The Buildings Insurance: 6 Questions You Should Know Today About The Buildings Insurance

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6 Questions You Should Know Today About The Buildings Insurance

You know this is a home or building insurance is a form of general insurance, you are guaranteed places the value of the insurance companies and the house or building for the future disasters that may occur. Here you pay a monthly or yearly premiums as a sign of commitment to ensure that the insurance you are entitled to compensation if any protection or sufficient fire, flood, burglary, or similar events.


How to subscribe insurance for my building?

Good question, because a building or house does not have insurance for any damage accident. And because you pay for the research and policy paper for the policies and good agreement is more reason to be able to read as well as all relevant questions before signing. Typically, building insurance protects you against fire, theft and robbery, flood, car crashes and other unexpected events. Because some insurance companies will offer you cover for flooding should check your coverage, but the earthquake; Some provide fire prevention and protection against natural disasters such as floods, however, will not, earthquake, tornado.

In my house, personal property is described in my buildings insurance?

Certainly more. You have personal property insurance is required to cover personal property within your home. You will need two insurance to cover you for building, for the property of your home. You can contact the insurance company in order to create a common policy that covers all but the buildings and household characteristics, but you can be sure that there will be a high premium for this piece. In this case, if the fire accident, the insurance company repair and house repair, and will also replace any damaged property in the home.

The new insurance company will replace the damaged my property?

In the case of fire or flood, insurance companies, they do not fully depreciated will not be obligated to replace the new people and damaged property. The standard way is to repair the damaged property, minus depreciation and calculate the cost, or better yet give you the pay for new ones. If you pay a higher premium - If you do not enter a contract only alternative in case of any damage accident has a new property, your best hope is these characteristics that are affected will be repaired or restored, or get the full benefits of depreciation value.

It is essential to my house insurance?

It has taken out an insurance policy on your residential buildings are not mandatory, but may be in the best interest to complete it. The cost of rebuilding a house can be more than a year after the first house built, this guarantee is best to consider insurance to protect the building so the case of home damage repair, renovation or remodeling or new construction.

I rented an apartment, and I'm not a homeowner. It is necessary to ensure that within the private property?

Many people do not need to ensure their personal property, because renting a small apartment and a small personal feeling to take out insurance on assets no use, but they are dead wrong. In fact, many homeowners think that the responsibility of the landlord to ensure that landlords of residential buildings on fire and other unexpected damage; Again, wrong.

It is the responsibility of the landlord to ensure your guarantee for rental apartments is the user's responsibility to put their house rum for the insured risk. Do not forget to include most of the houses or buildings insurance for the property loss, personal property or asset rather than inside the house. So the landlord as you may suffer a loss through the contents of your apartment may result in losses through its own building, you have more reasons to believe the property insurance.

If you are owning a laptop, tablet, audio players, DVD players, televisions, stereo equipment, surround sound, expensive jewelry and such other things, collectibles, decorative items, fine china, a DVD, a CD, clothing, linens, small appliances, furniture, etc ... you tend to come as homeowners facing a disaster - more reason why you need to think about insurance.

The value of their personal assets is the fact that capital depreciation over the years, what makes you think less of insurance, but the cost of new replacing the fault occurs can be astronomical, you will need the help of insurance companies .


The best way for property damage as fire, burglary, flood and disaster among others is to join a private insurance or property insurance on the tenant place; You need to start by taking an inventory of your personal belongings.

Taking an inventory of your personal property, you can see all of his property, and possible values. If you own a complete list of all the items you purchase a new item, you can add an attribute that exists in the House take the appropriate inventory. Inventory is the most valuable document to support insurance claims. It provides proof of your belongings, and details needed to file a claim thoroughly.

If insurance companies do not have a full inventory of your personal property, you may not like enough to receive less compensation if damage has occurred. If you perform any modifications requested an annual insurance review, landscapes upgrade, adding a pool, an insurance company has to provide a subscription and speedy resolution to the appropriate insurance if you happen to update your coverage and file a claim or Basement finished.

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