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HOMEOWNERS INSURANCE: Definition, Benefits, Rates, Companies?


You do not have to buy home insurance as the owner of the dwelling in which you live, but it is strongly recommended to ensure liability, and choose a comprehensive home that will cover you against fires, explosions, damage water, theft, storm, natural and technological disasters.

Examine what is included in the warranty and what is not, especially calculate the amount of compensation that you would collect by deducting the franchise and the age, in case of problems.

Here are our tips to buy home insurance for homeowners .

1. Ensure to others
2. sure your personal property
3. Consider theft guarantee
4. Consider climate warranty
5. Examine the franchise and the rate of obsolescence
Sure for others TOP

This is called liability (RC). Its purpose is to compensate others for any damage caused by:
you, members of your family and the people who live with you;
pets and those you care;
fire, water damage, explosion coming to you;
your items and those you care.
Good to know : for this purpose, the "third neighbor and" guarantee should appear on your home insurance policy.

Make your personal property TOP

A casualty housing contract offers this possibility, but check the following points:
What is included . Everything should be compensable:
furniture, electrical equipment and appliances;
property in him-even: frames, walls, roof framing;
decorations: paintings, wall coverings, floor coverings, embellishments.
The conditions :
water damage.
Think of the guaranteed flight TOP

Most insurance policies include a comprehensive home to. However, you are well advised to consider the following points.
What is covered?
There must be:
The "sensitive" objects : this is what a burglar picks first home: TV, video, hi-fi, camera, computer, scanner, printer. Accessories are they also covered?
The furniture says "current" : it includes appliances other than those classified as sensitive, but also clothing and linens.
Vandalism caused by burglars.
Good to know : the jewels and valuables are often the subject of warranties.

Under what conditions?
Make sure that these conditions are present burglary:
Burglary : such a clause sometimes implies that you are equipped with secure locks.
Flight Smuggling : there may be a burglar introduce to you without your knowledge while you are there.
Robbery with use of false keys , real stolen or lost, picking key.
Theft by your attendants : maid, caretaker, gardener, repairman, etc.
Consider the following conditions:
Flight by climbing local : This clause is useful if the thief climbed to the floor and is introduced through a window without breaking.
Flight with threats or violence upon the person , if you open the door to a visitor who then requires you to give your credit card under threat, it is not a burglary, the guarantee may be useful.
Consider climate warranty TOP

Storm warranty
Check that the clause guarantees "storm" is present in the contract, because it will allow you to finance repairs to your property following the devastation caused by a storm.
Natural and technological disasters
Insurance contracts' comprehensive home "often include a guaranteed "natural and technological disasters" .
Franchises are set by the State , but may be increased if the place where you live is in a danger zone.
Examine the franchise and the rate of obsolescence TOP

Attention to the franchise
Each guarantee a home insurance policy is governed by its own franchise, for the amount you must pay out of your pocket.
The question to ask yourself is: "Is it worth the trouble to pay a more expensive fee to get a lower deductible? ".
Find the right balance between risk and the amount of the deductible.
Good to know : we are not part of an auto insurance policy where best to direct you to a low deductible because you run less risk of fire in your home than risk an accident on the road.

The rate of decay
It corresponds to the depreciation of your items due to their age.
Read your insurance policy "comprehensive home", it tells you how you will be reimbursed:
At the used value : this corresponds to the replacement value minus the rate of decay. You will have to pay the difference from your own pocket, in addition to the franchise.
In the replacement value: this corresponds to the replacement value, so you do have to pay the deductible.

Home insurance can not be canceled by following a defined by the Insurance Code, a process approach that happens to be in favor of the insured more than the insurer.

That said, the insurance company is entitled to make a call premium if you did not follow the process, even if you are no longer covered by warranty.

Here are our tips to cancel home insurance .

1. Case 1: Cancel your home insurance out of contract
1. Case 2: Cancel your home insurance during the contract
2. Tap the excess contribution
Case 1: Cancel your home insurance out of contract TOP

Your insurance company must send you a " renewal notices "between three months and 15 days before the end date of your contract.
Cancel your contract
You then have 20 days to let him know that you really wish to cancel your insurance.
Send a registered letter with acknowledgment of receipt , stating your policy number, your name and your address.
See our letters to download: All types of termination letters home insurance
Important : the dispatch of mail is authentic.

