Suffering a disaster in your home is always a headache. Like most misfortunes that may arise in life, they are usually unforeseen events. But, by acting as if we can see the event ahead of time, we can save us the heartache by having a safety net, depending on the severity of the incident, which can impact less significantly. Obviously, the main thing is that there is no personal harm, in which case the compensation to those affected by the person responsible for the loss would be very high if it is not a force majeure. In ShBarcelona we want to give you some advice in case you suffer a loss in your home.
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Table of Contents
Types Of Insurance
When buying home insurance to cover for fire, flood, and criminal damage, you must have several things in mind, among them, if you are an owner or tenant if you have many valuables in your home, and if you live in a community of neighbors where they all share the same location. First of all, it is important to know that the policies can ensure the building’s structure and its contents. The “continent” policy secures the walls, floors, installations, and ceilings. It is important to consult with the insurance company on exactly what things related to the house are insured since some incorporate more elements than others. It can refer to the objects and belongings inside the building like clothes, jewelry, furniture, electronics, and appliances, but, as noted earlier, it is important to check with the insurer what things are included.
Things To Keep In Mind
It is important to keep in mind that, if your home is within a community of neighbors, the community policy, mandatory for all of them, may include contingencies related to the building, with which you can save on the insurance by listing only the part of the building. On the other hand, if you are an owner and wish to have the building insured since you are planning to rent out your flat, the insurance must be contracted by you, since this type of policy is the responsibility of the owner, not the tenant. If, in addition, the apartment is furnished and equipped, it is advisable that you also buy insurance for your private goods.
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Third Party Insurance
If the incident or accident affects third parties as neighbors or bystanders, and if you are responsible for it, like leaving a pan on the fire or sleeping with the lit cigarette, this can obviously cause personal injury. The cost for that can be very high, and it is likely to significantly depress any person’s average income. For this reason, it is important to have civil liability insurance to cover any contingencies related to this type of incidents.
Have you suffered any loss at your home? What can you advise us?