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AUTO INSURANCE

HOMEOWNERS INSURANCE: Best Cheap Companies Quotes?

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Occupy a dwelling involves responsibility vis-à-vis others. Whether you rent or own, it is the responsibility to ensure that this is first and foremost. Then there are the options of own personal property that can be destroyed in the event of a disaster, which will be refunded only under certain conditions.

Choosing home insurance is to take the best coverage depending on the situation.

Here are our tips for choosing the right home insurance.

Summary
Case 1: You are renting an unfurnished accommodation
Case 2: You are a homeowner
Case 3: You rent unfurnished accommodation to others
Case 4: You rent a furnished apartment to others
Case 1: You are renting an unfurnished accommodation TOP

Compulsory insurance
Every tenant has the obligation to take out "rental risks" insurance , which aims to compensate the owner in case of fire, explosion and water damage.
This warranty will reimburse the costs of necessary repairs.
If the tenant does not take out insurance, the owner can replace it by purchasing insurance on their behalf. The cost of insurance is then recovered from the tenant.
Note : it is common for owners add a clause in the lease stating that the tenant must show proof of insurance risk rental before being hand over the keys, while lack of insurance resulting in the termination of the lease.

Develop a rental lease
The "third neighbor and" guarantee
The "rental insurance" coverage allows compensation to the owner, but not neighbors or passersby.
However, in case a fire breaks out in your home and spreads to your neighbors, or causes damage to objects belonging to others, you are responsible and must pay.
The presence of the "third neighbor and" guarantee allows compensation for damages suffered by individuals and legal entities other than your own, for any object belonging to you or that you care.
Warning : the "third neighbor and" guarantee is not mandatory, it should check that it is present in home insurance.

Guarantee "comprehensive home"
Insurance "rental risks and claims by neighbors and others" do not permit recovery for your personal belongings in case of disaster. As follows:
if water damage occur among visiting all your good throwing furniture, you will have to buy more and pay from your own pocket;
if a disaster occurred in your neighbor damage your personal property, her own insurance will compensate you.
Guarantee "comprehensive home" allows you compensation in connection with the value of what you lost, following the damage.
Note : most of the time, insurance contain a comprehensive home rental insurance guarantee, warranty appeal to neighbors and others, as well as coverage on personal property, and are in fact a "turnkey" solution for the tenant.

Case 2: You are a homeowner TOP

You are considered a homeowner from the moment you do not rent the property to others. Owners of primary and secondary residences are owner-occupiers.
Take out home insurance
Unlike the tenant, you are not required to provide you, yet you remain liable for damages suffered by others, after declaring a disaster at home.
The solution is to buy insurance "comprehensive housing for homeowners" , which will give rise to compensation:
to others, for any damage suffered by a sinister left your home: water damage, fire, explosion;
your personal property for the same reasons;
your property, always for the same reasons.
Case 3: You rent unfurnished accommodation to others TOP

As a non-homeowner, you are not required to purchase a specific home insurance. However, you are still responsible for damages caused by defects in materials or lack of maintenance to:
your tenant;
neighbors and others.
2 provisions are required:
Guarantee ' use of tenant "that will compensate if your tenant has suffered damage due to faulty construction or maintenance.
Guarantee ' neighbor and third . "
Case 4: You rent a furnished apartment to others TOP

This case is more complex, as the tenant of a furnished apartment is not required to purchase a "rental risks" insurance, especially if it is for seasonal rentals.
So the owner to ensure that:
" On behalf of whom it "is a comprehensive home that you buy yourself for your tenants.
" Liability Waiver "in which you agree not to hold your tenants responsible for damage to your building. This guarantee will help you more easily rent.
" Comprehensive Housing ": it covers damage to movable and immovable property and the damages suffered by others.

Declaring a natural or technological disaster
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Declaring a natural or technological disaster
If you have a "comprehensive home insurance," you're covered against the risk of natural and technological disasters.

When one of these events occurs, you need to report to your insurance company, which will trigger the guarantee since the publication of the declaration of disaster in the Official Journal.

Good to know : If you do not have a comprehensive home insurance, in case of technological disasters you have the ability to turn to the Guarantee Fund compulsory insurance, which will compensate you for your property damage up to € 100,000 .

Here are all the steps to declare a natural or technological disaster .

