At the time of taking out home insurance, the potential policyholder tends to value the coverage against the theft of personal belongings, a fire or acts of vandalism that cause damage to the house. But the companies incorporate a series of benefits that are beyond the general casuistry and, nevertheless, can be adapted to your specific needs.
Knowing the services offered by home insurance will be useful to compare between the assumptions and exclusions that different companies contemplate. Whether you are thinking of changing companies or have not yet insured your home, attend to all the services that you can include in your policy to be covered in case of unforeseen events.
Food and medicines stored in refrigerators are exposed to power outages that can last several hours or days. The electricity supply is essential to preserve your purchase of the week, which can be spoiled during a blackout.
Luckily, there are more and more insurance companies that provide compensation for the value of spoiled food in the event of power outages. A particularly useful extra service if you have a weekend residence and cannot keep an eye on your electrical appliances all the time.
The electrical installation is a particularly sensitive aspect of our home, because in addition to blackouts, there may be power failures, short circuits or power surges caused by lightning. In all these cases, the devices connected to the network will suffer serious damage.
Your home insurance may include the replacement of computer equipment or the assistance of an electrician in case you need to repair an appliance. Insurers will take into account the age and cost of the equipment, so it is essential to make sure of the assumptions that the policy contemplates before signing.
A broken pipe or a flood can cause damp on the walls or the wood on your floor to swell or rot. Certain home insurances also include the service of aesthetic reforms to recover the appearance of your home before an unforeseen situation or a natural catastrophe, so that, in this way, the policyholder does not have to pay for all the repairs out of pocket.
Due to ignorance or lack of time, some insurers also offer a DIY service at home. A professional with his own tool will travel to your home to take care of the most basic maintenance and repair tasks in the home: from repairing a socket to installing new curtains. You must take into account the assumptions for the coverage of labor, materials and travel costs to have this additional guarantee.
Although it may seem contradictory to you, another of the guarantees that this type of insurance contemplates is theft outside the habitual residence. The inclusion of this service is a way of insuring jewelry, watches or other items with sentimental or economic value for the policyholder in the event of robbery with violence or intimidation.
In addition to stealing your wallet, thieves can also make illegal use of your credit or debit card. Online purchases and the habitual use of contactless have exponentially increased this type of crime. Typically, companies will set a maximum limit for coverage for cash taken by third parties.