The hiring of a home insurance is something that still sounds like an expense for some owners who mistakenly think they are saving in this aspect.
The truth is that custom home insurance can solve many of the problems or incidents that may occur in the daily life of a family, breakages, loss of keys, delinquent tenants … It is important to understand that a home insurance will give you peace of mind when facing any type of incident in one of the most important aspects of life such as your home.
It is important to protect your home correctly in the event of eventualities such as broken pipes, fires, damage to third parties in adjacent homes, the real catastrophe occurs when these events occur and no home insurance has been contracted.
The protection of our content is also important, furniture, valuables, paintings, jewelry … all this has to be correctly quantified and adhered to our home policy.
A good home insurance should offer you the following basic coverages:
• Coverage of damage to the continent: structural damage, windows, roofs, floors, doors, electrical and water, gas, continuing a long list of components that make up the housing itself. These damages can be derived from a theft, a fire, floods, in this sense you should know what risks that policy includes.
• Cover damage to content, everything that is in the house but not part of the continent, furniture, appliances, appliances, etc …
• Civil liability towards third parties.
• Legal defense to be able to act before claims of damages, community. This guarantee may also include criminal defense and others as rights of the owner or tenant.
Do not fall into bad practices or traps made only for profit:
The lack of information can result in an underinsurance.
– Contract a home insurance with the bank when making a mortgage. This is a requirement but free choice since the bank requires to have a home insurance which is understandable but not take advantage of the situation to place a product of yours. Do not be enraptured by the pressure of the bank and carefully study if it is going to be beneficial or if otherwise the market offers better options and prices.
– Selling beneficiary rights to creditor entities in the case of mortgaged homes is usually a very serious error.
TOTALLY FREE ADVISORY !!! For information on the financing process, purchase / sale, property management, or real estate investments, you can contact us at:
Cel: 829-554-0934 or to our email info@inmoteca.net
• José Nieto
