Have you ever thought about insuring your home ag
Do you want to be careful as much as possible from the consequences of a theft in the house? Here is the guide to “home theft insurance”.
To do, however, so that a theft in the house remains only a bad memory, the insurance companies have developed special home insurance that covers you in case you have to undergo (Sob!) this unpleasant experience.
So if you want to know everything about how home theft insurance works, read the paragraphs that follow because you will find a lot of information about this type of policy and also some advice on how to choose the best.
What is and what does home theft insurance cover
The first thing to say is that the home policy against theft in most cases covers not the damage due to the subtraction of goods, but the material damage caused to the premises and the contents of your home, including, for example, fixes where they have been damaged to allow thieves and burglars to intrude.
However, some companies provide the possibility of adding a further guarantee to your home insurance if you have in your home goods of a certain value.
This clause is called “precious guarantee” and we advise you to take it seriously if you keep large sums of money or numerous jewels in the house.
Keep in mind, then, that this type of insurance covers only the thefts and robberies that take place inside the house, not those in the immediate vicinity (for example, in front of the gate): if you want a cover that will compensate you even for attacks that took place outside, you will probably have to ask the company for a further extension.
Finally, most home theft insurance only covers damage to things, not people.
So if you want a 360-degree coverage that protects yourself and your family members, you will have to ask your insurer to do an integration or turn your attention to more comprehensive insurance products.
In the end, without being further around it, I tell you that the insurance coverage against thefts at home, at least in the basic formula without additions, usually contemplate compensation for a very precise list of damage, namely:
- Damage to the structure of the building (this only if you are the owner, but we will talk about this at the end);
- Damage caused to the objects contained in your home including furniture, furnishings and appliances;
- Damage to personal belongings such as clothes or shoes in the apartment at the time of the accident;
- Damage caused to the internal and external fixes during the break-in;
- Damage to the electrical system or other facilities in your home.
How much does the policy against theft at home cost
If you have already taken a look at some online home insurance and maybe you have tried to make some quotes you will be made that to know the cost of this type of policies you need to enter a lot of information about especially the property.
As a rule, to take out home theft insurance, your company will ask you beyond the province and the municipality of residence also:
- Measure in square meters of your home;
- Cadastral value of the property;
- Type of construction;
Although recovering this data will seem to you a hassled (in any case, you will simply download a cadastral visura of your home from the online cadastre site) it is a necessary step since the insurance needs to know the material value of your home in order to establish the annual premium to be paid which is usually around 150/200 €.
When compensation is not paid
You have taken out your home policy: does this protect you from any kind of theft? I’d like to say yes, but unfortunately it’s not, man!
The types of theft covered by the insurance are only those in which an actual break-in has occurred, so thefts with burglary, or those carried out after you or one of your family members have been subtracted the keys; in this case, however, to prove it to your company you will have to be provided with a regular report of theft or loss otherwise is not valid.
Even the robberies with threat occurred in the presence of the insured and / or his family members are included in this list because in this case you can in effect prove the clandestine introduction of strangers into your home.
The reason for this limitation is evident: if the thieves have entered the house because they had been left open doors and windows will hardly be compensated.
Banal as reasoning, but for companies it works like this!
The problem arises instead when you are the victim of a left without burglary in which in fact it is not possible to prove the break-in.
Have you ever stayed locked out of your home with your keys inside? What did you do? You probably called the locksmith who came to open the door with a special lock picklat called “lockpicking” which is used precisely to open the cylinder locks.
Well, even the criminals use similar tools! “And I’m going to do something like that then I really don’t really have a right to anything even if I did insurance”?
No, quiet, even in these cases, even with a little more difficulty, sometimes you can get compensation, but how to do I explain it to you in the following paragraph.
How to claim compensation for a policy against theft in the home
Have you suffered a theft in the house? What to do to get indenizzo? The procedure is really very simple: you will have to submit a specific request to your company by attaching the complaint submitted to the police.
However, be very careful to present from the beginning all the necessary documentation to the insurance or insurance agent because some companies provide a time limit from the time since the accident took place and / or made a complaint (usually 3 days), after which you will no longer be able to apply for compensation.
Once this step, your insurance will charge an expert of his trust to make sure that it is in all respects a claim and to calculate the total amount of damages to proceed with the refund.
What if the theft happened but there are no signs of burglary? Reforest your sleeves, man, because as I said before you will have to work a little harder to prove the intrusion!
Are there cameras near your home or inside your home? You can bring the recorded videos as evidence! Did the alarm sound, or are there any testimonials of neighbors who heard noises?
In short, in short, everything that can be used to prove that there were strangers in your apartment can be fine.
As an extreme ratio, if your insurance refuses to pay, you can present a counter-exasure skill from a trusted technician even if, I tell you right away, this solution could cost you a little (but it will be compensated if you prove you are right).
What insurance home theft to choose
As in the case of Rc auto o other types of policies there is no absolute best insurance but there is the one that is best for you.
So if you wonder what the best home insurance is, even in this fall I have to tell you that in addition to the premium, there are also other aspects to consider.
Which ones? First of all you need to assess whether the policy that is offered to you by your company is “fullude” or “at absolute first risk”.
What do these words mean? I’ll explain it very quickly:
- In full value, we mean a type of insurance that provides for compensation calculated on the basis of the real value of the insured property and the assets contained therein;
- For absolute first risk policies, on the other hand, the company is willing to grant a maximum sum indemnifiable regardless of the actual value of the asset insured.
In the first case, therefore, if your property and the goods contained in it are underestimated with respect to the real value, you run the risk in case of accident to obtain only partial compensation; in the second case, however, it could happen that if the damage suffered is higher than the maximum amount insured, you will still receive a compensation lower than the value of the goods actually subtracted and / or damaged thus having to pay the difference in your pocket.
Here is the fate of the question: which one is best between the two?
Generally, in-house insurance is those that give the greatest guarantees of being compensated for the totality of the damage, provided, however, that the value of your home is not underestimated.
When it is advisable to insure home
Probably now that you have come this far you will want to know if securing a home is convenient: the answer, as in the case of other policies, is “depends”.
Do you travel often and/or leave your home unattended for many hours a day?
Do you live in an isolated area or in an urban center where, on the contrary, is there a continuous passage of strangers?
If you answered yes to at least one of these questions, you should seriously consider taking out home theft insurance.
Another aspect to consider to understand whether or not you should take out this policy is whether you are the owner of the house or only the tenant: in the second case, in fact, the coverage is valid only for the goods contained inside not for the plants or the structure of the property.
Now that you know home theft insurance, don’t miss the other insurance guides to better protect your property. You can find them all by clicking here!
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