You may not know it, but every tenant is obliged by the law of July 6, 1989 to take out online quote for home insurance. As soon as the lease or deed of sale is signed, as part of a purchase of principal residence in co-ownership, it is therefore necessary to be insured with the body of one’s choice. It is recommended, most of the time, to opt for a contract Multirisk home. What is it exactly? What does this type of contract include? We give you the keys to fully understand the Multirisk Housing Contract, otherwise known as MRH.
How does home insurance work?
Online quote for home insurance generally consists of two types of coverage. On the one hand, a protection is put in place for all that relates to your lodging and all the material goods which it contains. On the other hand, coverage of your civil liability is also provided. The latter covers you in the event that you or anyone else living under your roof causes damage to a third party.
Home insurance must comply with the basic contract. You will need to report any changes to your home, such as building an additional room, installing a fireplace or building a pool. In addition, if you plan to live abroad for a few months, for example, remember to warn your online quote for home insurance, which often sets a maximum period of vacancy. If it is exceeded at the time of a disaster, you may not be covered.
Finally, do not forget to protect yourself from all the exclusions mentioned in your insurance cover. This ensures that everything is always locked at home, that your windows are closed as soon as you leave your home and that you do not commit any negligence that could lead to a disaster.
What are the guarantees of the Multirisk home?
In general, the same guarantees are present, from a home multi-risk contract to another. Here they are:
The liability, which covers the costs of the damage caused to another person,
Coverage for water damage, which covers the damage done to your home or to your neighbors by a water leak, infiltration or a rupture of the pipes,
The fire or explosion cover , which covers the damage caused by fire, smoke and the passage of firefighters, in the event of an accidental fire,
Coverage relating to theft, which covers your property and yourself, depending on your contract, in case of break-in or proven violence (attention to exclusions),
Coverage related to natural and technological disasters, which will cover the damage provided that the natural disaster has been declared by interministerial decree,
The broken ice cover, which covers the accidental breakage of a mirror, a window or a window,
Cover acts of terrorism and attacks, which covers the insured for damages resulting from acts of terrorism or attacks perpetrated on the national territory,
The cover storm, hail and snow, which differs from the guarantee natural and technological disasters and lists his name in the risks covered.
Multirisk online quote for home insurance, however, does not respond to the negligence factor. If the expert sent by your insurer can prove that you have been negligent, you will not be insured, or you will be partially insured. This will be the case if you have been burglarized because you have left your door or an open window for example.
Choose your home insurance according to the value of your property
In order to be properly covered by your comprehensive home insurance, you will need to assess the value of your property as soon as the contract starts. In fact, the amount of your monthly payments will be determined by the risk you represent for the online quote for home insurance. The higher the value of your assets, the more risk you have and the higher your contributions. It is therefore useless to declare more property than what you have, especially since you will not be exempt from the justification of the value of the property damaged by an invoice. A slight overestimate is however possible if you intend to acquire valuable goods soon.
Be careful not to underestimate the value of your property to pay your less expensive monthly payments. Indeed, you would take the risk, in case of total loss, to find that your maximum compensation is not sufficient, in relation to the property damaged.