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7 tips to choose the best home insurance

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Are you an owner or tenant of a property? Then it is essential to take out a home insurance policy. This will protect your home as well as possible against damage in the event of a claim. To do this, it is essential that your contract is adapted and corresponds to your expectations and needs in terms of coverage and budget.

1. Accurately evaluate the number of rooms

To calculate your home insurance quote, you will need to provide your insurer with some information about your home. Since the number of rooms is the most important feature, it is essential to know how to calculate it correctly. To do so, you must ask your insurer how it calculates the number of rooms. Indeed, for some insurance companies, a room of more than 40m2 counts as two rooms. For others, the limit is 30m2 or more. You should also be aware that certain rooms, such as the kitchen and bathroom, are not considered to be reportable rooms.

2. Choose your insurance according to your profile and type of home

Depending on your profile, the guarantees are not the same. Indeed, if you are a landlord wishing to rent your apartment, your expectations in terms of insurance will not be the same as if you are a student with a low budget. On the other hand, the guarantees are also different depending on the type of home you wish to insure. Indeed, whether you are an owner or a tenant, you will not want the same guarantees for a new home as for a second home or a furnished apartment. It is therefore important to carefully target your expectations in terms of your home insurance policy, particularly in terms of cover.

3. Rigorously estimate the value of your property

Before taking out your home insurance, estimate your furniture as accurately as possible. This includes everything in your home: from clothes to furniture, dishes, jewelry, valuables, etc. When calculating the value of your possessions, remember to keep proof of purchase and photos in case of a claim. Do not hesitate to declare a slightly higher value to anticipate the purchase of valuable goods after the subscription. However, be careful not to overestimate this amount as it may lead to a higher contribution.

4. Think about the compulsory equipment for the theft and burglary guarantee.

Concerning the theft and burglary guarantee, it is important to know that it only works if you respect the conditions and have the required means of protection. Indeed, certain constraints may apply depending on the location of your home. For example, if you live on the ground floor, your insurance may require window protection such as bars, shutters or bulletproof glass. If you live in the country, the installation of an alarm or remote surveillance system may also be required by your insurer. Be sure to read the general terms and conditions of your contract to find out what coverage is required for it to work properly.

5. Don’t forget to insure your outbuildings

If you have a garage or cellar, check that these outbuildings are covered by your home insurance policy. If this is the case, take into account the limitations of the contract. Your insurer may refuse to cover theft if your garden shed or basement is not locked. On the other hand, if you own a garden, find out about the additional guarantees covering garden furniture, swimming pool, garden shed, solar panels, etc., if necessary.

6. Comparing cover: valuables and precious items

As far as warranties are concerned, many of us think that jewelry is a valuable item. However, for insurers, these are two distinct notions. Indeed, as the name suggests, valuables only include objects of very great value such as sculptures and master paintings. On the other hand, valuable objects include precious stones and jewelry. So be careful and make sure you insure your jewelry with an extended warranty. With some companies, if you take out comprehensive home insurance, your precious objects and valuables can be insured without any other guarantee.

 

7. Contact an independent insurance brokerage firm

If you are hesitating or running out of time, don’t hesitate to call on an insurance broker. His role is to help you choose the policy that best suits your expectations and your needs, particularly in terms of budget. He selects and compares FREE for you several insurances that may suit you. Going through an independent brokerage firm also makes it easier to manage the contract. Indeed, the broker, who is your reference adviser, is more easily reachable by telephone or e-mail than the insurance platform. Finally, he or she will also be able to negotiate on your behalf and thus enable you to benefit from the best rates.