Household and home insurance: what nobody tells you before you take them out
Choosing a good home insurance policy may seem complicated, but with the right information, it's easier than you think. Imagine coming home one day to discover a water leak, burglary or fire - are you prepared to deal with it? This is where the road to peace of mind starts: hiring a home and home insurance who truly protects you.
What do home and property insurances cover?
A good home and home insurance not only protects your home, but also your peace of mind. There are basic covers that include water damage, fire, theft or atmospheric phenomena. But in addition, many insurers allow you to add optional covers adapted to your needs.
You can even take out "All Risks" insurance, ideal if you are looking for more comprehensive protection. Just make sure you check the conditions, limits and exclusions.
Why is it not enough to look at price alone?
Price is important, but it is not everything. Sometimes cheap is expensive. Check what each policy includes and whether it suits your type of home and lifestyle. Insurance that is too generic may not protect you when you need it most.
Your home, safer than ever
Discover the home insurance that protects what matters most: your peace of mind.
Do you have a dog, appliances, cars in the garage?
Many policies allow for the inclusion of additional coverages such as:
- Pet Liability
- Domestic appliance breakdowns
- Garaged vehicles
Location also matters
If your home is in an unpopulated area, more than 1 or 2 km from an urban centre, the cost of the insurance increases and some companies may not want to insure you. Make sure you correctly indicate where your home is located to avoid problems if you have a claim.
The use of housing makes a difference
Before taking out a policy, think: what do you use the property for? The insurers adapt the guarantees according to the use:
- Regularwhere you live on a daily basis
- Secondary: your holiday home
- Unoccupiednot used
- Rental: rented to third parties (temporary or permanent)
If you are a tenant, you can take out insurance only for the contents of the home, such as furniture, clothes and household appliances.
What are container and content?
The insurance is divided into two parts:
- ContinentStructure of the house (walls, ceilings, floors, fixed installations such as water, gas, electricity, etc.).
More on what is the continent - ContentEverything inside (furniture, clothes, jewellery, technology...).
What does the content cover? Here we explain
You can contract both or just one, depending on whether you are an owner or a tenant.
How much to insure?
The value of the building is usually calculated by the insurer according to the constructed metres and the quality of the materials. But you decide the content, because you know better than anyone else what you have in your home.
A good advisor will help you avoid underinsurance, which occurs when you underinsure.
Tips for choosing the best home insurance
- Compare coverage, not just prices
- See optional warranties available
- Always check exclusions
- Ask an insurance intermediary or advisor for help.
At La Web de Seguros we help you to understand and contract the home and home insurance that best suits you. Every home is different, and so is every family. That's why we offer insurance for your home fully customised.