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AUTO INSURANCE

HOMEOWNERS INSURANCE: Definition, Benefits, Rates, Companies?

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Home insurance: how many coins declare?

Home insurance: how many coins declare?
By Comprendrechoisir |
Disaster with expertise, compliance audit of your policy is systematic. This monitoring shall include the number of rooms as well as the living area.

If there is fault, you expose yourself to the application of a coinsurance for your compensation even if the claim is unrelated to the error . Specifically, your compensation could be significantly reduced.

For more information: Notice of Claim

For an apartment
The risk of an error in the number of parts is quite low, both at the time of purchase in the future highly unlikely since there is an expansion or another.

However, be careful to:

the inclusion or not of the kitchen :
from one insurer to another, it is taken or not taken into account in the total number of parts;
the terms of your contract should describe the principle parts counting;
the surface of the living : to adapt their pricing, many insurers that it takes two parts from 30 to 40 m²;
well tell your insurer if you are considering a change in your home :
a large room divided into two or two small pieces together to make a larger example;
This final point is especially owners as tenants are more limited in the choice of design.
Parts to be declared for a house
Greater vigilance is required if you own a home. Indeed, the design possibilities are many and updating of the insurance policy is rarely the primary concern.

Here are the scenarios in which to tell your insurer:

creating rooms in the attic;
you plant a summer kitchen and / or a guest room in the garage;
you turn a basement into a playroom or media room;
installing a conservatory;
you maximize your home, etc.
More generally, as soon as your development project requires a building permit or authorization to work, it is almost certain that your insurance policy should be modified:

Conscious forgetting or not changing your insurance policy may have serious consequences for your compensation in case of disaster.
Proportional rule will be applied: reduction in compensation in proportion to the premium that would have been payable if the contract had been updated.

Home insurance: how many coins declare?

Home insurance: how many coins declare?
By Comprendrechoisir |
Disaster with expertise, compliance audit of your policy is systematic. This monitoring shall include the number of rooms as well as the living area.

If there is fault, you expose yourself to the application of a coinsurance for your compensation even if the claim is unrelated to the error . Specifically, your compensation could be significantly reduced.

For more information: Notice of Claim

For an apartment
The risk of an error in the number of parts is quite low, both at the time of purchase in the future highly unlikely since there is an expansion or another.

However, be careful to:

the inclusion or not of the kitchen :
from one insurer to another, it is taken or not taken into account in the total number of parts;
the terms of your contract should describe the principle parts counting;
the surface of the living : to adapt their pricing, many insurers that it takes two parts from 30 to 40 m²;
well tell your insurer if you are considering a change in your home :
a large room divided into two or two small pieces together to make a larger example;
This final point is especially owners as tenants are more limited in the choice of design.
Parts to be declared for a house
Greater vigilance is required if you own a home. Indeed, the design possibilities are many and updating of the insurance policy is rarely the primary concern.

Here are the scenarios in which to tell your insurer:

creating rooms in the attic;
you plant a summer kitchen and / or a guest room in the garage;
you turn a basement into a playroom or media room;
installing a conservatory;
you maximize your home, etc.
More generally, as soon as your development project requires a building permit or authorization to work, it is almost certain that your insurance policy should be modified:

Conscious forgetting or not changing your insurance policy may have serious consequences for your compensation in case of disaster.
Proportional rule will be applied: reduction in compensation in proportion to the premium that would have been payable if the contract had been updated.

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Focus: personal liability of home insurance

Focus: personal liability of home insurance
© Photo-free
By Comprendrechoisir |
Liability is one of the basic guarantees of home insurance. It protects you against damage or injury you cause to others.

What damage does it really cover? Who is insured?

Everything you need to answer you!

Liability: compensation for damage you cause
Here is an example of compensation you indemnify liability:

You cut the branches of a tree in your garden and one of them falling injures a passerby. This "third" hit, will have to pay a certain sum to heal.
You can then play the liability portion of your homeowners insurance.
To sum up:

In any case your will be liable, your insurer will compensate the victim of the damage.
Conversely, if a third hits you, its liability coverage will compensate you.
Warning : if you intentionally cause an injury to a third party, the insurer will refuse to pay compensation to such person.

Who is covered by the liability of home insurance?
Liability can you cover in some cases and not in others:

It does not cover damage that you or your family may cause to another family member.
It only covers damage caused to third parties and neighbors.
It covers you as a subscriber of the contract, and all people living in your home every day:
your family;
your spouse (e);
members of the family of your spouse (e) residing at home;
your pets (except dangerous animals).
It therefore covers the damage that could cause your children to school or as part of their sports. However, check that your home insurance policy covers all sports, including martial arts.
Note : Some policies take into account the case of joint custody child. However, none should subscribe to a specific insurance for paid staff, as the babysitter or employee household.

