2023-06-14 07:10:17
Within the wide world of policies, the home insurance It is one of the essentials. Most Spanish families have hired one to cover themselves against possible unforeseen incidents that cause complications at home. One of the best alternatives if you want avoid scares.
What many people are unaware of is that, in recent times, these insurances have been adapting to social changes and offer more and more possibilities. They are no longer just coverage for home burglaries or building damage. The damages caused by pets, which in many homes are part of families and more so with the upcoming approval of the Animal Welfare Law, are just one example. But there are other more unknown spaces that are also included in many policies, although we do not know it. Of course, in many cases it will be necessary to pay more to extend coverage. These are some areas that certain home insurance covers:
Legal defense
Labor problems, claims for failures to contract water, gas, electricity or Internet,… Small justice-related issues that many home policies include in their coverage. In our personal life, unforeseen events may arise that make it necessary to resort to a lawyer and who we could have at no additional cost thanks to our insurance.
pet damage
Dogs and cats are increasingly part of the central nucleus of families. Like the children, they are some more tenants in the homes. And, like the little ones, they sometimes carry out mischief that can cause damage to the home. If our insurance includes civil liability coverage for pets, it can also cover the problems that our pet causes to third parties away from home.
Burglary outside the home
One of the main home insurance coverages is theft in it. What not everyone knows is that these policies can cover many more aspects, such as muggings or thefts outside the home. According to the limits established in the different contracts, it is possible to insure stolen money, stolen goods (mobile phones, wallets, bags…), documentation and even the economic volume that the thieves have been able to extract from credit cards. Before suing the insurance, it is essential to present to the police the corresponding complaint.
appliance repair
Related news
Oddly enough, there are certain insurances that also cover the repair of various breakdowns of household appliances for daily use at home. These policies cover not only extraordinary accidents, but also include certain failures due to wear and tear. Of course, the insurances usually have limits related to the hours of labor, the number of annual breakdowns or the maximum amount of the final repair invoice. Cisterns, pipes or DIY are attached to household appliances, so it is important to know what assistance we have with our insurance.
family assistance
If any of the insured persons is temporarily disabled due to a domestic accident, the insurer could take over the health bill costdomestic service for housework or teachers if the person who needs specific attention is a minor.
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