2023-09-20 21:32:04
Guadalajara- Safeguard your assets and live well with home insurance. We inform you why it is important that your home is protected and what a home policy covers.
Home insurance is the insurance that protects the most, insuring your house at its commercial value, your things at a value at which you could buy them again and all this without an invoice, and under a verification method.
However, in Mexico only 6% of homes have insurance.
According to Wylie Vielma, president of the Mexican Association of Insurance and Bond Agents AC (Amasfac) Guadalajara, there are two aspects to this insurance.
The first is focused on whether you are the owner of the house, so the house and all the assets found inside it are insured; and the second modality is aimed at people who cover an income for the house, in this aspect you can insure things within it.
”The policy covers you with basic coverage for fire, hydrometeorological phenomena, earthquakes, theft inside the house and also includes assistance for emergency repairs,” he reported.
In addition, there is home insurance that not only covers the property and the things inside it, but also has accident and civil liability coverage.
That is to say, these policies protect you as the contracting party, they cover your spouse, your children, your parents and your pets, as long as they live in the insured home, and also cover the incidents and accidents that any of these may cause.
”The policy is going to give you money, an insured amount so that you can face different situations,” Vielma commented.
In addition, this policy includes a complete funeral expense service: viewing, coffin, cremation service and also protects you and your family members who live in your home against theft outside the home.
”If your cell phone is stolen, you just have to call your home insurance, say what model you had, file a report and the insurance will return an amount, maybe not the entire cell phone, but whatever they give you. will help buy a new one” he mentioned.
How to get good home insurance?
For the president of Amasfac, the most important thing for you to be able to take out home insurance is to look for a professional insurance agent, get advice and let yourself be guided by the agent and not make a decision in a hurry.
”It is necessary to establish what worries you, talk to your agent and he will know how to tell you what is the best way to cover it” he commented.
The specialization of these insurances is necessary since each house is different and concerns vary, which is why Amasfac can provide you with advice so that you can find an insurance agent.
The costs
These may vary depending on the zip code of your home, since there are areas with a higher risk of different problems and depending on the package you want to cover your concerns, however the cost of these will always be less than the value of your assets and well-being.
”The contract is annual and the payment method can be semiannual, annual, bimonthly, there are many variables in terms of costs, but everyone should have home insurance,” he concluded.
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