When taking out insurance for your home, it is normal for many doubts to arise. In fact, it would be strange if this did not happen. Home insurance gives us all the peace of mind we may need. For this reason, before taking out anything, keep in mind some very important aspects that will allow you to have certain coverage before any unforeseen event occurs. As you well know, it is not mandatory but the goal is for you to be calm about whatever may happen.
First of all, what you need to take into account the most is everything that your policy includes. It is very important to let yourself be advised by a professional and trustworthy team. This is one of the most important points to take into account, since, for example, we may have any breakdown in an appliance that causes an incident for our neighbor, and our policy could cover the appliance but not the incident for our neighbor. Therefore, all these aspects are what must be assessed.
Most common housing problems
There are always some household incidents that are more common than others. Today we explain some of them:
- Incidents with electrical installations
Many properties may be old and it could happen that the wiring is not 100% compliant with regulations. In these cases, the first thing you should do is notify the property manager to warn him of the situation. This is one of the most common issues and it is important to warn of the situation for safety and protection. Other problems related to electricity could be overloading or poorly made connections.
- Plumbing
It is also one of the main problems: old or incompatible pipes, defective accessories, water leaks… These are just some of them. Plumbing is a whole world and can be a big headache if we do not manage it correctly.
- Ventilation problems
Whether it is to save energy, sometimes a lack of ventilation can cause major humidity problems. It can also be caused by a third party. External situations that can affect you directly.
What should you take into account when choosing your insurance?
There are many aspects to take into account, but EVERYTHING will depend on what you may need. Our suggestion is that you choose an insurance policy that covers you 100%. Not only the contents of your home but also situations that may affect third parties and the aesthetics of our house.
- Civil Liability Insurance is one of the most important. When we live in a building with neighbours, one aspect to take into account is how what happens to us can harm our neighbours. In this case, this insurance covers damage caused to third parties.
- Aesthetic damage. This is damage to doors, furniture, floors, etc. This is any aesthetic problem in our home that affects its functionality and daily life.
- Contents insurance, to protect all the objects we have inside our home.
- Protection for the building, this insurance will cover you against damage that occurs to the structure of the home or that may affect the community.
What insurance do we have at ASSAP?
Our proposal is this . It is a very complete insurance that gives you coverage for any unforeseen event such as fire, theft, water leaks… and most importantly, also for any damage that may be caused to third parties (a neighbor). With these, you will have coverage for:
- Fire, explosion, smoke or soot
- Vandalism
- Atmospheric phenomena, lightning, flood, shock, impact and seismic waves
- Water damage (water leak detection and repair)
- Electrical damage
- Breakage of windows and glass
- Breakage of sanitary elements
- Theft and plunder
- Temporary incapacity
- Liability, bonds and defense
- Total ruin
Want to know more? Contact us without obligation!