Household Insurance.
A Household insurance is a type of insurance that protects the insured's home against damage caused by events such as fire, theft, and robbery, among others. The insurance can include various coverages and additional services, such as 24-hour assistance. The value of the insurance may vary according to factors such as the type of property, location, and coverage.
1.
What is the Household Insurance?
Household insurance is a type of insurance that aims to protect the insured's home against material damage caused by various events, such as fires, explosions, windstorms, lightning, theft, and robbery, among others.
2.
What are the different types of coverage in this insurance?
There are several types of coverage that can be included in a household insurance policy. Some examples are:
1. Basic coverage: includes damage caused by fires, explosions and lightning strikes.
2. Damage caused by natural phenomena: Includes damage caused by windstorms, cyclones, earthquakes, and others.
3. Theft and Robbery: includes damages caused by theft and robbery in the insured property.
4. Electrical Damages: includes damages caused by short circuits, electrical discharges, among others.
5. Civil Liability: includes damages caused by the insured to third parties, such as neighbors or visitors.
6. Glass breakage: includes damages caused to windows, doors, and mirrors of the insured property.
7. Water damage: includes damage caused by leaks, infiltrations, and others.
It is important to remember that coverage can vary according to the insurer and the type of plan chosen.
3.
How does the insurance value vary?
The value of household insurance can vary according to several factors, such as:
1. Property type: apartments and houses have different risk profiles, which can influence the value of the insurance.
2. Location: properties in areas considered more dangerous or with a history of accidents may have a higher insurance value.
3. Insured value: the higher the insured value, the higher the insurance premium will be.
4. Contracted coverage: the more comprehensive the contracted coverage, the higher the insurance premium will be.
5. Profile of the insured: age, marital status, profession, history of claims and other personal factors can influence the value of the insurance.
6. Characteristics of the property: age of the property, construction characteristics, state of conservation, among other factors, can influence the value of the insurance.
7. Deductible: The choice of a higher deductible can reduce the value of the insurance.
It is important to note that each insurance company may have its own methodology for calculating the insurance value, so it is important to research and compare market options to choose the insurance that best meets your needs and financial possibilities.
4.
Why having a Household Insurance?
Having homeowners insurance can bring several benefits, such as:
1. Protection against financial losses: home insurance protects the insured against property damage caused by various events, such as fire, theft, among others. If any of these events occur, the insured will receive compensation to repair the damage.
2. Peace of mind and security: Having household insurance can bring more peace of mind and security to the insured, because he knows that he is protected against unforeseen events that may affect his residence.
3. 24-hour assistance: some insurance companies offer 24-hour assistance services, which can be activated in case of emergencies, such as electrical or hydraulic problems, among others.
4. Liability: Some household insurance coverage includes liability, which protects the insured against damages that may be caused to third parties, such as neighbors or visitors.
5. Possibility of customization: household insurance can be customized to the needs of the insured, including additional coverage and special services.
Therefore, having household insurance can bring many benefits and bring more security and peace of mind to the insured and his or her family.
