Am I insured when purchasing a home?
When buying a home, the insurance contract from your vendor you will be automatically transferred. You will need to recover the insurance contract of the seller or, failing that, the contract reference.
Then you have the choice between retaining the insurance from your vendor (in this case you must contact the insurer in question) or to abandon it (should be sent by registered mail a letter of termination).
# The owner’s insurance provider and the tenant do they overlap?
No, they do not overlap.
Indeed, if the insurance of the owner compensate the owner in case of accident, it does not cover the tenant. The owner’s insurance may also turn against the tenant and ask him to refund the compensation paid to the owner.
Furthermore, it is essential to ensure the owner of the house, even if the tenant has done because the insurance will only when the latter was responsible for the damage.
# What to do in case of water damage?
Depending on your situation, you must immediately notify the trustee, manager or owner. If the house of one of your neighbors is also affected, you must fill with it a joint report of water damage. Then return this within five days, by letter, to the insurer. This finding will serve as a statement of claim.
# What to do in case of theft?
file a complaint with the police (within 24 hours) and possibly take some pictures to support your statement to the opposition police.faire with your bank in case of stolen checkbooks, cards bancaires.déclarer theft to your insurance letter (within 48 hours), together with the filing of the complaint issued by your insurance police.envoyer a detailed estimate of stolen goods, with the greatest possible evidence (invoices, purchase guarantees, appraisals, photos …) their existence and their value.
ATTENTION: in case of prolonged absence, your insurance may stop flying if no special measures of protection against theft is taken during such absence. Check the duration of your contract and the duration in case of theft of valuables.
# What to do in case of broken windows?
Take measures to your home isolated from the outside (windows …) ¨
Declaring the breakage of glass insurance (within 72 hours);
Attach all information relating to part of your home that is affected (invoices original works, replacement …).
# What to do in case of fire?
Protect objects that were spared by the disaster.
if property is damaged, you obtained the certificate of ownership from your solicitor
report the claim to your insurance (within 72 hours).
send to your insurance a detailed estimate of stolen property, with more possible evidence (invoices, purchase guarantees, appraisals, photos …) their existence and their value.
Also keep all damaged goods which will assess their value.
# The residential insurance take into account changes in property values and inflation?
The contract residential insurance is reviewed once a year on average according to the values of the index that appears on the notice of maturity. This can affect the amount of your contributions and the amounts guaranteed (positive or negative).
Please note that if the amounts secured may be revalued, it is not the case for your property. It’s your’s responsibility to assess the value of your property and ask your insurer to tailor your contract to your new needs.
# If I am injured in my home, am I covered by my household insurance?
The household insurance covers your liability and claims and damages affecting your home (fire, water damage, theft …).
However, this insurance covers you generally do not like an individual guarantee against accidents which would compensate you in case of accidents.
To be covered in these cases, you must subscribe to a guarantee Injuries, click house insurance rates for more information.
