Home insurance: the designer security

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2018-03-24 23:02:08

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Responsible, experienced insurance agent never hurry the client. He tells in detail about all the terms of the contract, patiently explain every nuance and willing to answer any stupid question. Unfortunately, such specialists are rare, and, going to the nearest insurance company, it is better to decide on the main points, such as breadth of coverage.

Insurance

So Home insurance or apartment, usually includes 3 components.

  1. The Actual insurance dwelling, or rather, its structural elements: walls, stairs, floors and walls, rough floor, balconies and loggias. Including in the insurance policy only this object can be protected from earthquake or fire, but from the flooding of an apartment or of robbery the policy will be useless.

  1. Public liability Insurance. Such a policy will help in case if the policyholder caused damage to housing and property belonging to third parties, for example, flooded neighbors. On such a policy worth considering if the neighbors below – wealthy people who have invested considerable funds in renovation of a private apartment.

Unfortunately, a policy of liability insurance has a significant drawback: the insured it can only be the owner of the house or apartment. But written on the housing, and tenants do not have this possibility. There is one caveat: the civil liability insurance policy not issued, no insurance company if the policyholder started a repair in his apartment.

  1. Insurance of furnish and the engineering equipment includes the largest list of risks. This may be a robbery and robbery, mechanical damage and Bay, fire and natural disaster. The objects of insurance finishes include: all kinds of painting and plastering work, veneer and taping the ceiling and walls, any combustible element ceiling, walls and floor, window and door construction. In addition, insurance finish protects all the built-in furniture: kitchen, walk-in closets.

Insurance engineering equipment protects heating and plumbing systems, cables, meters and wiring. The owner or tenant can choose, as a standard package, which includes all of the above objects, and determine the part that needs to be protected, for example, an exclusive finish of the ceiling or walls.

Sometimes emit another one of the components of the insurance of the apartment or house – protect personal property. It includes all the furniture, except for built-in appliances, and other valuables. But as a rule, the contract of protection of property in a bundle with insurance finish, being its integral part.

And again about the risks

The hardest thing is waiting for everyone who wants Insurance house or apartment in the insurance company – the compilation of a list of risks. To insure the property from only – impossible things – expensive and “narrow” coating does not make sense. For example, if the contract States that housing insured from the Gulf through the fault of third parties, to pay compensation in the event of a pipeline accident, the company will not be. Therefore, we must clearly define in advance: what are the risks most probable in your case, and in the process of registration of the policy – a careful reading of every word of the contract.


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Alin Trodden - author of the article, editor
"Hi, I'm Alin Trodden. I write texts, read books, and look for impressions. And I'm not bad at telling you about it. I am always happy to participate in interesting projects."

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