Insurers handle different insurances, both to take care of your health as well as your assets. Accidents happen every day and unfortunately we maintain the belief that it will not happen to us. In the home there are eventualities from a low level of gravity to a considerable one, which can be caused by the same natural phenomena or caused by our daily activities.
In this sense, you must bear in mind that accidents can occur at home that damage the infrastructure and your other assets. For this reason, it is convenient to have your home insured, since this type of insurance focuses on safeguarding the structure of your house in certain situations, here we tell you what a policy can cover for your home.
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What does homeowners insurance cover?
It should be noted that coverage varies depending on the plan you hire, it can usually protect you against the following situations:
1. Damage repair
The insurer can compensate you for the structure of your house for the amount of the insured amount established in the contract. It supports you against the consequences caused by a hurricane, flood, heavy rain, lightning, earthquake, fire, explosion, among others.
2. Compensation for personal belongings
The company can also provide you with compensation for personal belongings, as well as furniture and appliances that are inside your living room, considering the amount insured by the natural events, which were mentioned.
3. Family civil liability
If you have a pet at home and at some point it attacks third parties, insurance can cover medical expenses. Also, if it damages the property of your neighbors, the company can give compensation to repair the damages.
4. Home burglary
Under this situation, the company can provide you with an insured amount to compensate for the stolen objects, be it jewelry, appliances, computers, watches, works of art and also the money you had at home.
5. Different services
With home insurance, your family can request care in different services, whether it be from home medical consultation, plumbers, locksmiths, electricians, bricklayers and even the support of lawyers in an emergency.
What should you consider before hiring insurance for your home?
The notion is maintained that this type of insurance has a high cost, however in the market there are policies that can vary their prices, some are cheap taking into account the coverage that you are going to hire and also the characteristics of your property:
- Real value of the home.
- Risks to which your house is exposed, for example those caused by natural phenomena.
- Construction age.
- The value of assets such as appliances, furniture and other objects that you have at home.
- Risks of causing harm to third parties.
Therefore, before hiring a policy it is best that you evaluate these characteristics and link them with the coverage offered by the companies, as well as the services and costs that each one handles. In this way, you will be able to choose the most convenient option according to the needs of your home and family finances.
In order for you to continue being informed about this and other related topics, we suggest you visit our Insurance section.
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