We all know what you can offer us a home insurance generally: what are its main coverage, it protects, what guarantees, what it is.
However , these policies may include much more than we may think at first , because there are many coveragesimpensadas scathing comments that can be effective depending on our personal, family and professional situation. Imagination, the needs of each and the money put limits.
Let 's look to start some of these curious coverages that could offer home insurance. Did you know that, for example, can cover any mischief causing damage or mischief that children in our care (children, godchildren) may cause? And interestingly not only in our home environment, but beyond it. For example, in a shopping mall.Technically called family coverage liability , and serves to cover damages caused to third parties by any component of a family. In that sense there are also hedging concerning discomfort or harm our pets may cause to third parties, both at home and outside it.
To continue talking about children (and adolescents), unfortunately one of the sad frequent situations at present is the cyber bullying 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 tothe 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 option available included in the signed insurance.Some insurers also contemplate the possibility that need the service of other professionals in our house, creating specific coverages IT support or medical care . The cosmetic damage are also included in the offers put on the market different companies.
Outside our house
The funny thing is that in addition many of the coverages included in home insurance are not confined to thehome environment but also encompass scenarios occurred in the exterior of our home. This is the case, for example, a heist happened on the street. Some policies include compensation for theft and even robbery in themiddle 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 handle even the loss of food chilled, we have at home, as a result of an electrical fault;service deleted fingerprint ; the blocking of mobile devices that we lost or we have stolen; the damage caused by foundations or landslide ; the costs of demolition and debris removal ... The advice is always thesame: 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 neighboring country France or in nations like Switzerland is compulsory recruitment. And not only in the case of buying homes, but in regard to rent. In the Helvetic country also hiring home insurance isnot 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 asegurados- 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 lie Latin American countries like Mexico or Colombia , where virtually no addresses are secured. Only 5% of Mexican homes are insured, while the percentage of Colombians who are committed to cover himself in that sense is around 1%.
The millionaire , 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 belongings safe in case of a theft or a natural disaster.