Your home can be insured against risks as
inserted in a larger stable (the condo) with a global policy
buildings, Or you can select different types of formulas,
such as multi-hazard, the theft in dwelling or
that for legal expenses.
Multi-risk insurance policies are the most expensive product that can be
find insurance market to protect their homes,
but also the most complete, able to cover all risks related to
home. In fact, multi-risk insurance policies cover damage caused by fire
all’abitazione, a theft from inside the house and also the
liability for damage caused to third parties from home.
The guarantee fire
Dwelling fire insurance protects the insured from the point of
economically if the occurrence of a fire (and / or other
events more or less related, properly specified in the contract
policy) causing damages to his property.
The guarantee against fire may relate to the property, is his
content. For property means all fixed installations; for content
and / or furnishing means all the things in the home / home
are removable. Covered under the same policy, other buildings
such as the garage and other addictions site adjacent spaces
the building, But these can not exceed 1/10 surface
Total insured, otherwise must be indicated
separately insured under the policy and.
The fire insurance is recommended for anyone with a
home, to those who live in rent (Rental risk), and individuals
living in a condominium, common global policies produced,
In fact, do not cover the contents of the dwelling of the individual condominium.
In general the coverage of fire insurance is not just about
the damage caused by fire, but also a series of damage
from other types of events and situations such as:
• Damage caused by lightning;
• Damage caused by storms;
• damage caused by explosions, implosions and explosions;
• damage caused by some special weather,
such as snow, chain, wind;
• Damage resulting from acts of vandalism or type of socio-political events,
such as riots or strikes;
• damage caused by other events, such as rainfall
aircraft or satellites on the property, smoke or gas, sonic wave,
electrical phenomena.
It should however be stressed that each insurance company applies the
own criteria in determining what is insured or not by their
insurance policy, why some of these aspects could
not be covered by a specific Fire Insurance.
It should also be noted that there are types of damage, though they appear very similar to those above, are not generally
covered by insurance such as fire:
• damage caused by the effect of flooding;
• damage caused by the effect of earthquakes;
• damage caused by the effect of floods;
• damage caused by the effect of landslides;
• damage caused by the effect of freezing.
It is therefore appropriate in all cases agree with the company
on the nature and type of collateral to include in its
policy contract, to be properly tuned
relation to their specific needs.
The dwelling fire insurance must be paid:
• for "manufactured" according to its cost of new construction,
excluding only the value of;
• for the "content" based on the cost of replacement with other new things
equal or equivalent.
There is a form of insurance "full value", which provides the
coverage of all the insured property. Sinister was at the time of
the sums insured are below the "replacement value" or cost
replacement, compensation for any damage done to an extent
proportional to the "uncovering" (or under-insurance).
For example: if the new value of the asset is equal to 100 and the sum
insured when the claim is equal to 50, in the case of a
damage of 30 indemnify the insurance proportionately and that is only
15.
Insurance can also be paid in the form of a "first loss
absolute "in which case the insurer shall pay the damage to
to the amount insured without the application of
“regola proporzionale”.
The warranty Theft
The home insurance theft puts in a good position to be compensated
for damages in cases of theft and robbery and, in general, in all
those cases where criminal activities have led to the loss of
goods kept inside the house. In this regard it is useful to know
that the ultimate prize theft bill set for a house is determined
mainly by two factors:
• the characteristics of the house (Diversification is the second apartment
or villa);
• the area of residence.
Everyone knows that most of the thefts
happens in big cities, area, precisely, where the ultimate prize for this
type of insurance is to be on average higher.
Regardless of the location and area of residence of the house,
There are several strategies to reduce your insurance premium, to
giving the example of a home alarm system.
The company once detected the presence of the alarm system, propose
a more economical solution as the risk that internal
may be a theft or robbery decreases drastically.
But how can you ensure the contents of the dwelling risk from theft?
The solution provided by these types of contracts and insurance theft
home integer.
In essence, in this case covered the full value of the objects
content inside the, defining a priori the total value
property: careful not to declare a lower value for
save on insurance premium, because in case of theft is likely to
be reimbursed in proportion to the value stated in the policy.
Since it is not easy to estimate the value of all that is contained
in the house, the insurance company considers a margin of difference
which can oscillate between 10% and 15%, allowing a full refund
statements even if lower than the true value of the precious
stored inside the.
Un’altra formula, simpler and more widespread, is a first loss means that, irrespective of the value kept in the home, is required to be insured for a certain amount. In the event of theft you will be reimbursed for the amount determined by the policy without further discussion and investigations, regardless of the actual value of what was stolen corresponds to the figure. With less elasticity are considered the cases in which they are called into question and precious cash.
In the event of a claim must file a complaint as soon as possible, possibly within the first three days from the time period of the
left or the insurer will have become aware.
The insurance company must be duly informed
about damage to property insured consequently the occurrence
the accident and will require a detailed description of
events (also highlighting the possible intervention of the authorities, and enclosing,
if possible, the evidence of the damage, as
as photographs).
The warranty liability (Householder)
It is often combined with the policy of home insurance liability
private civil also called the head of household.
This policy covers damages that the insured or his family, and persons who live permanently with him, cause to third parties with the consequent obligation to pay compensation up to a ceiling set in the policy.
They are usually included in the warranty even the acts committed by the servants.
The risks usually covered by the bill are RC privacy:
• ownership and operation of the house or apartment used
to habitual residence and occasional, including appliances, dependencies
and plants, spreading water, gas explosions
(limited to personal injury), fall of antennas;
• intoxication or poisoning from food and drink;
• ownership and possession of pets;
• Starting of motor vehicles and boats by
children under the age of the insured 14 years occurred
their parents';
• damage to property of others by fire, explosion, bursting. In RC privacy policy are always covered only damage
involuntarily (Unintentional) and not intentional (arson).
This policy is indispensable for anyone who may be faced
to claims for damages under the Privacy.
We must always remember that, those who cause damage, is
responsible, if not protected by insurance coverage, must compensate
the third with the entire personal assets.
Alex Gaetani
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