The contracting of home insurance against theft grows in districts of North Lima | YOUR MONEY

Social insecurity is a latent risk for Peruvians, especially during festive seasons when robberies on the street and in homes increase. Although more than 50% of home insurance clients are men over 45 years old and living in districts of modern Lima, today there has also been growth in districts of North Lima.

The pandemic forced people to spend more time at home and thus avoid any risk of contagion; However, with the new restrictions, Peruvians are choosing to spend long stays outside the city and, in those cases, they consider it important to prevent in home insurance.

Mapfre’s Director of General Risks, Felipe Ríos, remarks that this type of insurance continues to be one of the ones with the greatest opportunity for growth. In 2019 it only reached 3.2% penetration of a total of 10 million homes nationwide and this is because some Peruvians consider that hiring home insurance is a luxury.

“Home insurance is really an investment. In the case of Mapfre, 76% of our portfolio of home insurance clients have contracted theft coverage ”, he specified

How much are you willing to invest?

The theft coverage offered by home insurance protects the goods found inside the insured property, helping to pay for the replacement of the stolen goods depending on the insured sum contracted.

Home insurance can cost from S / 1.20 a day with main coverage for theft, fire, earthquakes and some assistance for the home after the pandemic.

These new assistances include the telemedicine service for the family, which consists of care in general medicine and pediatrics, and also the home disinfection service against bacteria and viruses.

However, despite having basic plans, the consumer is not convinced to acquire it or keep it for a long period, in case they have contracted it.

That is why insurance companies have sought to increase the value offer, adding complementary services and generating more interaction with the insured during the term of the insurance and, in this way, achieving greater permanence.

Accuracies

• The factor to take into account when purchasing home insurance is to analyze your own needs and concerns.
• According to the INEI, 9.3% of homes in urban areas nationwide have been affected by theft or attempted robbery between November 2020 and April 2021.