Home insurance: coverage, doubts and advice
Home insurance is mandatory when buying a property. However, not everyone has the same coverage. We clarify some doubts and share some advice when contracting it.
"Which insurance policy to choose? Which company do I contract with? What are the coverages that guarantee me total protection? These are just some of the questions you can ask yourself when you are about to take out a home insurance policy.
We will try to answer them in today's post from Ibiza Country Villas real estate agency.
FEATURES AND USE OF HOUSING
This is one of the main aspects when it comes to taking out home insurance. If your house has a garden, terrace or patio, you should make sure that it covers possible damages that the weather may cause in your absence.
On the other hand, if you are going to rent your property, it is advisable that in addition to having coverage for non-payment of the monthly fee, it also protects you against possible acts of vandalism by the tenant.
PROTECTION OF VALUABLE ASSETS
A very important thing when looking for the best home insurance for your property is to make sure that it covers both the building and the valuable objects inside.
In this sense, it is also essential that you have protection methods for jewelry, money and other valuables such as a safe. This can substantially increase the amount your home insurance will cover.
Considering to invest in Ibiza?
Our high standing real estate agency has a complete catalogue of exclusive properties. Find your next investment opportunity clicking here.
DIFFERENT TYPES OF COVERAGE
One of the most common doubts when buying a home insurance is the different types of coverage. On the one hand these are basic (fire, electrical failures, water leaks, ...) and on the other hand the complementary ones (assistance in the house, medical assistance, robbery, ...).
Therefore, it is much more advisable to opt for a "modular" insurance: that is, to contract the complementary coverage according to your needs.
FLEXIBLE HOME INSURANCE
At present, it is highly recommended that your home insurance policy be flexible. That is to say, that with the passage of time it can be modified or extended without having to wait to renew it.
This way, you will be sure that your policy covers all your needs even if some of them are temporary.
THE IMPORTANCE OF LEGAL AID
Illegal occupations, non-payment of rent, destruction of your property, ... If you contract your home insurance with a company that offers you legal assistance, you will avoid headaches in these situations.
This aspect is especially interesting, since a home insurance covers, in addition to what happens in your home, the civil responsibility caused, for example, by personal mobility vehicles such as scooters.
WHAT IS THE BEST HOME INSURANCE FOR ME?
From the real estate agency Ibiza Country Villas we recommend that you make an exhaustive search and compare all the options that you have to contract your home insurance.
If you want professional advice, contact us and our team will advise you in an honest and transparent way.
You can call us at +34 971 339 307 or write to us at This email address is being protected from spambots. You need JavaScript enabled to view it..