Choosing home insurance

Summary
1. After the occurrence of the disaster
2. Report the claim to your insurance company
3. reaction from your insurer
1
After the occurrence of the disaster TOP

Do not touch anything!
Your insurance company will send an expert to certify the damage. not touch anything before it passes because it will itself see the damage in order to assess the amount of your compensation.
Note : there is no necessary expertise when the amount of damage caused by a technological disaster is less than € 2,000.

Assess the damage
As much as possible, get a quote by professional building and gather invoices for goods destroyed.
Otherwise, make a list of materials and an estimate of the value of damaged property damage.
These two lists are very important because you will send to your insurance company with your claim.
Good to know : It is recommended that you scan all invoices and load them on a remote server in order to gather evidence when needed.

Take photos and videos
As much as possible, take pictures and videos showing the best possible extent of damage, they will serve you especially if you want to challenge the expertise.
Challenge expertise
2
Report the claim to your insurance company TOP

If technological disaster
You have 5 days after the occurrence of the event to send your claim to your insurance company, the date of dispatch authentic.
Note : unlike the case of natural disaster, it is not necessary to wait for publication in the Official Journal.

In case of natural disaster
You have 10 days from the date of issuance of the ministerial decree declaring natural disaster to send a claim to your insurance company, the date of dispatch authentic.
Note : Nothing however prevents you from sending your return before the publication of the decree.

Send the return
Gather in the same letter:
a letter explaining the circumstances, including the date, time, place of the event;
the list of damages;
assessing the value of the damaged property;
your insurance policy number;
photos and videos that you have taken.
3
The response from your insurer TOP

Expertise
Your insurance company will send an expert, whose mission will be to certify the damage and assess the damage.
Once the inspection is complete, you give a copy of the minutes of expertise.
The provision for compensation
Whether technological or natural disaster, your insurance company must pay you an allowance of compensation:
Under the two months following your return.
Under 2 months of the publication of the decree in the Official Journal, if your statement was sent to him before.
Compensation
Your insurance company has 3 months to pay you all of your compensation.
Good to know : There is no deductible in the event of a technological disaster, and in the case of a natural disaster, the maximum deductible is determined by decree.

Note : if you do not agree with the decision of your insurer, you have the option to initiate a challenge procedure amicably.

The "unpaid rent" insurance
The "unpaid rent" insurance
Factsheet , 07/03/2014
There are various forms of insurance to secure rental income property owners.
They help protect landlords hazards rental investment: According to previous insurance, they may cover unpaid rent, property damage, litigation related to the implementation of the lease ...
Contracts "unpaid rent" insurance

Insurers offer contracts "unpaid rent", which can be purchased:
through a real estate professional (usually property manager) who has joined a group contract, which is entrusted with the management of the housing;
individually by the owners who manage their properties themselves.

The goods covered by insurance "unpaid rent"

Contracts are available for premises used for residential or mixed and sometimes for leases liberal professionals. In contrast, seasonal rentals, staff houses, dwellings used as second home, commercial premises, craft or rural and unsafe buildings or in a state of peril are not normally covered by these contracts.

Insurance "unpaid rent": insurance risks

The extent and nature of the guarantees vary from one contract and insurance companies. Contracts may include in particular the following guarantees:

rent payments, expenses and taxes due from a defaulting tenant;
the management of the occupancy fee charged to the tenant by the judge when the termination of the lease is pronounced judicially;
Regulation of rents which payment is suspended when the judge grants payment terms to the tenant;
litigation costs related to the collection of rents;
litigation costs related to the management of the lease;
payment for damage caused by the tenant and recognized his departure and payment for loss of rent during the time required for executing the work supported;
loss of income therefrom unleased after the departure of a tenant;
payment of the amounts owed by the tenant when he leaves without notice or upon death.

The conditions for compensation

Each proposed guarantee is conditional compensation vary contracts and insurance companies: compensation limits, deductibles, duration of the warranty conditions for triggering guarantees and proof required. It is therefore useful to compare the proposed contracts.
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See also
Rental risks: a guarantee for owners

Rental risks: a guarantee for owners
Questions / answers , 27/05/2013
Guarantee risks (GRL) ensures owners rent payments and to facilitate access to rent as many tenants.
unpaid rent insurance | grl
Rental risks: a guarantee for owners
What are the objectives of the GRL?

