Who can take out home insurance online?
It’s simple, everyone can find a home insurance contract that suits their needs. Essential guarantees, additional guarantees, insurance companies have been able to digitize to meet the needs of policyholders, regardless of their status. Furthermore, whether you are a tenant, co-owner, occupying or non-occupying property, you will find, among the various insurance formulas, the contract that will adapt to both your needs and your budget.
Home insurance, what are the obligations?
If online home insurance is for everyone, it allows you to fulfill a legal obligation that affects two categories of people:
- Tenants who are obliged, by article 7 of law n ° 89-462 of 6 July 1989 on rental relationships, to stipulate at least one home insurance contract against rental risks;
- Condominiums that must insure their accommodation with civil liability coverage.
While it is strongly recommended take out home insurance to cover in the event of a claim, the owner-occupants of a single-family house are under no obligation. The same goes for landlords, PNO insurance is optional, although recommended, especially when no tenant is present in the accommodation to insure it.
>> CLICK HERE TO COMPARE HOME INSURANCE
Online home insurance guarantees
Whether you subscribe online or in an agency, the insurance formulas of the insurers are the same. On the other hand, from one insurance company to another, you will find different tables of guarantees, each completely free to define them, which is why a comparison is essential.
You will find insurance formulas with essential guarantees or offers ofComprehensive multi-risk home insurance depending on the nature of your accommodation and the risks you wish to cover. Below is a non-exhaustive list of the guarantees offered by insurance companies:
- Liability guarantee;
- Damage caused by water and frost;
- Fire and explosion;
- Theft, attempted theft, burglary, vandalism;
- glass break;
- natural and technological disasters;
- Attacks and acts of terrorism;
- Addictions;
- Pool and garden;
- Legal protection;
- Electrical damage;
- Possibility of retrofitting or taking into account obsolescence;
- Device failure;
- School insurance;
- Etc.
What is the price of online home insurance?
The amount of the housing insurance contribution is defined according to various criteria. Insurers need to assess the risk of coverage to fix the premium amount, which is why they ask for different information about your accommodation when requesting a quote. Know that online insurance offers a real financial advantage. While the new market players have found solutions to reduce costs and propose increasingly interesting insurance offers, the big names in the insurance sector have also developed specific formulas that allow pay less than in an agency.
To calculate the price of your home insuranceyour insurer will need the following:
- The address of the accommodation;
- The type of accommodation (house or apartment, main or secondary residence);
- The floor, for an apartment;
- The destination of the property (residential only or exercise of a professional activity);
- The presence of an exterior and its equipment (garden furniture, swimming pool, outbuildings, etc.);
- The area of the dwelling;
- The number of rooms;
- The number of occupants;
- The level of protection of the property (alarm system or remote monitoring);
- The insurance plan chosen.
Do not abandon your armchair or your sofa, we recommend it find the best home insurance without leaving the house. Two solutions are available:
- Go to the site of the insurers who offer an online formula and do a simulation on each of them to get quotes and take the time to compare them;
- Are you looking for a solution to save time and use our home insurance comparator. Its main advantage? Fill out a single form to access the insurance offers of different market players.
You have no reason to waste time visiting each site. Our comparator is simple, fast, free and without obligation. Only advantages to afford it make big savings on your home insurance every year. Simple insurance or MRH insurance, you will find the solution that best suits your needs to cover both your property and your movable assets.
>> CLICK HERE TO COMPARE HOME INSURANCE
It’s very simple, you just have to fill out a form, select the insurance with the best value for money and subscribe. The insurer will ask you for documents (RIB, lease agreement for a tenant, etc.) and will send you your contract online which you just have to sign. Then, you will have access to an online customer area where you will find all your information and your insurance certificate to provide to your landlord if you are a tenant.
Online home insurance termination
Do you think your insurance is too expensive and doesn’t protect you enough? Have you used our comparator and found that there are insurance offers that offer better value for money? It’s time to think about terminating your home insurance contract. Thanks to the Hamon law, everything is extremely simple. After a year of the contract, you can withdraw at any time by sending a registered letter with acknowledgment of receipt. Sometimes you can even ask your new insurer to take care of this process for you. The cancellation is active within 30 days, then you can start saving money.