Consider notice
All home insurance policy includes a notice generally ranging from 2 to 3 months.
To calculate the end date of insurance:
date of dispatch of letters + termination notice period.
Example : take a home insurance policy with a notice of two months ending March 9, the termination letter was sent on February 20. Coverage will end on April 20, and the fee will be due before.
Case 2: Cancel your home insurance during the contract TOP

The Insurance Code allows you to terminate during the contract under certain conditions:
Decreased risk with your insurer refusing to lower your premium (Article L 113.4).
Event causing a change in the risk insured (article L 113.16) marriage, divorce, moving, etc.
Send a registered letter with acknowledgment of receipt to your insurance company, and told him that your policy number, your name, your address by adding a description of your letter patterns, this can be:
decreased risk with your insurer refusing to lower your premium (Article L 113.4) termination shall take effect 30 days after the date of dispatch of mail;
an event that will change the risk insured (article L 113.16): You have a period of three months from the date of the event to end your home insurance, the termination takes effect one month after the date of receiving mail.
Example : moving on June 15 led to the departure of your apartment to a house. The risk is different, you want to cancel your insurance and send it to a June 25 letter to your insurance company (you have until September 15 to do so). Your insurance will terminate on July 25.
See our letters to download: All types of termination letters home insurance
Tap the excess contribution TOP

Your insurer must refund your fee in proportion to the days when you were insured.
Example : take our example home insurance with 2 months notice ending March 9, the termination letter was sent on February 20. Coverage will end on April 20, which means that the insured had to pay the annual fee. Since it was covered as of 10 March to 20 April, during 42 days, the insurer will reimburse 323 days of contributions (365 days - 42 days = 323 days).

The condominium is exposed to a number of risks that it is prudent to guarantee. The law requires the condominium association to obtain insurance against the risk of liability which he must answer. How organized a condominium? Require? Each owner must ensure it personally?
Condo Insurance | Home Insurance | water damage | damage work | Fire | Liability
And condominium insurance
The organization of the condominium
The insurance contract of the condominium
The insurance co
Non-life insurance work
The organization of the condominium

What is a condominium?

A condominium is a property whose ownership is divided among several people. The system of joint ownership is organized by the law of 10 July 1965.

Real estate properties including land, housing and public and independent houses built on the same property may also be subject to the rules of the condominium, if the owners did not choose another management system (trade association) installations.

Public and private areas

Condominiums are divided into parts that are:
common , when the ownership of all co-owners and for everyone's use: roof, walls, stairways, hallways, floors;
private , when they belong to a single owner and is reserved for its exclusive use.

The rules of the condominium usually determines what is common and what is private.

The principles of operation

The building regulations defining the rights and obligations of owners and the operating rules of the condominium.

The organization of the condominium is built around different organs.

The condominium

It consists of the co-owners. It is a legal person separate from those of its members who has rights and obligations. It administers the common areas, ensures the preservation and maintenance of the building and defense of collective interests. The union can, by itself, be responsible for his actions. Condominium corporations are obligated to ensure their liability.

The union council

This is the representative body of the condominium with the trustee. He is primarily responsible for ensuring the proper execution of the mission of the trustee and assist in decision making.

Members of the union council are responsible for errors or negligence in the performance of their duties. To ensure accountability of each member of the union council, an extended warranty can be purchased in addition to the insurance policy of the building.

The General Assembly

The general meeting is the organ of expression of the condominium. It allows them to take any decision relating to the management of the building: maintenance, heating, management, debt collection, choice of trustee, etc.

The union holds a general meeting at least once a year.

The trustee

The trustee, professional or volunteer is appointed by the General Assembly. It is mandated to manage the condominium ownership on their behalf, according to the instructions passed by the General Assembly. The duties of the trustee acting on different positions: financial, work and maintenance, administrative and legal. As such, it's role is to underwrite insurance policies relating to the condominium.

Professional trustees are subject to compulsory insurance of professional liability.

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The insurance contract of the condominium

Two provisions necessary
The insurance contract must state that the insurance company that covers the condo will not turn against the owner or manager of a claim against the trustee. This clause may be extended to all building occupants (eg, renters).

The co-owners must be considered by the insurance contract as third them for damage to the property of one of them. Otherwise, the insurer would not intervene because the liability coverage does not cover damage to the insured. However, in group insurance, each co-owner has insured status.
Most condominium regulations require the trustee to provide insurance for the condominium. This insurance is specifically designed to ensure the damage to the building and civil liability for the condominium.

The damage to the building
The fire , lightning, explosion , including damage caused by smoke and fire.
Water damage : ruptures, spills, accidental leaking pipes or appliances not underground effect of water seepage through roofs, indoor freeze pipes, overflows or payments containers.
The storm , hail and snow on roofs : insured against fire, condominium automatically benefits from a guarantee against the storm.
Natural disasters (flood, earthquake, avalanche ...) and acts of terrorism. All property insurance contracts must cover property damage from these events.
Technological disasters : the damage to real property for residential purposes are necessarily compensated stopped when a technological disaster is taken.
Theft : the property damage caused by burglars and sometimes the consequences of theft of keys assigned to guard a co-owner.
Broken windows : windows, mirrors the common parts of the building, glass walls that serve as separation between adjoining balconies ...

