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Mandatory Home Insurance

I am required to insure my home when:
· The property has a mortgage.
· If you rent out the property – the rental agreement requires it. The owner must have a property insurance contract against unforeseen events. In addition, it is increasingly common to take out rent guarantee insurance to protect against potential defaulting tenants.

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Optional home insurance

The optional home insurance can be customized according to the type of property: main residence, second home, or rental property, in order to meet the specific needs of each homeowner or tenant.

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The first step is to assess the value of your home and decide whether you want to insure your furniture, jewelry, appliances, etc.

The second step is to call us so we can give you the best offer.

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Home insurance covers:

– The property itself. This is called “building” in your home insurance.
– Furniture, personal belongings, jewelry, artwork, and special items. This is called “contents” in your home insurance.

The insured sums are calculated as follows:

The insurer assesses the building value based on factors such as the type of property, total built area, construction quality, and geographical location. The contents valuation also depends on the use of the property, number of household members, etc. Calculations are made by the insurer, and the recommended coverage amount is provided to the policyholder.

HOME INSURANCE PREMIUMS

The amount of the insurance premium is determined by:

  • The characteristics of the property and the insured sums

  • The risks covered

  • The policyholder and the number of people using or living in the property

  • The geographical area

Find the IDEAL INSURANCE: For your home

BASIC COVERAGES

In the different types of Home Insurance, we can find:

Coverages related to the property - Material damages caused by:

· Atmospheric phenomena such as floods, earthquakes, lightning, or landslides
· Fire.
· Vandalism.
· Water damage.
· Breakage of glass and/or ceramic hobs.
· Electrical damage.
· Emergency repairs, renovations, or DIY assistance.

Liability coverage and bonds for claims by third parties affected by property damage or bodily injury caused by:

· The use or repair of the property.
· Acts or omissions committed in your private life.
· Owning a dog or cat, including dangerous dogs.
· Pollution.
· Glass breakage.
· Water damage.
· Theft.

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