The aim is to improve access to housing by securing landlords and tenants face the risk of default. This is a simple and accessible single device.

Under the auspices of the government, the FFSA and GEMA, and the social partners Action housing (1% housing, for example) have established a common set of safeguards to cover the risk of default of all tenants without discrimination.
Guaranteed by the GRL? What are the eligible tenants?

The common base warranty rental risk guarantee unpaid rents, real estate and litigation costs and management covering damage.

It applies to the main living accommodation, the amount of rent, utilities included does not exceed 2,000 euros. Unpaid rents are covered in a ceiling of EUR 70 000. If the housing has been damaged by the tenant, the cost of rehabilitation are supported within the limit of 7,700 euros (including VAT).

All tenants are eligible, regardless of their employment contract (CDI, CDD ...) when their effort rate (rent / resources ratio) represented by the rent utilities included, does not exceed 50% of their resources .
Who can take the GRL?

All private landlords are free to take such a guarantee. Contributions freely determined by insurers based on the amount of rent and folders, are deductible from property income donors.
From which the LRG subscribe?

Insurers are free to join or not this device.
Each insurance partner of the device offers an insurance contract with LRG label at least the guarantees of the common core and possibly additional optional coverages (vacancy, legal protection of the lessor, ...).

Each insurer applies Rate it considers suitable for this product. The specification merely requires that the same rate is applied to this contract, regardless of the level of effort of the tenant.
Donors wishing to benefit from this insurance can contact their insurance agent or their usual (property manager, insurance broker ...)
What other possibilities are not eligible for the GRL owners?

If the tenant of the landlord or housing does not meet the eligibility requirements of the GRL, the owner lessor retains the option to subscribe to a different type of insurance contract.

The sweeping of chimneys and insurance
Questions / answers , 03/21/2014
Your property and casualty insurance home you he covers in case of fire due to a chimney fire? The sweeping of chimneys is it mandatory? What are the obligations of the owner, lessee or trustee when using a fireplace? ... Some useful information to enjoy a carefree fireplace during periods of extreme cold.
fire
The sweeping of chimneys and insurance
SUMMARY
My casualty insurance home he covers me in case of fire?
Sweeping is it mandatory?
How sweepings per year should I expect?
Who is responsible for chimney cleaning?
My casualty insurance home he covers me in case of fire?

Yes, the damage caused by fire to the property insured are covered by fire insurance within the comprehensive home insurance contracts.
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Sweeping is it mandatory?

Yes, the chimney sweep is mandatory. Failure sweeping a contravention punishable by a fine of up to third class 450 euros.
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How sweepings per year should I expect?

The health regulations of your department can help you. It is expected there are generally two sweepings per year for chimney operation, including one heating season. You can read the provisions of the health regulations of your area by going to your local city or prefecture.
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Who is responsible for chimney cleaning?

Learn more about the obligations of the landlord and tenant
In principle, sweeping up to the user of the chimney.

Do you own your home:
it's up to you to keep the chimney.

If you own property that you rent and you allow your tenant to use the fireplace:
you must make sure to reflect any change of tenant, the clean condition of the ducts.

You are a tenant:
all minor repairs and routine maintenance repairs are your responsibility (Decree 712 of 08/26/87). Sweeping flues is a rental expense generally recalled in the lease. The owner landlord may charge to sweep the chimneys. In all cases, the costs incurred are your responsibility.
You live in a condominium:
the building regulations may prohibit any fire in the units. Sweeping ducts serving a collective heating must be done as often as necessary and at least twice a year. This is usually the trustee in charge to have it done.

Home insurance: the insurance of a student housing
Questions / answers , 27/08/2014
At the start, many students who move into new housing. How do they make? To what risks? What steps should they take in case of a disaster? Presentation of the main points to be reckoned eight questions and answers.
Student Insurance | Home Insurance
Home insurance: the insurance of a student housing
SUMMARY
During my studies, I rent an unfurnished apartment. Do I have to make sure?
I will live in shared with a friend in an unfurnished apartment. How to ensure this property?
During my studies, I live in a hostel accommodation. Insurance is mandatory?
Should I insure for accidental damage I might cause to my neighbors?
Do I have to insure my property?
What insurance policy should I purchase to be sufficiently covered?
I'm about to take out an insurance policy for my apartment. What are the things to check with the insurer?
Disaster, what should I do?
During my studies, I rent an unfurnished apartment. Do I have to make sure?