In addition to fire and water damage guarantees, insurers often provide:
Loss of use: reimbursement of costs required to relocate if, after a disaster, it is impossible to continue living in the premises;
payment of the fees of the expert chosen by the insured (usually up to a percentage specified in the contract, the amount of damages);
electrical damage to devices by a power surge;
costs excavated rubble;
research costs for water leaks.

The proposed coverage by insurers is more or less extensive depending on the contract. Some only ensure public areas, others include the units.


Liability of the condominium

Liability of the condominium, that is to say, all co-owners, is committed to the third and each co-owner in the event of an accident caused by:
Buildings (fall of a tile on the way, slide a tenant on a worn stair ...) it is useful that the contract mentions the existence of an elevator or outdoor installations (antenna, fence, garden);
people used to service the building.

The personal liability of owners

The insurance of civil liability of owners is required.

Liability of condominium

The union may be held liable in respect of the owners or third parties for damages that they may suffer on their private estate parties or on their personal items after a fire, explosion or damage water resulting from faulty construction of the common elements or their lack of maintenance.

The law requires the condominium to insure against liability risks which it is responsible.

Comprehensive insurance condominium generally guarantees the liability of the union. The trustee must, however, verify, because a union insurance default constitutes misconduct in the execution of its mandate.

Liability of trustee

Only professional trustees, as opposed to voluntary trustees are required to have insurance. But the union has the right to make the choice of volunteer trustee to proof of insurance professional liability.

The legal protection insurance

It covers, in the wake of the events listed in the contract, the costs incurred by the condominium to recover the amount of damage suffered vicariously. It also guarantees the defense of the condo with the court, if a third party makes its liability. She did not play against a co-owner.

According to the contract, a guarantee of legal protection can be provided in the appendix. A specific contract may also be purchased.

Values ​​insurance

The reconstruction value deduced obsolescence

It should at least take into account the actual value of the property, that is to say, the price of rebuilding dilapidated deducted. In some contracts, the value is in capital. In others, it depends on the building and developed in its class surface.

Most insurance buildings are indexed; the trustee must periodically check the amount of guarantees and, where appropriate, to develop it. The co-owners may not be sufficient limited to the reconstruction value minus depreciation reimbursement.

They can then take out additional guarantees such as "replacement" or "indirect losses"

Replacement value

Replacement cost is the reconstruction value minus depreciation to which is added a percentage specified in the contract (not exceeding 25% of the reconstruction value). The building needs to be rebuilt at the same location within two years.

Warranty indirect losses allows the condominium to compensation upon proof of expenses and remaining dependents following an insured event losses.

The insurance co

The tenant is responsible for damage to housing for the duration of the rental. The law requires the elsewhere to ensure that responsibility and justify insurance upon arrival, and annually at the request of the lessor.
This obligation does not apply to vacation rental, or lodging house, or to staff housing or housing to households.
The owner has the right to include in its lease termination clauses for lack of insurance. It also has the option to purchase, under certain conditions, an assurance on behalf of the tenant's liability for recoverable rental risks with it.

The risks covered by home insurance casualty

Whether one is occupying co-owner occupant or not, the property and casualty homeowners insurance contracts offered by insurers are declined for every situation.

The co-owner's interest to make sure personally if it considers inadequate contract condominiums (it does not cover certain risks, it does not guarantee the units, the building is not insured at replacement value ...).

The insurance of civil liability of owners is mandatory, the owner must ensure personally.

The contents insurance

Co-owners and occupants occupants may not be covered by this warranty that covers the furniture but also the property damage.

Most contracts guarantee fire, lightning, explosion, storm, water damage, theft, glass breakage, damage to electrical appliances. Guarantees natural disasters, technological disasters and acts of terrorism are automatically included.

To ensure the furniture, two possibilities:
identify oneself capital guaranteed;
purchase rate guarantee: the amount is usually set according to the number of parts or the surface of the apartment.

The responsibilities of insurance co

Liability of owner occupier

The owner must ensure their personal capacity to ensure its responsibility:
our neighbors and third parties;
to the condo (but if group insurance of the building includes a waiver of appeal, no compensation will be payable);
to prospective tenants.

