VERANDA INSURANCE

VERANDA INSURANCE

Veranda insurance: is it useful?
In winter as in summer, the veranda remains a real asset for a home. It allows you to enjoy the outdoors while remaining sheltered from the vagaries of the weather. But despite the comfort it offers, the veranda remains a vulnerable room. That’s why in order to get away with a loss, it is more than advisable to have your veranda insured.

Why insure your veranda?
Notify your insurer of the addition of a veranda
Protect your veranda at best
Insure your veranda: why?
Currently, there is no specific insurance for a veranda. In reality, it is covered by comprehensive home insurance, if it has glass breakage coverage (which is the case for the majority of comprehensive home policies). In the event of damage caused by thermal shock, strong wind or hail, the insurance will take care of replacing the glazing.

Comprehensive home insurance applies because the veranda is part of the living space. However, to be insured, it must be declared to your insurer at the time of subscription. Some insurers will ask you if you want to report it or not. Be careful, if you do not insure your veranda, any damage or infringements suffered by your home and having your veranda as entry point will not be covered by your home insurance.

Adding a veranda: the importance of telling your insurer
If you decide to add a veranda to your home, know that this will not be without consequences for your insurance. You will therefore have to follow a few steps with your insurer. Thus, contact your insurer even before the start of the work. He can give you some advice on construction so that your monthly payments are not affected too much. Indeed, adding a veranda to your home leads to a more or less significant increase in the monthly payments of your comprehensive home insurance.

In practice, the surface and the robustness of your new veranda are the most determining criteria. A small veranda built from quality materials (burglar-proof glazing, alarm system, etc.) will have less impact on the cost of monthly payments than a large veranda built with ordinary materials.

Protect your veranda as much as possible
If you have failed to notify your insurer of adding a veranda to your home, you must notify them once the installation work is complete. Among the information to be transmitted: the area of ​​your veranda and the type of materials used during construction. With this information, your insurer will be able to write a new contract with an extended level of guarantee and an amount of monthly payments revised upwards. Also, don't forget to mention all the equipment on your veranda (furniture, valuables, etc.).

However, if you feel that the price of your new contract is too high, you have the option of terminating your current home insurance and looking for a better offer from another insurer. The Hamon law offers you the possibility of freely changing insurance company after 12 months of subscription. We often forget this possibility when we have had a home insurance contract for years!