Rental risk insurance is mandatory if you are renting an unfurnished apartment. Indeed, you are responsible for maintaining your responsibilities to the owner. This mandatory insurance covers damage to the owner.

So you need insurance to cover the rental risks of fire, explosion and water damage from the insurer of your choice. You must provide proof of such insurance at the keys. Your landlord has the right to charge an insurance certificate each year. Be aware that the law allows him to include in the lease a termination clause if the tenant has not purchased insurance.

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

However, this insurance does not cover damage caused to neighbors and third parties and damage to your property.
So you have an interest in ensuring you for the damages even if these guarantees are not required.
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I will live in shared with a friend in an unfurnished apartment. How to ensure this property?

The principle is the same as when you are the sole tenant of an unfurnished apartment. Each tenant must ensure mandatory for damages to the owner.
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During my studies, I live in a hostel accommodation. Insurance is mandatory?

It is not mandatory to insure a residential home, a furnished rental or seasonal. But be aware that even if the insurance is not mandatory, you are responsible for any damage you may cause to the owner. It is best to make sure. The landlord may also ask you to ensure your rental risks without any legal obligation. We must therefore always check this in the lease.
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Should I insure for accidental damage I might cause to my neighbors?

This insurance is essential even if it is not mandatory. Know that insurers always guarantee complete tenant liability with a said neighbor and third insurance.

Warranty claims by neighbors and third covers your liability as occupier of the premises as a result of a fire, explosion or water damage will have been incurred. Know that if you are a manager of a water damage day, an explosion or a fire in your home, your neighbors or other victims can seek recourse against you.
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Do I have to insure my property?

You are not required to insure your property, even if it has some merit. In general, if you have purchased a property and casualty insurance, your belongings are covered.
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What insurance policy should I purchase to be sufficiently covered?

In practice, insurers offer residential and casualty insurance contracts covering both responsibilities and personal property of the tenant.
Included in personal property provided:
furniture (furniture, appliances, clothing ...);
embellishments that the tenant has done: paint, wallpaper, false ceilings, plant a kitchen or bathroom ...

The comprehensive home insurance always covers the following guarantees: fire, natural and technological disasters, storm, water damage and attacks. Other safeguards are optional theft, glass breakage, damage to electrical appliances. Thus, the comprehensive home insurance contract used to adapt the contract to your specific needs while multi guarantees.
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I'm about to take out an insurance policy for my apartment. What are the things to check with the insurer?

Fill precisely the proposal that is given to you by your insurer. Know that any inaccuracies in your answers, you may be less compensated, if at all.

For its part, the insurer will give you:
an information on prices and guarantees sheet;
A copy of the draft contract and its annexes or a detailed information leaflet.
With these documents, you can check out:
benefit limits (for a list of risks that are not covered, for example);
deductibles;
the law and the competent bodies in litigation;
triggering the guarantee for contract liability (tripping the harmful or complaint).
Feel free to ask your insurance information on preventive measures to respect for the guarantees theft or water damage play.
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Disaster, what should I do?

Disaster, you must notify your insurer within five working days.

In case of theft, this time is reduced to two working days, and many contracts require that a complaint was made to the police.

Tell him your policy number, date and nature of the loss. You should also describe the damage and whether any damage has been caused to your neighbors or the building.

If, as a result of a disaster, your landlord or neighbors look to you, send letters and, where appropriate, the assignments (which you keep photocopies) to your insurer, indicating to each address , the number of your insurance and references of loss reinsurance.

Casualty Housing guarantees the tenant
Factsheet , 09/04/2014
The tenant is responsible for damage they cause during the term of the rental housing. So must it take out home insurance.
Home insurance | insurance theft | water damage | fire
Casualty Housing guarantees the tenant
Rentals are not subject to compulsory insurance
The occupants of the vacation rental, second homes, furnished, sheltered housing and staff housing are not required to have insurance. They still interest in making sure to cover their liability and protect wealth.
The vast majority of housing is secured by property and casualty homeowners insurance contracts. These contracts always cover certain events such as fire, explosion, water damage, natural disasters, technological disasters, storms and attack. Other events are also commonly covered theft, broken windows, damage to electrical appliances ...

