One of the best-known insurance is home insurance, although its coverage is a bit less well known. Today’s post will explain the most important ones and what home insurance covers.
Top home insurance coverage
The different coverages offered by home insurance may vary from company to company, although they usually coincide in fundamental aspects such as the ones we will now discuss. Therefore, it is essential that, when hiring the policy, you carefully study each of the contract terms. This way, you will always be clear about what and how your home insurance protects you. In this regard, it is essential to note that our multi-risk home insurance includes all of the coverage listed below:
Damage
One of the essentials of home insurance is damage coverage. Thanks to it, the building, the facilities (water, electricity, gas, etc.), and everything inside is protected. This coverage usually includes:
- Atmospheric damage (caused by rain, wind, snow, lightning…)
- Water damage (broken pipes, leaks, leaks, floods…)
- Damage from fire, explosion, and smoke
- Acts of vandalism or malicious
- Shock or impact of land vehicles
Breaks
When a third party causes any damage to the home, the insurance will take care of it. In addition, our home insurance also covers broken glass, mirrors, sanitary ware, hobs, or ceramic hobs.
Robbery and plunder
One of the major concerns of a homeowner is that they should break into your home. However, thanks to this coverage, you can have the peace of mind of knowing that you are covered for damage on the continent and the theft of insured property within the home (jewelry and valuables, furniture, money…).
Civil liability
Civil liability protects against damage caused to third parties by any family member or by incidents in the same home.
This type of coverage is one of the essentials in any home insurance. Imagine that your child, playing with a ball, breaks a neighbor’s window or leaves an open tap that causes a leak on the floor below as a result of a little distraction. The insurance company may be liable for damages, court costs, or bail in such cases.
Legal defense
The legal aid service provides you with a consultation telephone number for advice on legal matters. It mainly offers guidance on the defense and claim of personal injury, both yours and your family’s, in the face of the claim for damage caused to your home by third parties and criminal defense.
Additional services
Home insurance can offer various additional services, such as home care, computer assistance, and medical counseling by video conferencing or DIY services, which are also valuable.
Advantages of our home insurance
In addition to all the coverage discussed above, by taking out home insurance with us, you will have several benefits such as:
- Personalized proposal: We help you create insurance tailored to your needs.
- Exclusive services: You will have several additional services such as home care, legal defense, and telephone medical guidance, among others.
- Online computer support: As we explained in our last post, our home insurance includes the computer support service.
- 24-hour technical service: You can also request our repair service when you need it and at any time.
- 15% discount: If you have community insurance with us, we offer you a 15% discount on your home policy premium.
- Rental income: If you have a home to rent, our team of specialists will be able to advise you on the critical aspects of rent.
- Pets: If you have pets, you can include them in the policy to have maximum protection. You can consult the specific coverages of pet insurance.
Finally, please note that you can contact us without obligation for more information on what home insurance covers or about our exclusive services. We look forward to serving you!
