The home and all the goods inside it are among the biggest investments in our lives. No one would want to suffer the consequences of an accident that would lead to their partial or complete damage. The most effective method of protection against damage caused by fires, floods, cataclysms, thefts, etc. is Comprehensive Home Insurance, which includes risks from three insurance classes, at an affordable price.
Real estate insurance is a voluntary policy that guarantees compensation in case of damage or destruction of any type of real estate (apartment, house, garage, etc.). It can be applied to personal, rented or mortgaged properties. For the latter, the policy is often a mandatory condition imposed by banks for granting credit. However, the beneficiary decides on his own which insurance company to turn to.
The insurance contract, in most cases, is concluded for a period of one year.
In addition to the property itself, only the objects inside it can be insured. Movable property insurance involves the protection of the insured's patrimonial interests, which relate to the possession and use of the insured movable property. If its contract is concluded together with the real estate insurance contract, then the value of the policy premium will be in favor of the insured person.
The third class of insurance provides for situations when the damage caused by an accident has affected not only your home, but also those living nearby. Civil liability insurance towards neighbors is the policy that will protect you in such cases, providing compensation for damages caused to third parties. By concluding an insurance contract simultaneously with two other types of policies, the insurance company offers significant price discounts, and you are protected from any possible incident.