Furthermore, the comprehensive home insurance contract:
covers the responsibility of the tenant to the owner for any damage it might cause to the leased property;
also includes additional benefits that cover the tenant's property and its responsibility to its neighbors and others.

Ensure the responsibilities of the renter to owner

The comprehensive home insurance covers the responsibilities of the tenant and its landlord, for example in case of fire damage, explosion and water damage. The insurer will compensate the owner for damages for which the tenant is responsible.

Uninsured but responsible tenant is liable to compensate the owner personally.
The landlord may require the tenant to provide him a certificate of insurance at the keys, and annually thereafter. It also has the right to include in the lease a clause to terminate the contract for default insurance. However, it can not force the tenant to apply to a particular insurer.

If the tenant does not call him the insurance certificate, the owner can take out an insurance policy and turn against the tenant.

Ensure the responsibilities of the tenant's neighbors and third

The comprehensive home insurance usually includes a "neighbor and third" guarantee. This warranty covers the responsibilities of the tenant towards its neighbors and others. Indeed, they may have recourse against the tenant if they have suffered damage:
as a result of water damage or an explosion occurred at home;
following a fire that originated in him and he is responsible.

Ensure the tenant's property

The comprehensive home insurance usually covers the tenant's property:
furniture, that is to say everything in its housing: furniture, clothing, appliances ...
embellishments made by the tenant: paintings, wall papers, false ceilings, plant a kitchen or bathroom ...
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Some things to check with the insurer
deductibles and sums insured;
inhabitation period beyond which the guarantee flight is suspended;
security measures to be taken under the guarantee water damage in case of inhabitation during freezing;
persons whose liability is insured by the contract.
Read also on ffsa.fr
Home insurance: the insurance of a student housing
And condominium insurance
The contract guarantees comprehensive home
Moving insurance
Owners: What to do in case of fire or explosion?

Home insurance: broken by the resident window

Generally, breaking windows resulting from any accidental events is covered by your home insurance .
For more details, you can refer to "Glass breakage" of your terms.

Home insurance: damage caused by a pet

Typically, damage caused by your pets small are covered by your home insurance, even when they are in the custody of a third for free. however, the damage caused by horses, wild animals, even tame, domestic large animals, are often not supported.

Home insurance: burglary with open window

Depending on your home insurance policy, the absence or non-use means of protection required will have an impact on the amount of compensation paid by the insurer. Several cases can arise: - deprivation of theft guarantee. In this case, you will not be compensated. - reducing the amount of compensation paid by the insurer. - payment of all of the compensation by the insurer This is stated in paragraph "theft" of the general conditions your home insurance policy.

Home insurance: fire following the failure of a device

Typically, a fire that originated inside an electrical appliance is covered by your home insurance.
However, the guarantee of the electrical appliance himself is often the subject of a specific security called "damage electrical appliances. " For more details, you can refer to "fire" the general conditions of your contract of insurance apartment .

Home insurance: damage following a storm

The damage to your home after a storm will generally secured by your home insurance.
Some insurers provide additional reimbursement for costs associated with clearing trees or restoration of your garden. For more details, you can refer to paragraph "storm" the general conditions of your contract of home insurance .

Home insurance: what influences your premium

The main factors that influence the amount of your premium for home insurance are:

  • the owner or tenant : The scope of coverage is broader if you own. The premium paid is generally lower for a tenant to a landlord. - primary or secondary residence : for a second home, periods of inhabitation are longer and the risk "flight" is more important. The premium paid is generally lower principal residence as a second home. - the location of your home : risks of losses are not identical by location. The premium paid is usually lower for a unit in a non-urban area for a Parisian housing. - the number of main parts : the premium paid increases with the number of bedrooms. - the furniture capital to ensure : the amount of the premium paid increases with the furniture capital to insure. - Franchise : The deductible is the amount remaining to be borne by the insured in case of disaster. The higher the deductible, the higher the premium is low.

Home Insurance: definition and calculation of the franchise

The deductible is the amount remaining to be borne by the insured in case of disaster . higher the deductible, the greater the premium for home insurance is low.

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