Insurance is a service that you hire and pay for religiously and that, if everything goes well, you don’t have to use. But we usually sign the contract without reading it thoroughly (and sometimes without understanding it), which means we don’t get the most out of it. Yes, most of us know that if our downstairs neighbor tells us about a leak in their ceiling right under our bathtub, the insurance will cover it, but that’s because Standard home insurance covers many more things.
In addition to inviting you to read carefully, understand everything it says and, in case of doubt, consult with the company that provides you with the service, we recommend that you: Read these mishaps because they are probably covered by your home insuranceIf you are not sure, please contact them.
Things you can claim from your home insurance (because they are usually covered)
- Refrigerated food spoils due to a power outage. When there is a power cut and we are left without power for appliances such as the refrigerator and freezer, it may happen that due to the loss of temperature some food goes bad. In this case, it is usually possible to make a claim.
- A classic that I had to resort to a few months ago: I left my keys inside the house, but it could also be that a key has broken or you have lost them.In this case, it is common for the locksmith’s dispatch or even the lock change to be covered. However, call your insurance company before requesting a locksmith on your own.
- Computer breakdowns due to electrical problems such as a lightning strike or power surges, you can claim it from your insurance.
- Be careful because there are quite a few home insurance policies that offer help with computer support for those people who can’t cope.
- The handyman for the home For tasks such as changing a tap, hanging a shelf or putting up a lamp, they are usually available with insurance, although with a certain number of visits and hours per year.
- It is quite common for the burglaries outside the home are also covered, although there is usually a limit on the amount covered.
- The Civil liability for your little ones’ pranks is covered, such as if a window glass has been broken by a ball.
- If you have a A dog not classified as dangerous and it bites someoneCivil Liability for damages to third parties is covered. We insist: only if your dog is not a breed classified as dangerous, since in that case
Cover | Photo by Maria Ziegler on Unsplash
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