On average, the French spend around 240 euros per year to insure a house, which can weigh heavily on the budget of each household.
The multi-risk home contract, which allows you to be compensated in the event of damage whether it is a fire, water damage or burglary, is only compulsory for tenants and owners in co-ownership. However, it is recommended that you take out this coverage. Do you want to insure a house of 100 m²? Find out how to do it and how to get the best prices.
Home insurance is only required for tenants and owners of condominiums in order to allow them to have the means to ensure compensation in the event of claims. However, such insurance is essential for everyone because of the protections it provides. Home insurance generally offers guarantees for damage caused to the home and its contents in the event of disasters such as fire or in the event of climatic events. It also includes civil liability cover for the insured and the people living in the accommodation, which will cover material or immaterial damage caused to others.
In addition, you have the option of benefiting from criminal defense and recourse in the event of an accident. As an option, property owners are able to take out protection against theft and vandalism, against glass breakage, or even against electrical damage. Some contracts also offer assistance services to policyholders.
Choosing your insurance is an essential step. Indeed, you need insurance that adequately protects you against the risks you incur. To make your choice, it is necessary to assess your needs in order to choose the corresponding guarantees. To avoid paying more than you have to, select the essential guarantees and set aside the superfluous ones. When you are faced with home insurance offers, also study the services offered. Does the contract include warranty exclusions or deductibles? These details are likely to limit your protection, which is why they must be taken into account.
Some contracts also apply guarantee ceilings under unbeatable prices. So you have to be careful when choosing the cover. Cheap insurance won't always be a bargain. If necessary, pay a few tens of euros more to benefit from full support. With regard to the guarantees of your property, a distinction must be made between compensation at replacement value and at use value. In fact, depending on the compensation provided for in your contract, you will be compensated for the replacement value of your goods or their value at the time of the claim.
To determine the price of home insurance, the area alone is not decisive, although it has an impact on the risks incurred by the accommodation. Indeed, the larger a house, the more damage can be enormous in the event of a disaster. But apart from this criterion, it is also necessary to consider the goods contained in the house, the geographical location of the property as well as the profile of the owner. Many elements make it possible to define the price of home insurance and the price can go from simple to double depending on the insurers.
To obtain an estimate, it is advisable to request quotes online using an online simulation tool. The operation consists of filling out a detailed form and validating the request. Within minutes, you'll receive the best offers to suit your needs and budget so you can make your choice.