Liability of non-occupying co-owner

Non homeowner must ensure against risks for which liability to its tenants is likely to be sought, that is to say, in the case of defective construction, lack of maintenance or disturbance. These guarantees tenants use and disturbance.

Family Liability

It can be held liable for accidents caused to third parties as part of privacy by the owner or his spouse, their children and those in their care, the people working for them, their animals and those they keep , and the things that belong to them.

The warranty liability family covers all risks. In most contracts, the amount of the guarantee is unlimited for bodily injury and property damage limited to.

The comprehensive home insurance covers both the responsibility of the owner and family liability.

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Non-life insurance work

If the building is constructed for less than ten years, the owner benefits from the mandatory life insurance book signed by the builder or developer on behalf of future owners. This insurance guarantees for ten years including funding for the repair of large defects.

Achieving significant building work may require the purchase of a life insurance book by the trustee.
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This fact sheet is impacted by the recent legislative and regulatory changes. It will be supplemented and updated from the entry into force of the new provisions.

Guests: what to do in case of fire or explosion?
Factsheet , 23/07/2014
If you rent, know that insuring your personal property can be very useful. In case of fire or explosion in your home, your property, your own or those of your neighbors can cause severe damage ...
Home Insurance | Fire
Guests: what to do in case of fire or explosion?
Your property has been damaged
The property of your own or your neighbors have been damaged
Your property has been damaged

No law requires you to provide your personal property, but it is a necessary precaution to protect, not only in case of fire or explosion, but also in case of water damage, theft ...

You are assured

Whatever the manager and the circumstances of the claim, notify your insurer promptly (no later than five working days) Tell him:

your name,
the number of your contract,
the date of the fire (or explosion)
the cause of the fire (or explosion)
a description of the damage and a first estimate of the amount.

Put together a file

You must provide proof of damage.
do not throw anything (no burnt object)
collect all that can justify the existence and value of damaged invoices, warranty cards, photos ...

You are not insured

You will not receive compensation to the extent that your landlord or neighbor is responsible for the fire or the explosion. appeal against your landlord

Your landlord may be liable if the fire or explosion was caused by a lack of maintenance or construction of the building. Recourse against your neighbors

In case of fire: To receive compensation, you must prove that your neighbors have been at fault.
A burst: just to know from where the explosion and claim compensation neighbor concerned without have to prove the fault of the latter.
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The property of your own or your neighbors have been damaged

The expertise and compensation
In most cases, after a fire accident, the expert collects on behalf of your insurer, the elements of technical appraisal essential for assessing and settling claims. You will be compensated by your insurance company who then use against the third party.
The fire or explosion occurred at home and the property of your own or your neighbors were damaged. The law requires you, as a tenant, to ensure your responsibilities to your landlord. Insurance for rental risks that you have taken also covers your responsibility vis-à-vis your neighbors.

The owner may require you to give him a certificate of insurance upon arrival, and annually thereafter. Also be aware that lack of insurance is a cause for termination of the lease.

If you do not give him the insurance certificate, the owner can also take out an insurance policy for you and against you.
You are assured

Send all claims to your insurance company that will handle the follow-up.
You are not insured

Your obligations to your landlord

If you have not fulfilled the obligation of insurance, you shall indemnify yourself the owner for damage to the building, unless the fire was caused by:

to lack of maintenance,
to faulty construction,
in a case of force majeure (lightning strike ...)
Communication from the fire by a neighbor's house,
or that the explosion is not up to you. But it's up to you to prove it.

Your obligations to your neighbors

In case of fire : your neighbors have to prove that you made ​​a mistake for you to dédommagiez personally.

Explosion : your neighbors have the right to claim compensation from you, unless you prove that a third party was at fault, for example.
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Smoke detectors made mandatory in all residential premises in 2015
Before March 8, 2015, the owners will necessarily install smoke detectors in their places of residence, as well as goods they let.

In the case of a formal lease, the landlord must ensure the proper operation of the smoke detector at the time of the state of input tenant premises. The owner landlord whose property is already occupied by a tenant at the March 8, 2015 will provide a smoke detector, or shall refund the purchase.

It is up to the householder to maintain and check the operation of the smoke detector and shall ensure its renewal, if necessary, as long as the dwelling is occupied.

For vacation rental, furnished housing, staff housing and homes, installation and maintenance of smoke detector account of the owner.