To be always well protected and advised :

Although choose home insurance is important. Download our free factsheet to guide you in your choice.
To better identify you, guide the individual insurance ready to download and here to help!
You want to take out liability insurance to an association ? Our practice free downloadable sheet tells you what to do!

Home insurance contract: how to make changes?
You want to change some elements of your policy following a change?

General Rules: what you should know
You must request an amendment to your contract in different cases:

Home Insurance - Modifications
you move and change of residence;
you change the use of your home (eg you spend a part of the house for business use);
the subscribed capital becomes insufficient due to the purchase of furniture, jewelery etc. ;
you change your house (expansion or redevelopment of parts ...);
more generally, when you change the elements used to establish the initial contract.
You may request a change to your contract in different cases:
change in circumstances: family, profession, moving ...;
aggravation or decrease the risk covered by your insurer.
For this change, you must submit a written request to your insurance company and send it by registered mail with return receipt (not to mention the supporting documents) asks:
Within 15 days after the change in circumstances, whether this represents a widening of the hedged risk.
Specifically, the formalism of the contract change may well come true with a visit to agency, by any means of communication present communication (fax, email, telephone ...) since in face to face or by return Mail your insurer confirms the inclusion of this change by contacting your new particulars. When in doubt, the change request by recorded delivery actually remains the undisputed using the change request.
No response from your insurer after 10 days, you can assume that your application has been accepted.

Letter of application to amend its insurer risk

Good to know : your insurer may offer you a modification of your contract, but you can not impose it. If you refuse, he must keep the terms of the contract as is. However, if you do not answer it within 30 days, it may terminate the contract.

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In case of dispute: possible termination by the insured and the insurer
If decreased risk : the insured may request the termination of his contract if the insurer refuses to reduce the contribution: termination shall take effect one month after receipt of the letter requesting the insured.
In case of increased risk , the insurer may:
terminate the contract;
propose an increase in the annual fee (validated by an addendum or by signing a new contract). In case of refusal, your insurer may terminate the contract after a period of thirty days.
Good to know : according to Hamon Act of March 17, 2014, in case of unilateral termination, the insurer must prove the grounds for termination.

Secondary residence insurance
You own a cottage or a cabin in the mountains? The secondary residential home insurance is not mandatory ... but strongly recommended, especially for compensation in case of theft!

It also happens to be a tenant of a second home. The only difference with the assurance of his principal residence will guarantee domestic liability absent a contract of second home (to avoid double billing).
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Home Insurance - Second Home
Home insurance second home is defined by:

specific guarantees;
2 ways of getting your benefits;
specific clauses (exclusions, limits, deductibles, etc.);
a higher cost than a principal residence.
Essentials of a second home insurance coverage
When you own a second home, some home insurance guarantees are essential. This is the case:
warranty property damage:
Covers your belongings and your home in case of fire, explosion, water damage, natural disasters, etc.
Your insurance company may require you to purchase additional insurance in case of aggravated risks: flood, avalanche (depending on your second home: Chalet house beside a river ...).
theft guarantee:
special attention should be paid to the conditions of implementation of this guarantee: everyone knows the specific risks of a second home: no regular supervision, lodging sometimes isolated ignorance of its neighbors (not to astonish you " move out "without telling them ...)
risk "aggravated" for the insurer calls for: bonds flights protections, limitations or exclusions of coverage for certain property (paintings, jewelry ...) clauses inhabitation (sometimes from day to some property ...
Good to know : the guarantee of family Liability (RC) is not absolutely necessary (and very rarely offered) if you have ever had a multi-risk home for your primary residence. The RC is not tied to your home, but to the insured person.

Home insurance: compare quotes

Two possible second home insurance policy
When you enter into your home second home insurance, your insurer will offer two options of contract:
a simple extension of your contract of principal residence;
a specific contract (with the same insurer in general): the casualty secondary dwelling for example, or MVP (Multigaranties privacy). Sometimes it is also possible to subscribe to a local insurer (close to the address of your primary residence), to be precise knowledge of the risks that your property is exposed (eg flooding). Note that for Corsica, because of the risk of attack, sometimes you have no other choice but to purchase coverage on site.
The terms of the secondary home insurance: be careful what your contract provides
To avoid unpleasant surprises in case of emergency, well compare your contract before signing up:

What is the amount of the secured personal capital (often much less guarantee that the furniture of your principal residence)?
The art objects are guaranteed?
What are the risks covered by my insurance?
What specific action with respect to the operation guarantees? (Cut the water meter on extended, put "frost" absences winter ...). Failure to comply with these measures often leads to lack of collateral.
Note : The lightweight leisure dwellings (HLL) and Mobile Homes are often second homes. Because of the specific risks of this type of housing, you must tell your insurer this feature. It will offer guarantees appropriate.

