To protect belongings pass through accidents. But what to do when a fire destroyed the kitchen or the apartment suddenly is under water? A home insurance provides for remedy in such cases. The finance portal geld.de informs what service offers such a policy. In General, all movable items are insured with a home insurance establishing the apartment belonging to or stored in this. It covers damage caused by fire, lightning, burglary, pipe breaks, tap water and storm and frost, storm and hail.
However, should this damage through gross negligence”of the customer be created, past many insurance companies for the costs incurred refused to come up. According to focus money must replace at least some of the damage since the reform of the German insurance contract law. Prior to the completion of a home insurance terms and prices of the different providers should be compared, because there are often large differences. In addition to the standard insurance is also the possibility to buy additional insurance, which protect against weather-related damage or damage caused by overvoltage. Since the insurance sum is determined by the value of the equipment, should be taken here carefully. An inventory list, which is regularly brought up to date is recommended. Caused during an insurance of the household goods to high monthly fees, can lead to high financial losses under insurance in the event of an emergency. Typically, such lower insurance can be avoided, if at least 650 euro per square metre of living space are agreed for the sum insured. More information: presse.html Lisa Neumann University first media