Home Insurance: My contract covers there anything other than housing?
Home insurance is called "casualty". With such a name, it must compensate all sorts of other claims as housing. Which ones? Key.
Dependencies: cellar, garage, hangar
Home insurance always extends free dependencies of accommodation: the basement, garage, small cottage DIY or gardening.
However in case of theft, bad weather, fire, do not expect miracles! The compensation will be exactly as if the burglary took place at home:
- It will show them safe: ie it must at least install good locks on the door of the garage or cellar and bars on the windows.
- It will justify the value and age of the stolen items: so at least produce the bills.
The Board of Hyperassur: If you have valuables, works of art, large bottles of wine or even a bike very good, do not put them in the cellar! In case of problems, if you want them to be well compensated no secret, they must be put under protection or take out a specific guarantee.
Family
Home insurance always includes free guarantee "family liability". Its role is to repair the damage caused accidentally by your family in the context of privacy.
The whole family is covered broadly:
- The insured contract subscriber
- And any person living in the home, regardless of their marital relationship with him
People who take care of children and animals casual and free, are also insured for the damage they cause to others, because of this guard.
Sports and Recreation
Comprehensive home insurance covers all entertainment and sports and "basic" for the whole family:
- School activities and after-school child
- The practice of a sport if he is not dangerous or risky
- Vacation rentals for responsibilities vis-à-vis third parties and neighbors
If you have a question for the practice of a particular sport, check the exclusions listed in your policy. Or give them a call to your insurer.
Home insurance is called "casualty". With such a name, it must compensate all sorts of other claims as housing. Which ones? Key.
Dependencies: cellar, garage, hangar
Home insurance always extends free dependencies of accommodation: the basement, garage, small cottage DIY or gardening.
However in case of theft, bad weather, fire, do not expect miracles! The compensation will be exactly as if the burglary took place at home:
- It will show them safe: ie it must at least install good locks on the door of the garage or cellar and bars on the windows.
- It will justify the value and age of the stolen items: so at least produce the bills.
The Board of Hyperassur: If you have valuables, works of art, large bottles of wine or even a bike very good, do not put them in the cellar! In case of problems, if you want them to be well compensated no secret, they must be put under protection or take out a specific guarantee.
Family
Home insurance always includes free guarantee "family liability". Its role is to repair the damage caused accidentally by your family in the context of privacy.
The whole family is covered broadly:
- The insured contract subscriber
- And any person living in the home, regardless of their marital relationship with him
People who take care of children and animals casual and free, are also insured for the damage they cause to others, because of this guard.
Sports and Recreation
Comprehensive home insurance covers all entertainment and sports and "basic" for the whole family:
- School activities and after-school child
- The practice of a sport if he is not dangerous or risky
- Vacation rentals for responsibilities vis-à-vis third parties and neighbors
If you have a question for the practice of a particular sport, check the exclusions listed in your policy. Or give them a call to your insurer.
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