Real estate insurance is nowadays a necessity – not only because of the possibility of burglary or theft. There may also be other random events – room fires, fire, hailstorm or other weather anomalies such as hurricanes. It is important, therefore, to ensure adequate security. It is worth choosing an offer that will provide the largest scope of protection for us and our real estate.

Price range

Buying a flat or a house is in itself a very expensive purchase, incurring the budget, but we should not save in the matter of insurance. Currently on the insurance market there are a number of plants that compete in ever more attractive offers and increasingly reasonable prices. However, you should not be fooled, because as a rule, the lower the price of the policy, the smaller the range of benefits that you will be entitled to.

What is included in the insurance coverage?

Various insurance companies give you the opportunity to choose the scope and subject of the insured property. You can only decide to insure walls and permanent construction elements, as well as home movables from the above-mentioned fortuitous events, or from theft with burglary.

In addition, you can buy a life insurance policy and home Assistance insurance – it’s up to us what the coverage of the policy should cover.

One should remember about a very important issue, ie the amount of insurance – it is in the end the sum to which the insurer guarantees liability in the event of possible damage. Because it is determined at the time of purchasing the policy, you should consider before visiting the insurance agent n what amount is the amount of property we collect, and what value is our property. When renewing the policy, you need to determine what value you have bought and also include appropriate protection.

Good to remember!

It should be remembered that the purchase of property insurance does not exempt us from the requirements of observing all precautionary principles. If the damage results from our side, eg due to the open windows or balcony doors left, the insurer may evade payment of compensation.

If you want to save money, then you should think about buying insurance in packages – insurance companies often offer loyalty programs, thanks to which discounts are due to clients when reaching for several insurance packages. If, therefore, we decided to buy in a given company or AC, it is worth rethinking the issue of purchasing a flat insurance.