Insurance home owner, I am in my apartment

Here is the plan of this page:
1 / Guarantees “damages” to cover my property

Buildings - The household - What do I care? –

2 / Liability

The damage to neighbors and others - Liability privacy or head of household - What do I care?
- Under Contract –

3 / The legal protection

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1 / Guarantees “damages” to cover my property

The contracts contain a residential damage guarantee, this guarantee can cover both buildings, furniture and personal effects, the improvements and embellishments.

Buildings

During the subscription, it is important to make an accurate statement of risk: the number and the surface, the surface of buildings (including outbuildings). Indeed, these elements will also be taken into account when calculating the premium. If sub charging penalties are provided by the Insurance Code, if a disaster occurs the compensation may be reduced (the rule of proportionate premium article L 113.9 of the Code des Assurances).

Remember to inform your insurer in case of change of housing, for example: arrangement of the attic rooms, construction of a conservatory.

The buildings consist of:

1. -Constructions and dependencies
2. -Improvements and installations that can not be detached without being damaged or deteriorate without the construction, insurance language speaks of fixtures. example: heating, air conditioning … The embellishments that are not fixed to the wall are generally recognized in the furniture.
3. -Cellars and foundations

The personal

Assess its capital tax:

You must assess the total amount of your household, located in the housing provided (in language we speak of insurer capital furniture). The amount of your furniture will be the capital ceiling of guarantee. You will not be compensated beyond. It is therefore important to evaluate it. Be careful not to fall into the excess capital by overstating his furniture because the insurance premium is calculated based on the amount of movable capital declared by the insured.

Your property will consist of your household consists of:

1. Property on the house: furniture, objects and personal effects. (exceptions: land motor vehicles, ships, securities, cash …)
2. Precious and valuable items: see the precious objects of value

The events usually guaranteed contracts in the residential

* Fire: burning with flames outside the normal home
* Explosion: sudden and violent action of pressure or depression of a gas or vapor.
* Fall of lightning: are covered damage directly caused by the fall of lightning
* Climatic events (storm, hurricane, hurricane, hail and generally the weight of the snow)
* Natural Disasters
* Technological Disasters
* Water Damage
* Riots, popular movements, attacks
Vol *
* Broken glass (this guarantee is sometimes optional depending on the contracts)

*

Guarantees optional Owner Occupied

-accidents household that security can take care of damage caused by burning or heating that are not covered by the guarantee fire (burning with no flame). Example: an iron, a heating or lighting … The cigarette burns are sometimes excluded.

Broken-Window: When a window is damaged only after a household accident, an optional security glass breakage may need to be compensated.

-The damage electrical appliances are not guaranteed and fire risk if they are related to the damage, an optional guarantee is required to secure the electrical device, please visit our ticket insurance damage electrical

-Travel and relocation: when following a disaster you can not stay in your home. This guarantee allows you to ensure the costs of storage and additional costs of relocation (old rent - new rent). The new housing must be similar to the old one.

-the new value: To see the definition of new value through examples click home value to nine

What do I care?

-The proof: be sure to keep the purchase invoice objects whose value is important. These invoices will be claimed in case of theft or destruction. The insured must prove the existence of goods which he said the loss by any means (invoices, photos, packaging, instruction manuals, testimony of a third …)

-Dependencies: property contained within the dependencies are not always supported. Check with your insurer.

The goods-outdoors: in the courts, gardens, balconies, such as garden tables are rarely cared for when they are not stolen from a room. Check with your insurer.

-Trees and plantations are not generally guaranteed, some contracts provide an option for this risk with an additional premium.

-The property professionals and they require the purchase of an option or security of another contract with these risks.

L-index ETFs: certain warranties and free of your contract are fixed according to the index of the National Federation of Building (FNB). This index is changing every quarter and therefore increasing steadily. When your contract is updated with the new index, your benefits and your insurance premium increases.

Attention to non-compliance included in your contract and warranty conditions

Gel-Remember to stop the water and drain your pipes when you go on vacation during the winter (if you do not leave a minimum of heating), a reduction of compensation may be provided in your contract in case of freeze pipeline.

-Vol: Locks: to receive the cover theft, insurers can require that the doors are fitted with locks or two so-called security or safety. Each insurer has its own definition of the safety lock, some definitions require that the locks required for a specific label (locks certified A2P), but all definitions excluded locks with keys running round.

