Do you have a Univé home insurance on the eye, but you don't really know yet what this includes?
It depends on the insurance you have taken out as to what is covered in the event of damage.
For example, you have buildings insurance and contents insurance, both of which take action in a different way.
Before you can actually take out insurance, So you need to know exactly what you need for your home and what is insured. The information below will help you get started.
The physical structure of the home
Immediately home insurance you can initially insure the home yourself. For this you can use the building insurance to block.
This covers damage to everything permanently attached to the home. The physical structure is also included, like the windows, the roof and floors. If a fire has broken out, a storm has passed or a leak has occurred, it can cost a significant amount of money to repair or replace everything.
This is precisely why you need insurance. This can help to bear the financial costs, without getting into trouble. The house itself is not the only thing you can think about.
You can also use the insure contents against disasters. First think about furniture. You undoubtedly have a large number of pieces of furniture in different rooms.
These may have cost a lot of money, especially if they are antique. In fact, all furniture items are covered by insurance. So you can simply replace or repair it if necessary.
Other assets covered
All electronics are also included. An electronic device generally costs a lot to replace, so it gives you peace of mind if the insurance company helps you with this.
And what about your garments? That full wardrobe may have been supplemented over the years, so you may not realize how much money has been invested in this, but it is something for which you can expect compensation.
This way you can replenish your wardrobe, without causing you financial worries. The same goes for all books, CD’s, DVDs and toys.
Everything you don't want to miss can be included in the insurance if you have put it on a list in advance. The inventory list should prevent you from overlooking anything.
Other equipment also included
And have you actually thought about the white goods and all the kitchen appliances?? These are things that are self-evident, until something happens to it.
If devices unexpectedly malfunction, for any reason, you can report this to the insurance company.
In this case you get one compensation to repair the device. If it needs to be replaced, you also get a certain amount.
Please continue to pay attention to which coverage and policy conditions you have taken out for this. You may end up paying an extra amount when submitting a claim for damages.
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