Home insurance, how to choose?

L’assurance habitation is an obligation for the whole owner. Ideal for opening in a disaster house, there are several formulas and it can be difficult to choose. For this, it is essential to take into account certain important criteria. Find out in this guide what criteria you need to base your choice on.

Take into account the amount of contributions

To choose the right home insurance for you, you must first rely on the amount of contributions. This represents the price to be paid to the insurance companies so that they can cover you in the event of a claim. Often paid monthly, it is also possible to pay this amount on a quarterly, half-yearly or annual basis. Similarly, the payment of contributions can be made automatically or manually depending on what is included in the contract of the insured.

In addition, to fix this amount, insurers do not refer to several elements dont:

  • management fees;
  • the guarantees included in the contract;
  • housing (nature, location, area);
  • the insurance tax etc.

When you get an affordable amount for contributions, you can do some operations. Indeed, it is possible to reduce the number of guarantees involved in a multi-risk home insurance contract. You can also limit the number of pieces of furniture to cover.

Request quotes from several insurance agencies

The offers offered by the companies in terms of home insurance are not always the same. In order to benefit from an advantageous contract, it is essential to request quotes from several structures: for example, you can first request a quote. MAIF home insurance online quote. This gives you a way to compare different rates and better negotiate the terms of your contract.

It is not necessary to go to the agencies to do this. You can use online comparators. These tools make your tasks easier and inform you about the prices applied to the market by several insurance companies.

Choose according to the important guarantees

In addition to the contributions, you must pay particular attention to the guarantees that make up your insurance. Regardless of the nature of the latter, it always carries civil liability. This warranty covers damage to a third party. These can be the result of a careless gesture or a close one. It also covers damage caused by the pet. However, restrictions are observed at certain levels. In the case where, for example, your pet is classified in category 2 because of the breed, civil liability does not provide cover. To do this, you must take out special insurance.

With regard to damage to your property, you have several warranties. Each of them allows you to open in case of a specific accident. As essential guarantees for home insurance, you have:

  • water damage guarantee;
  • the natural disaster guarantee;
  • the fire guarantee;
  • the icebreaker warranty, etc.

To benefit from a full contract, you may want to add other qualified secondary guarantees. Among them, you will find the theft guarantees, electrical damage and assistance. If the first two allow you to receive compensation for theft or electrical damage, the assistance covers several things. Thanks to them, you can be relocated, get an emergency department, make sure you are transported to the hospital suite in an accident.

Choisir according to the applied franchise

Before signing up for a home insurance contract, you need to know the franchise application. This amount which represents your participation in compensation after an accident or accident is fixed in several ways. It can be defined correctly or it can be a compensation percentage. As an insured, you must also know that there are two types of deductibles: relative and absolute.

In the case of a relative deductible, your insurer will reimburse you for damages only if it exceeds the amount of the deductible. For example, if you set a deductible of € 250 in your deductible, you are entitled to full compensation only if the estimates are greater than or equal to that amount. The same principle applies for absolute franchise to almost every detail. The amount of compensation is the difference between the deductible and the amount of the claim.

Know the compensation limit set

Another important criterion that will weigh when subscribing to a multi-risk MRH insurance contract is the compensation ceiling. The latter is fixed for each guarantee, which makes up the insurance. This is in effect from the sum, that you receive from the insurance party to open a claim. And that, no matter the value of the damage.

The value of your home over the years, or the increase in your real estate assets, can have an impact on the ceiling. This is why many policyholders ask for a new contract negotiation when making news acquisitions. To be serene in the event of a disaster, you can do the same.

Ultimately, in order to choose an insurance home, you need to take into account several elements: the contribution amounts, the offers, the guarantees, the deductible and the indemnity ceiling.

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