However these policies may include much more than we may think at first, because there are many thoughtless scathing coverage that can be effective depending on our personal, family and professional situation. Imagination, the needs of each and the money put limits.
Let us look to start some of these curious coverages that could offer home insurance. Did you know that, for example, can cover damage to cause any mischief or prank that children in our care (children, godchildren) may cause? And interestingly not only in the environment of our home, but beyond it. For example, in a shopping mall. Technically it called family liability coverage, and serves to cover damages caused to third parties for any component of a family. In that sense, there is also coverage concerning discomfort or harm our pets may cause to others, both at home and outside it.
To continue talking about children (and adolescents), unfortunately one of the sad frequent situations today is cyberbullying and violence through the network, given the proliferation of new technologies in the personal environment. Some insurance companies have created specific coverages related to these cases, helping to protect the insured and his family in cases of this kind.
Another service that more and more companies include in their offer is the DIY service, which makes available to the contractor the help of experts in repairs or installations. So we should not worry about assembling a cabinet, changing a plug or fix a broken handle, then we will have that available option included in the signed insurance. Some insurers also contemplate the possibility that need the service of other professionals in our house, creating computer support specific coverage or medical care. Cosmetic damage are also included within the offers put on the market the different companies.
Outside our home
The funny thing is that in addition many of the coverages included in home insurance are not confined to the domestic environment, but also encompass scenarios occurred in the exterior of our home. This is the case, for example, of a robbery happened on the street. Some policies include compensation for theft and even robbery in the middle of the street, and others provide travel assistance (cover travel expenses, hospitalization, location and rescue, compensation for lost luggage and a host of possibilities).
Home insurance can take over even the loss of refrigerated food, we have at home, as a result of an electrical fault; service erase fingerprint; Lock mobile devices that we lost or we have abducted; of the damage caused by foundations or landslide; the costs of demolition and debris removal ... The advice is always the same: well informed of what we can offer a certain home insurance and know your coverage before hiring. And if you want it easier to talk to your insurance agent and get you out of doubt and give good recommendations.
Peculiarities country
Putting our focus now on home insurance in the world, highlights many amazing circumstances. For example, the fact that in our country neighboring nations like France or Switzerland is mandatory recruitment. And not only in the case of buying homes, but in regard to rent. In the Helvetic country also hiring home insurance is not performed in some cantons through private companies, but by public bodies.
Two other countries firmly committed such policies (although they are not mandatory procurement) are the United States, with about 95% of its homes and Australia, with 85%. By the way, speaking of Americans, the most frequent causes of loss in homes are two: vandalism and theft on the one hand and on the other weather elements (wind, hail, floods).
On the opposite side Latin American countries like Mexico or Colombia, where virtually ensure the homes are located. Only 5% of Mexican homes are insured, while the percentage of Colombian who bet on covering their backs in that sense is around 1%.
Millionaires, of course, are a world apart, and also in insurance. Let's finish this post with a curiosity: it has become fashionable among some people of high purchasing level hiring an insurance paramilitary operation. This allows them, if necessary, in record time have the help of a team of professionals who put their expensive possessions safe in case of a theft or a natural disaster.
0 comments:
Post a Comment