Broken pipes, electrical system failure or damage to the home due to theft are just some of the things that home insurance protects you from. In Spain it is not mandatory to have him but three of every four homes have one. Insurance offers a world of possibilities, although at the same time they can give you great headaches, it is very important to know how to choose insurance!
Why is it advisable to have home insurance?
Today housing is one of the most precious assets and one of the highest expenses in the life of most Spaniards. Since setbacks are the order of the day, it is important to have someone to take care of the situation and the expenses incurred; and that someone, clearly, is home insurance. 16.5% of the Spanish population has had to face large bills at some time due to the lack of home insurance. Here are 10 reasons why it is advisable to take out home insurance:
The owner is protected against damage that the property may cause to a third party. For example, imagine that you are going on vacation and the pipes in your shower break and the water seeps to the roof of your neighbor; In this case, the insurance would be responsible for resolving the situation and paying the compensation corresponding to the affected party.
Murphy is always present, so the possibility of material damage to a home is large: a broken window, a clogged pipe or a damaged object … If you are not a handyman, home insurance can save you on more than one occasion. Having to call a specialist.
This is a more usual situation than we would like, specifically it accounts for 7% of the cases that a home insurance company must deal with. If on any occasion it happens to you, calm, the policy contemplates compensation for the losses suffered in the home of personal property. In addition, most of these insurances also protect you if you suffer a robbery or theft in the street. You are protected!
As was the case with robberies, fires in Spain are more usual than we think. Normally these fires usually occur due to electrical problems. If this ever happens to you at home, your home insurance policy will cover the losses caused by the fire.
Rains, winds, snowfall … Home insurance, in case of accident due to atmospheric phenomena, would be borne by the expenses that the repairs entailed.
In the case in which the owner of the house or any inhabitant of it is involved in a trial the insurer will provide the support of the legal defense service, especially in cases such as claims for damages, and even criminal defense.
Many people are not aware of this point, but their home insurance protects all family members including their pets. If your pet produces any material or personal damage to third parties, you are covered.
A useful service that can help many people make your “housework” much simpler. Do you have to install a lamp and you don’t know how to do it? Call your home insurance and they will send you a technician to do it for you.
These are all some of the most important reasons to take out home insurance. If you want to take out this insurance or any other, don’t forget that at Charles Stansy we work with more than 40 TOP insurers. According to your needs, we search and compare among all the options until you find the perfect insurance for you. If you already have insurance, from home or any other type, but you want to change it, download Charles Stansy and we will notify you with enough time (30 days) so you can notify your current insurer and let us help you find the insurance. that suits you best and with which you save more money. That easy!