What actually insure home insurance ?

This insurance for the loss of all mobile objects, which are in a household Household goods -. In short - everything that falls out, if you put his house upside down and shakes And that may be more than you think. !
Over time, countless other private things still accumulate in a household in addition to the furniture in. Electrical appliances, instruments, clothes, toys, art and much more. All this is covered by a home insurance usually against fire, water damage, burglary, vandalism, hail and storm. Also food, pellets, fuel oil and pet include the household.
A home insurance insures all moving objects in the so-called protection of a house. This includes terrace, balcony, basement, laundry and hobby room. Belongings, which is housed here, is also subject to the coverage of the insurance.

How important is the protection of a home insurance?

Imagine a total loss of your inventory. If you are financially overwhelmed, everything they need to buy new, making the conclusion of a home insurance for sure sense. Whether for a theft or burglary missing expensive inventory or after a fire a total loss arose - quickly there may be large amounts of money. For families in which over the years a lot of furniture, clothing, etc., are met or collectors who call valuable items of their property, a home insurance in case of accident is worth a lot. Lose an entire family in a fire their belongings, it is almost impossible to recover this quickly with its own funds. For young people who do not have any expensive electrical appliances and settle for cheap furniture, a home insurance is rather an unimportant insurance.

What services does a home insurance?

If you have completed a home insurance, it jumps in the event of damage and compensates the financial loss of up to the amount of the contractually agreed sum insured. In general, the basic building block of a home insurance provides coverage against fire, water damage, burglary, vandalism, hail and storm. to Living in an area that requires special protection, such as a house at the foot of a mountain, you can often hedge against other risks. These include the natural hazards. This includes all the damage caused by the raging nature. For example, floods, earthquakes, storms, avalanches and volcanic eruptions. you Living in a vulnerable region, can you protect also with most insurance at an extra cost.

But a home insurance not only provides financial compensation of destroyed or mislaid goods. Are an apartment or a house after a disaster no longer habitable, it takes over the costs incurred by cleanup, surveillance and protection costs.
The accommodation in a hotel or a transition to live is taken from the Household insurance, apartment or house should no longer be habitable.

What should the base rate of home insurance cover?

The usually very low base rates cover the most common damage in apartment or house. You grab burglary, robbery, vandalism, storms, hail, fire and damage caused by tap water in the home or with the house. The insurance is often here the entire household, including: Antiques, art and valuables, electrical appliances, clothing.
What protection can additionally insure?
Many insurance companies offer a wide range of additives. Also specialist insurers are pushing more and more on the market. The most frequently asked is the extra protection against overvoltage: If a lightning in a line or a landline, electrical equipment may be damaged. More and more insurers integrate this protection in its base rate, although some require this protection a surcharge.

When not attack the home insurance?

There are claims where not to step in the home insurance or the base rates of insurance. These include

•     intentionally or negligently damages caused.
•     Theft by creep in apartment, damage confidence trick.
•     Glass breakage (unless they have been insured through a glass insurance)
•     Water damage caused by water beds or fish tanks
•     Disasters (unless they have been insured in addition) 

The home insurance also does not accept, the policyholder should have been stolen an object outside the scope. So the iPod, which was stolen in the school bus out of the pocket is not included in insurance coverage. Also not insured all the items that are fixed to the building, such as heating systems, fitted kitchens custom-made and SAT systems. The "shell" of the house, this includes roof, walls, basement and windows is not covered by the insurance. If this damage occurs, the building insurance is responsible.

Are shed and garden shed from the fair?

The condition is that the garden house or tool shed are on the same grounds as the insured dwelling. In this case the household, which is located inside the building is also protected. But note: Only the moving objects are insured. If damaged, for example during a burglary window or door, the damage is not covered by the home insurance, repairs are not paid.
Allotments are not included in a rule in the insurance coverage of household with. Mostly, they are too far away from the house or apartment. If one, however, incorporated parts of his household for a maximum of three months in the small garden, it is possible that foreign insurance also engages here.
How to calculate the correct sum insured?