Home and Household Insurance: discover the guarantees that make the difference
There is an extensive range of cover and guarantees that can be taken out in the insurance home insurance. This range is growing, as insurers adapt their products to personal and market needs.
Therefore, our first piece of advice is to review your current policy. Don't wait until a claim occurs to check whether your cover and sums insured under your policy are adequate. continent y content are appropriate.
If your policy is old, it may not be adapted to your current needs. Taking out a new one doesn't have to mean a price increase, and can give you more protection.
What guarantees does home insurance include?
Generally, the basic guarantees of a home insurance policy cover:
- Fire, explosion and lightning strike
- Acts of vandalism or malicious acts
- Atmospheric phenomena and floods
- Smoke, soot, fire or debris damage
- Uninhabitability of the dwelling or loss of rents
- Replenishment of documents
Optional warranties you may be interested in
Insurers also offer optional covers that can make a difference:
- Electrical damage and breakage of glass or glass-ceramic hobs
- Burglary, robbery, burglary outside the home and theft
- Food spoilage in refrigerators
- Water damage and 24-hour assistance
- Legal defence and civil liability
- Breakdown of household appliances
- Aesthetic damage, garden and outdoor furniture
- Civil liability for potentially dangerous dogs
- All-risk warranties
Does your insurance cover what really matters?
Review your guarantees and find out how to improve your policy without paying more
Do all insurers offer the same?
No. Although many guarantees may seem similar, each insurer defines its own conditions, exclusions and limits. That is why it is important to read the policy carefully before taking out the policy. A good choice can save you a lot of trouble if a problem arises.
What is our expert advice?
- Always review your current policy before renewing.
- Don't just look at price: compare warranties
- Ask about optional warranties tailored to your case.
- See exclusions for each coverage
At The Insurance Web we help you to analyse your situation so that you can take out a home insurance policy that is really tailored to your needs. The aim is for you to have peace of mind, knowing that your home and your belongings are well covered.
Frequently asked questions
- What is the difference between building and contents in home insurance?
The building covers the structure of the property; the contents, your belongings inside the home. - Can I take out only some optional guarantees?
Yes, many insurers allow you to tailor your policy with optional guarantees according to your needs. - When is it best to review my home insurance?
Ideally, it should be reviewed every year before renewal, or if you move house or property.
What is the difference between building and contents in home insurance?
The building covers the structure of the property; the contents, your belongings inside the home.
Can I take out only some optional guarantees?
Yes, many insurers allow you to tailor your policy with optional guarantees according to your needs.
When is it best to review my home insurance?
Ideally, it should be reviewed every year before renewal, or if you move house or property.