Cost of home insurance: more expensive than your principal residence
The vacancy of your second home is much larger than your primary residence, theft risks are compounded.

It is the same on all claims. In case of storms or natural disasters, provisional safeguard measures are often later ... result: the insurance premium is often much more expensive.

We can if you wish, put you in touch with one or more experts in home insurance. They will offer you a free, no obligation quote.

There is not a moment to terminate a contract of property insurance as evidenced by the numerous articles of the Code of Insurers that are devoted to this subject. In general, all policyholders expect the same time to perform their termination: the anniversary date of their contract. But in some cases, therefore, no need to wait for the expiry of the contract to terminate. There are several other occasions.

Termination home insurance: when?
You have two months to cancel your insurance after your insurer will have recalled the term of your contract. If it does not remind you of that date, you are entitled to withdraw at any time after the Chatel law.

But you also have the option to cancel your contract before its term in many cases (see: Article L 113.16 of the Code of Insurers):
- change of residence,
- change of matrimonial regime
- change profession
- retirement or termination of employment.

Then you must cancel within three months of the change in circumstances, by sending a letter of termination by registered mail with acknowledgment of receipt.

Always according to the Insurance Code, you can also cancel your home insurance policy if your insurance premium increases unreasonably or if your insurer does not take into account the reduction of risk in the amount of your premium habitat insurance (Article L 113.4).
example, through infrastructure improvements, your home goes a flood zone to a non-flood zone. Your premium should logically fall: If your insurer denies you that right, you can leave.

Termination home insurance: special cases
Please be aware that the insured is not only entitled to terminate his home insurance policy: Your insurer also has rights! And it can also terminate the contract at maturity without your agreement. Especially if you have suffered many losses in previous years. In this case, it will send a letter of termination, then you will have two months to find another insurer.
better to avoid this situation, however, once terminated by an insurer, it will be very difficult to attract a new, because all of a sudden become very suspicious.

Also note that if such termination at the initiative of the company comes after a default on your part, the termination will be effective one month after receipt of the letter from your insurance company.
This is even though the termination of your insurer intervenes after a major disaster, your insurance premium increases and you refuse this new tariff. But then you have the option to terminate the other insurance contracts you had with him.

In case of inheritance, know that home insurance is automatically renewed as evidenced by the article L 121.10, but you are obviously in the right to terminate, under the same conditions as those mentioned above.

Do you own a property that you rent or you plan to rent? As you'll see for yourself by reading this article, the unpaid rent insurance is essential, it can avoid many of the concerns when the tenant n is no longer able to pay her rent.

General information about unpaid rent insurance
The unpaid rent insurance are not part of the home insurance category : it is a type of coverage in itself. This guarantee is to purchase extra, it is not included in the apartment insurance or traditional home insurance.
As its name suggests, with the unpaid rent insurance you are compensated when your tenant does not honor rental payments. Beware though, this compensation is a limited time period. When you subscribe to such a product, you build up capital through monthly payments you make. Part of this capital is paid to you in case of default by the lessee. At the year, unpaid rent insurance costs on average between 2 and 4% of annual rent (including utilities). But it comes back to you a little cheaper since contributions can be deducted from taxes.

What is covered by the insurance unpaid rent
The unpaid rent insurance also covers damage caused to the property by the tenant. It also takes into account the legal costs that may be incurred against the tenant. But for the policy covers unpaid rent, the tenant is solvent, that is to say, CDI and the amount of salary that is three times the amount of rent. If these two conditions are not met, then a surety may be requested from the tenant. This will usually a parent or relative who agrees to pay the rent for a breach of the tenant, which itself has the means to pay. Otherwise, the insurer will not guarantee the unpaid rent. should then be checked the resources of a candidate before choosing as a tenant.

Finally, it is good to know that vacation rentals are not included in this type of insurance. In this case, only the bail could possibly save you. You can also subscribe to legal protection, you will at least defend yourself without charge.

Unpaid rent insurance: Additional Benefits
Other safeguards are optional, so the owner is more covered on other risks that non-payment of rent. In general, therefore, the unpaid rent insurance is supplemented by other financial securities. This is particularly the case of the "holiday rental" insurance intervene to reimburse the owner in case he would not find a tenant at the start of the former tenant. But this compensation is necessarily a limited time. You should get information on the number of months you are covered by closely examining the various fonts that are offered.

Finally, you can also count on the insurance " Non Owner Occupant "that will cover you, the owner, in case of important traditional disaster : fire, water damage, etc. on the walls of your property. Insurance contracts are numerous and offer different guarantees. It is therefore appropriate to ask about the various contracts that are available for homeowners to choose the one that best suits your needs.

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