Home Management Blog

We continue our short summer and do some compilations of the questions most frequently identified with the recruitment of home insurance, and coverage against claims. I share with you some of the questions that are in support calls from insurers:

1. In the case of an accident in a rental unit to whom compensation insurance?
In this case depends on whether the incident affects the continent, or content. In the event that the damage was caused to the premises (continent), the insurance company will compensate the homeowner. However, if the incident affects the content, the insurer will indemnify the insured property owner or tenant.

2. Is it possible to take out home insurance with a home mortgage loan?
Hiring a Home insurance is a mandatory requirement for all dwellings owned by a mortgage. The purpose of this policy is to hire offer protection to the Bank in case of disaster. The insurance allows the bank to be protected in case of any eventuality. With respect to fire insurance, it corresponds to the proportion of what is owed the mortgage.

3. You may purchase insurance from home if the residents have one on urbanization?
If you’ve purchased a bungalow or an apartment, and the residents already have a contracted service for the common spaces, regardless of this insurance can secure your home.

Keep in mind that insurance provides coverage only community with respect to damage caused in the common areas. With home insurance on your home you will have protection for everything that happens on your property.

4. Replacement of furniture
If you decide to add new property or renovate all the furniture in your home, the recommendation is to go on the list of secured property, it may need to modify or expand the coverage of your policy. The majority of home insurance allow adjustment of capital insured by modifying premiums based on new acquisitions.

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