Choose home insurance

Choose home insurance

How to choose home insurance for your home?
Proper home insurance ensures the safety of your home, family and property in the event of a loss. And to choose the most suitable insurance for your situation, several factors must be taken into consideration. While price remains one of the most determining factors, the others are not to be taken lightly. So how do you go about choosing the right home insurance?

What to compare?
Choose the right guarantees
Things to consider before choosing home insurance
To find the most suitable home insurance for your needs, you will need to compare the different offers on the market. Different elements are then to be put in competition:

The insurance deductible: the remaining sum not covered by your insurance in the event of a claim;
The guarantees of the contract;
Cover exclusions: situations in which you will not be compensated by your insurer in the event of a claim;
The compensation ceilings;
Waiting periods: the period between the date of subscription of the contract and its entry into force;
Compensation methods after a loss: is it a new reimbursement or compensation that takes into account the depreciation of the asset?
The amount of the premium for your home insurance: The price is a determining factor
The amount of the premium is an important element to take into consideration when choosing your home insurance. It represents the amount you will have to pay to benefit from the protection offered by the insurer. Here, you have to choose taking into account your budget and the degree of protection sought.

Be careful, keep in mind that insurance with a low premium is not always the best solution. As a general rule, the lower the premium, the lower the coverage. In the event of a loss, affordable home insurance can be more expensive than a more expensive plan with much more coverage. This is why, before choosing, take the time to read the terms of the contract.

Study your contract with an insurance professional, such as an insurance broker.

It should be noted that certain elements can increase or, on the contrary, decrease the premium: the geographical area (premiums are more expensive in large cities), the history of the insured in terms of claims or the type of accommodation (a housing with high-performance safety equipment allows you to benefit from a cheaper premium).

Opt for the right optional guarantees, for more suitable coverage with your home insurance
The basic contracts of a home insurance generally include: the guarantee of movable property, the guarantee of the immovable property, the guarantee of the movable property, the guarantee of water damage, the fire guarantee, the broken glass guarantee, the catastrophe guarantee natural, civil liability.

Home insurance today depends a lot on where you live. Is this place of passage of storms, cyclones? Has any flooding been observed? Etc.

If you want to benefit from more extensive coverage, you can add various optional guarantees to your contract: pool guarantee, animal guarantee, new equipment guarantee, resort guarantee, emergency home repair guarantee, legal assistance, valuables guarantee … Likewise, is your veranda also insured? These are all questions that you need to deal with by doing a little check-up of your belongings.