Multi-risk Home Insurance
Fire, water, explosion can destroy or damage your furniture and property, but also engage your liability towards your neighbors, third parties and your landlord if you are a tenant. You can also be the victim of theft. Any of these risks can be fatal to your budget.
So what should be done?
The answer is simple: Take out comprehensive home insurance.
What is Multi-Risk Home Insurance?
What are the goods guaranteed by this contract?
Is it an obligation? What would I benefit from?
What risks does this insurance contract cover?
What are the limits of the guarantees offered?
How to take out this insurance? What information to provide?
What should be done in the event of a loss?
What precautions should be taken to prevent a loss from occurring or to limit the consequences?
I. What is Multi-Risk Home Insurance?
The multi-risk housing contract is aimed particularly at owners or lessees of apartments or individual houses, it helps protect family assets.
It is a contract that covers several risks as indicated by its name:
Multi = several.
Risk = event that occurs and causes damage.
The multi-risk home contract includes at least 3 guarantees, fire always being included.
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II. What are the goods guaranteed by this contract?
Real estate: it is the container of your home - villa, apartment, detached house - (walls, layout, etc.)
Movable property: it is the content of your home in furniture, clothing, household appliances, the renovations you have made in painting, wallpaper, false ceilings, fitting out a kitchen or a bathroom, etc. .
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III. Is it an obligation? What would I benefit from?
If you are the owner or co-owner of your home, you are not required to take out MULTI-RISK HOME insurance.
If you are a tenant, your rental contract usually contains a clause obliging you to take out an insurance contract covering your civil liability towards the owner (negligence on your part may even justify the termination of the rental lease. ).
However, being well insured, when a disaster occurs, avoids many inconveniences. Without insurance, all the consequences of a loss will be your responsibility.
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IV. What risks does this insurance contract cover?
The "comprehensive home" contract guarantees, under certain conditions, your property against: fire, water damage, glass breakage, theft and civil liability. You may be offered other guarantees, depending on the company of your choice.
1. Fire and related risks:
Damage caused by the sudden action of heat or by direct and immediate contact with fire or a flaming substance liable to degenerate into a real fire and which affects either the container - real property (walls, fittings, embellishments… .etc .), or the content - movable property, equipment, household appliances and other goods therein.
Other guarantees may be attached to the fire:
Explosion, falling lightning, electrical damage, loss of rent, etc.
1. Water damage:
Damage caused by water such as:
Water leaks, rupture and overflows of non-underground pipes, of any water and heating device, overflows and spills of containers and infiltration of rain.
Not to be confused with flooding.
2. Theft:
Damage due to the theft or deterioration of your property, following a theft or attempted theft committed in any of the following circumstances:
Breaking in ;
Use of false keys;
Theft preceded or followed by murder, attempted murder;
Violence duly noted on the person of the insured, or a member of the family, or not generally living with him, or a member of his staff.
3. Glass breakage:
Damage caused to mirrors and tinned glass fixed to the walls or movable doors, windows, in particular in the event of breakage caused:
By the unintentional act of the insured;
Through the awkwardness, recklessness of the people living with him.
4. Civil liability of the owner or tenant:
Damage caused to third parties (material and bodily) by you or people (members of your family or employees, etc.) as well as animals and things in your care.
Intoxication or poisoning caused by drinks or food products consumed at the family table;
The breakage of a window caused by your child while playing ball;
The fall
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