Insurance Broker Houshold PLUSIN A CASE OF DAMAGE
MAKING LOSSES.
HOMEOWNER'S INSURANCE
The things you habitually surround yourself with take care of your well-being. Do not underestimate their material value, which you have to compensate in the event of damage. If, for example, all movable objects in your household fall victim to a fire, a large financial loss will be incurred.
A household contents insurance for private provision should therefore not be missing in any household. In the event of an insured event, not only the destroyed items are reimbursed at replacement value, but also the costs for clean-up work, repairs or hotel accommodation. In this way, your private property is completely protected in the event of damage.
With Insurance Broker plus you bring security into your home. You will receive a free comparison of the tariffs of 25 providers. Design your individual household contents insurance and take it out right away. Losses can be cushioned: with Insurance Broker Household plus!
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NEGLIGENCE
Basically, it is important to ensure that windows and doors are closed when leaving the house. If you are guilty of negligence here, the insurer may refuse to pay damages in whole or in part.
EXCESS
With an agreement on a partial deductible in the event of damage, the insurance premium can be permanently reduced.
MOVE
You should report a move to your insurer immediately and have your sum insured recalculated on this occasion. For a transitional period of two months, your household contents in the old apartment are still insured.
BUDGETARY CONSOLIDATION
In the case of a merger of households, you should check whether there are two household contents insurances. The more recent contract can be terminated immediately.
UNDERINSURANCE
It makes sense to have the new value of your household contents estimated regularly. If the sum insured is set too low, you have a double damage in the event of a case, as the compensation can only be refinanced proportionately.
WHICH ADDITIONAL SERVICES ARE USEFUL?
BICYCLE THEFT
Some policies include the risk of bicycle theft from enclosed spaces. If you own an expensive bicycle, an extension of the contract to include bicycle theft even outside closed rooms makes a lot of sense.
BREAKAGE
You can add glass breakage insurance to your policy to get costs for destroyed glass replaced. These include window panes, conservatories, glass panes of pictures, mirrors, aquariums and, for some providers, ceramic and induction hobs.
SURGE DAMAGE
If you have high-quality television, audio equipment or computers, it makes sense to include overvoltage damage caused by lightning, as these often occur after a thunderstorm.
NATURAL HAZARDS
The enormous damage caused by the floods of 2006 or 2013 shows how important it is to include natural hazards in insurance. This is recommended in the context of two insurances: on the one hand in the household contents insurance, on the other hand also in the residential building insurance. In this way, you can protect yourself against financial consequential damage caused by extreme natural events.
FREQUENTLY QUESTIONS
WHY SHOULD YOU TAKE OUT HOME INSURANCE?
Household insurance makes sense for you if you run your own household. Fire or burglary can cause very large financial damage. Especially if your furniture is very valuable, or if you have high-quality technical equipment, a household contents insurance makes sense. The same applies if you live in a detached house.
Estimate the value of your entire possession and consider whether you could replace it out of your own pocket in the event of damage. If not, you should take out home insurance.
WHAT DOES HOUSEHOLD INSURANCE COVER?
Household contents insurance protects the utensils in your private living area. In addition to the apartment, the living area also includes balcony, terrace, outbuilding, garage and the laundry room. Also insured are valuables up to a fixed height, work and sports equipment, vehicles (e.B lawnmowers, play vehicles) and awnings that are mounted on the outside.
Household contents insurance covers damage caused by fire, lightning, explosion, tap water, burglary, robbery or storm. Risks such as glass breakage or bicycle theft can be included in the insurance contract.
WHAT IS THE RIGHT SUM INSURED?
The sum insured should correspond to the current replacement value of your household contents. Normally, insurers estimate €500 to €700 per square metre of living space. However, if the value of your household contents is lower or higher, you can set a corresponding sum insured yourself. You should regularly check whether the sum insured is still suitable to avoid over- or under-insurance. Based on the sum insured, the tariff zone in which you live and the design of the house, the insurer determines your contribution.
WHAT TO DO IN CASE OF DAMAGE?
Report the damage to your insurer immediately. In case of damage caused by burglary, theft or robbery, the police must be informed. Have stolen credit cards or savings books blocked immediately. In the event of a bicycle theft, the police will inform the manufacturer, the brand and the frame number.
In the event of damage, household contents insurance will replace the destroyed, damaged or lost household contents at replacement value, i.e. at the value that must be spent on the day of the damage in order to repurchase the damaged or destroyed items in the same type and quality.
AND ONE MORE NOTE !!!
Keep the damage as low as possible. Safe damaged and destroyed items and list them. If an appraiser wants to assess the place of damage, no changes should have been made beforehand. Give the insurance company all important information, receipts, invoices or receipts.
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