Absences: For most contracts, if you’re out of your home, you will not be guaranteed in flight in case of tampering or use of false keys. Also, close all your doors locked and your windows when you’re away.

If more than 24 hours or at night, some contracts require that all openings are protected (doors and shuttered windows without bars fitted pane) under penalty of a reduction of compensation in case of theft.

Finally, if you go for more than 2 months, check with your insurer that you continue to receive the cover theft. Indeed, the security is suspended flight beyond some number of days of indwelling (usually 90 days, sometimes reduced to 60 days of the contracts).

Neglect: Never leave your keys in your mailbox, under the doormat and globally in a hiding place outside your home, do not use your name and address on your key ring.

Recommended links: remote monitoring, alarm, security door, how to protect my home?

2 / Liability

Damage from neighbors and others

Residential contracts allow the owner to be covered for damage to neighbors and the third following an event such as flood, fire, explosion occurred in his home and spreading to neighboring homes.

Liability privacy or head of household

This warranty comes into play when you, your spouse, your dependent children, generally people usually live under your roof and your animals, causes damage to a third party. This warranty is included in the residential contracts.

* Example: A flower pot falls from balcony on your neighbor’s car, your child 5 years threw pebbles into the tiles from your neighbor’s house.

The guarantee may also cover your liability in case of accident:

1. Within-school activities and extra-school your children.
2. -In the context of sports and leisure (for a hobby out of competition). Be aware that some sports are generally excluded, air sports, sports with weapons. Furthermore, when you perform an activity within a club, you must purchase a license containing a guarantee that your insurance liability in connection with this activity.
3. Finally-this warranty also covers damage caused by your pets. Beware of possible exclusions: animals not allowed on french soil, animals, exotic, dangerous animals including dogs attack, check with your insurer

What do I care?

-The professional activities: these activities are not guaranteed by the residential contract, you must sign a professional liability.
Exceptions: The liability of certain profession may be included in some residential contract free or pay-option. The professions: the guardians of the child for profit, people receiving disabled or elderly, rental houses, rental of guest rooms.

-The land motor vehicles: all land motor vehicles: cars, lawn mowers with a seat, rotary, wheelchairs, motor scooters must be covered by a contract of automobile insurance.
Example: a fire destroys your home and the vehicle was in the garage, your vehicle will not be compensated by your home insurance but your auto insurance and only if you purchased the warranty fire.

-The school insurance: avoid duplicates. Your home insurance may include a guarantee and outside school (usually optional). In this case the purchase of another contract to clean the school insurance, often offered in schools is not necessary. For completeness, if you are in the case of a duplicate safeguards, be aware that certain benefits are cumulative (for the damage suffered by the child). Check with your insurer.

-Pets: Damage caused by dangerous dogs said (example: Pit bull type) are generally excluded from the guarantees. Your insurer may offer an extended warranty for an additional premium or simply refuse the guarantee.

During the contract

- New Warranty: You can change your benefits during the year, the request is by letter with acknowledgment receipt, indicate the contract number, your address and change of security to make. Your insurer, upon receipt of your letter, 10 days to deny your request, otherwise silence is acceptance, according to article L 112.2 of the Insurance Code. If you decide to increase your benefits will increase your insurance rates. If you decrease your benefits, your insurer will reduce the premium, if you can cancel your contract with a notice of 30 days, depending on L 113.4 of the Insurance Code.

-Modification of risk: you must notify your insurer any changes that cause an increase or a new risk. The declaration must be made within 15 days by letter, according to L 113.2 of the Insurance Code.
Your insurer will have the opportunity to refuse to risk and to terminate the contract or to propose a rate increase for the new situation, as L 113.5 of the Insurance Code.

* Example: You build a veranda where you arrange the attic. A risky activity settles at the bottom of your building (restaurant, bakery …) instead, for example, an accounting firm (offices). Also, if you buy valuable items (tables …) check with your insurer that your policy provides adequate safeguards.

-Moving: In most cases, if you insure your new home with the same insurer, it will make an endorsement on the existing contract and continue to provide accommodation during the previous 30 days.

3 / The legal protection

Guarantee legal protection agreed in the context of a household may include both disputes arising under the private life (after a purchase, a problem in your life …) and disputes relating to your home.

This guarantee is often overlooked by the insured while it may be most useful, see our article: Legal protection insurance