Home insurance is not compulsory for everyone. However, it remains an advantageous option for owners, tenants and students alike. On average, coverage of this type costs between 200 and 375 euros per year for an apartment or house.
However, there are tips for minimizing expenses for this type of coverage.
Comparison of the different home insurance available on the market
To find the cheapest home insurance on the market, there is nothing like comparing the different offers. With an offer of 100 euros per year, at the top of the list, you have self-assurance. Be careful though, in this case, you will have to pay a deductible.
In the second position, you have Lovys. This company offers you support for 116 euros per year. Then, you have AcommeAssure for 130 euros per year. In the 4e position, you have Luko with a contribution of 132 euros per year. Then, in 5th place, there is Euro-Assurance for 140 euros per year.
Also, be aware that home insurance can vary from one city to another. Obviously, in large cities like Paris or Marseille, insurers offer higher rates.
Contracts can go for up to 200 euros in these regions. Not to mention that prices vary depending on the type of property to be insured: house or apartment?
Your profile can also impact rates. Home insurance for an owner will not be the same as a contract for a student or a tenant. It will also be necessary to take into account whether it is a bare or furnished rental.
These are the least expensive offers on the market. However, the guarantees offered may not correspond to your expectations and needs. Also, to properly compare the services of insurance companies, you must take certain details into account.
Compare the guarantees offered
For greater security and optimal support, you must also compare the guarantees offered. You shouldn’t just compete on prices.
- Private life liability
This covers material damage that you have caused to a third party. It could even be the consequences of incidents at home. In any case, this minimizes the expenses you will have to pay out of your pocket for repairs.
- Material damage of all kinds
Good home insurance must also cover material damage caused to your home. This may directly concern your property such as furniture and equipment that you use.
- Water damage
Water damage, caused by accident or carelessness, is also covered by home insurance. Insurers can cover both the repair of pipes and the restoration of the premises.
- Fire
A good home insurance contract also covers repairs after a fire. It may or may not be an electrical incident. Subject to the presentation of clear supporting documents, you can be covered for material damage such as the restoration of your apartment or house.
We are talking, among other things, about a fire report signed by a professional or an estimate for repairing the damage.
- Broken glass
Do you have glass surfaces? These can be bay windows, glass windows or doors, etc.. You must also choose glass breakage coverage in your home insurance. This ensures you are taken care of in the event of incidents of all kinds: accidents, breakage after bad weather, etc.
- Break-ins and vandalism
Break-ins attempted burglaries, or vandalism must also be included in the list of coverage covered by your home insurance. You must first of all protect your property but can also be insured against all the damage and losses that this type of situation can cause.
We are talking in particular about the loss of your belongings, but also the repair of your lock for example or the restoration of your property.
- Natural disasters
Furthermore, you must be insured against natural disasters of all kinds. The list is presented in your insurance contract. This allows you to activate your rights for reimbursement or to cover repairs in the event of damage after an earthquake, for example.
- The cracks
Cracks are the traces that are noticed in the home after a flood, a drought or simply a construction defect noticed too late and no longer eligible for the RC Pro of the craftsman. They can jeopardize the robustness of the apartment or house.
Which requires repair. Something you can do while taking advantage of adequate home insurance.
- Floods
This guarantee covers both damage to property and accommodation. This minimizes the contributions needed to repair your house or apartment in the event of flooding. It could be a natural disaster or an accident.
- Some optional guarantees
These are the basic guarantees of good home insurance. You can also claim some optional guarantees.
For example, you can also claim coverage for your electrical damage. Likewise, home insurance can offer school coverage to ensure the safety of your children. It can offer coverage for damage caused by your pet to a third party.
The best home insurance is the one that you can personalize according to your needs and your profile. The importance of the guarantees taken out can impact the annual contribution that you will have to pay.
Support conditions
The coverage conditions are also details that will need to be taken into account when you choose your home insurance.
- The importance of candor
Low-cost home insurance does not, however, cover 100% of all damage caused to your property. You will still have a deductible to pay. The importance of the latter may, however, change from one contract to another.
- Steps to take for a refund
You must also compare the steps to take to obtain repairs. As a general rule, you must file a claim. However, in the best-case scenario, you can complete the procedures online. Which can save you time when requesting reimbursement. a>
- How long does it take for support?
Also, for your safety and comfort, you should ask how long the pick-up can take. On average, for quality insurance companies, the delay is from a few weeks to more than a month. Everything also depends on the extent of the damage the speed of movement and the assessment of your expert.
All these details are presented to you in the contract quote. This facilitates competition between offers. To this, you can add the subscription conditions. The best companies, for example, allow you to simply fill out an online form.