The occupant must notify his insurer that covers fire damage from the slot to install a smoke detector.
What you should know about self detectors smoke alarms

Home Insurance: What to watch on your contract

To choose your home insurance , you must know the rule applied by the insurer to estimate your movable property the day of the accident . rule applied to estimate your household goods on the day of the incident is different depending on the insurer. The refund amount will be directly linked to this rule - the insurer may apply a dilapidated state, the amount depends on the age of the object at the time of loss. - The insurer may apply a dilapidated whose amount depends the age of the object at the time of loss and replace lost caused by the application of this dilapidated value by a compensation percentage. The higher this percentage is important, the better you will be refunded. - The insurer may reimburse you in "replacement value" : no decay is then applied. Warning! Insurers have their own definition of replacement value. It is necessary to check the definition of replacement value stated in the terms and conditions. On, to help you choose your home insurance, we indicate in our refunds the rule applied by the insurer to assess your personal property the day of the accident.

Home insurance: evaluation of its property

In assessing the amount of liquid capital to ensure you do the sum of the value of all your assets . If you do not know rate this amount, you can count on the order of 7500 euros per main room.

Home Insurance: Is it mandatory?

The home insurance is mandatory if you are renting an apartment or a house . Indeed, you are responsible to the owner for any damage you may cause to the apartment, home or building. The owner must be sure to be compensated for damage.
careful though, if you are renting a furnished apartment or if you occupy an official residence, you are not subject to this requirement. But the owner is not required to purchase insurance for their home . It is nevertheless advisable for owners to purchase at least one home insurance including liability guarantee for damage caused to third parties.

Home insurance: the various securities

1 Guarantees for Renters:

The "rental insurance" warranty is the mandatory minimum warranty that covers all damages caused by the tenant to the landlord .
's "neighbor and third" warranty is almost always made ​​at the same time guarantee "rental insurance" if water damage, explosion or fire occurs in your home and property damage of your neighbors, the insurer will reimburse them if you are responsible, within the limits of the contract.
With your contract of home insurance , you can ensure your furniture, valuables and embellishments made ​​at your own expense against fire, explosion, water damage, theft, terrorist attacks, riots, acts of terrorism and natural disasters ... 2 Guarantees for owners occupying a house: They can insure their property and their homes against the risk of fire, explosion, water damage, theft, disaster natural attacks, acts of terrorism, storms, ... Generally, homeowners insurance also covers : - your responsibilities to the property, the person of your neighbors and third parties: the guarantee "appeal neighbors and others " . - your family and civil liability "" as part of your privacy in case of bodily injury and property damage caused to third parties by yourself, your spouse, your children, who you are entrusted the people at your service, your pets and small ones in your care and objects that belong to you or in your care. When working in your home, or after a serious accident, you can benefit from guarantees: - Loss of use: the insurer pays you the rent of a similar house to yours for the duration of the work, - clearance costs: the insurer reimburses rubble removal and replacement of furniture . 3 Guarantees for owners occupying an apartment: They can take out life insurance to secure their homes against the risk of fire, lightning, explosion, water damage and theft: - your furniture and objects value, - the embellishments of your apartment (group insurance generally guarantees the walls). 's home insurance policies must include the guarantee of risks of natural disasters, storms, attacks and acts of terrorism. They also generally guarantee damage caused by hail, weight of snow on roofs. , you can secure your responsibility to your neighbors and others. assurance condominium necessarily guarantee public areas . It may also cover some of the units. The trustee is required to provide group insurance for condominiums to ensure public areas. This insurance must cover the risk of fire, lightning, explosion, water damage, theft, natural disasters, terrorist attacks, acts of terrorism, storms, hail and snow on roofs . It also covers the liability of the condominium responsible for accidents caused by buildings and people in the service of the building. 's owners must be considered third parties for them to be repaid if a disaster causes damage to their homes. Warning ! sure to check with your insurance as trustee of the condominium includes the following clauses: - waiver of liability, which prevents the insurance company from turning against the co-owners, or occupant of the apartment, responsible for a disaster. - guarantee against personal liability of each owner risk for damage to neighbors or others. - ensuring the co-owner for the damage to its tenants as a result of accidents caused by a defect maintenance or the age of the building. 4 Guarantees for proprétaires renting their property to third parties: Your tenant must take out insurance including "rental insurance" guarantee . This coverage pays for damages caused by the tenant to the owner. Even if you ask an insurance certificate to your tenant, the risk that is not adequately insured remains. Many insurers therefore have the potential to cover you as a non-homeowner. Additionally, group insurance underwritten by the condominium trustees also guarantees the owner for damages to tenants as a result of a loss suffered due to a lack of maintenance or the age of the building. 5 Guarantees for tenants of a holiday village: For owners, you can subscribe to the Vacationing insurance is when some of your assets are destroyed or damaged by a fire in your vacation rental, you will be compensated. Likewise, your insurer will indemnify in respect of the guarantee, the injury to your landlord if you cause a fire during your vacation.

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