The home insurance
The home insurance
Find the best insurance (Caritas Luxembourg)
Anytime you are about to settle in life or in a real estate property, this is a serious matter that requires good preparation. This preparation for everyday life also includes everything that deals with your own “safety and personal welfare”.
A home insurance, though declined in different ways and formulas, always covers some basic risks: fire, water damage, theft, broken windows, storm, hail and snow. However, nowadays the tenant and the owner absolutely must think of a modern warranty that covers not only the dwelling or apartment, but also a number of ancillary risks dealing with both the furniture and the tenant’s personal belongings.
Nowadays, you can opt for a home insurance which provides coverage for vandalism, terrorism, sabotage, or earthquake and even for damage from sewer backups and runoff of rainwater. The removal of graffiti from the walls of your home, as well as soil decontamination, accidental pollution and theft of your garden furniture, barbecue and plantations are other options included in a modern insurance policy.
Breakage and theft of your mobile and non mobile computing equipment is also covered by a modern insurance, with retrofitting to the original equipment for up to 5 years. Breakage and theft of audiovisual materials and appliances are covered as well.
Then, the home insurance may provide you with an automatic flat-rate cover, that is to say a fixed amount for personal belongings that comes into force when you are traveling. Also included in this package are your camera, mobile phone, MP3 player, PDA and GPS. The insurance cover is provided for the risk of theft and assault or any other accidental cause. In such cases the validity of your home insurance is extended worldwide.
As far as furniture is concerned, especially in case of accident, furniture up to 10 years old are refurbished and refitted.
Practical advice: do take the time to take pictures or estimates of the value of your properties and personal belongings. In case of need, this information will facilitate the work and the compensation procedure both for the public authorities as well as for your insurance agent.