Take stock of your needs
You live alone) ? In a relationship with ? Do you have several dependent children? Your family structure is a first element to take into account to define your profile and then find the home insurance you need. Another important criterion: the type of residence you wish to have insured. Indeed, your contract will not be the same whether you are a tenant or an owner, if you are taking the steps for a main residence or a secondary residence. Depending on all these elements, you will already be able to have an idea of the type of home insurance you need, so that you can then request quotes from insurance companies.
Get information on official sites and from professionals
If you have any doubts regarding the contract you need, know that the public service site explains perfectly the steps to take to be in the rules according to your family situation and the type of residence. Do you live in a condominium? Do not hesitate to discuss with your neighbors who may have recommendations, and to carefully study the co-ownership regulations which can sometimes establish certain rules in terms of choice of home insurance. Also note that insurance companies like Allianz have customer services that are available to answer all your questions in this area.
Study well the terms of multi-risk home insurance
Most insurance companies offer multi-risk home contracts – or “MRH” – which protect the insured and his property once morest a large number of natural or accidental risks: fire, water damage, flooding, burglary or vandalism, breakage ice, storm, etc. This is the case with Allianz home insurance. This contract also includes the civil liability of the insured. In the event of damage emanating from your home, such as a fire or a flood, this guarantee allows you to compensate your neighbors who suffer the consequences. “Private life” civil liability is also part of the package: it works in the same way, but this time applies to bodily injury and material and immaterial consequential damage. Note that these contracts guarantee the majority of your property, including permanent outbuildings, garages, cellars, verandas, etc. However, they do not take into account everything outside (garden and garden shed, plants, etc.).
Assess the property you need to insure
Depending on the contracts, the guarantees are extended to a greater or lesser number of goods likely to be in your home. Thus, in most cases, vehicles, cash, but also titles and securities are not covered, while certain valuables – jewelry or works of art for example – can be included in the contract. in some cases. Depending on the type of home where you live and the property you own, be sure to choose a contract that is as suitable as possible. Indeed, if you live in a house located in a flood zone with few valuables or if you live in a luxury apartment with a large bay window that reveals a number of goods that can attract covetousness, your needs will not be the same.
Evaluate the insurance premium, but not only
If you compare the various home insurance contracts offered by insurance companies online, you will quickly find that insurance premiums are not the same everywhere and that their amount may vary. However, this criterion should not be the only one to be taken into account: in general, when you pay a low price to insure yourself, the insurer increases the percentage of the deductible by the same amount. In other words, your subscription will be inexpensive, but at the slightest damage, a large part of the costs will remain your responsibility. So take the time to study these different variables and check the amount of the deductible for the different types of damages you may face. Here once more, you can request a detailed estimate and clarifications from the customer services of the insurance companies: all have the obligation to provide you with precise grids to those who request them.
