Let us begin by saying that is the multi risk home insurance is an insurance that protects the home and its contents and including coverage against damage that can commit to others. This insurance of home covers own damage occurring flood fire or theft and other domestic accidents and cause such accidents in the house of his neighbor. Despite having a significant cost, it is convenient to have in our home this type of insurance.
Approximate cost of insurance
The insurance fee is proportional to the value of the property insured and the number and type of coverage selected, another factor that can raise the amount is the age of the home and whether it is isolated or easily accessible to thieves. Most companies insurance have on your website, a dictionary of insurance and a simulator to calculate the annual fee you can use one of any companies that offer multi risk insurance to make the calculation, as quotas do not vary much from one to another. Google offers major companies look for one with the simulator. Keep in mind that the accident rate is raising insurance premium as well as usually a good record of accomplishment in a company down.
The biggest advantage, peace with neighbor
The comprehensive insurance is one of the best home insurance is seriously advisable for those who want peaceful coexistence with its neighbors. If it causes a flood or any other domestic disaster, insurance as well as cover the costs of repair, is responsible for arranging the neighbor’s house, if this is not happy with the repair their complaints are directed to the insurer, not His person.
Otherwise, not reparable damage the neighbor it will be your company who after a reasonable time in charge of the repair is made she in charge also claiming expenses while you. For just this reason it is now advisable to have a comprehensive insurance if you live in an isolated house, where the risk of harm to others is very low my opinion remains favorable to be covered by insurance but the advantage is lower, just about cover own damage
When the insurance there are several home insurance questions including there is the risk of doing the valuation of the insured property well? I are valued undervalued or high, overestimating in any case it is bad for insurers In case of disaster insurance only pays the lowest value between the insured and the actual value.