How to Choose a Home Insurance?
Before hiring a home insurance make sure you have reviewed each of the following:
1. Do not stay with the first option, visit several banks or insurance companies, compare prices, coverages, limitations and exclusions of each policy. It is very important to read the exclusions and limitations found no surprises when you need it. Faced with the same insurance coverage has different rates of compensation, with different systems to fix them, then the differences are considerable. Do not forget to read the fine print, you must read all the closures. Remember that many of the problems facing a loss is due to poor coverage information.
2. As always you have to ask, ask and ask. Do not be afraid to do so is to their advantage. Clarify your doubts and if you do not understand the explanations that gives you, ask to have it explained without jargon. The person who treats you should be patient and respectful. Ask them to interpret more complex clauses in detail.
3. Not all include liability insurance, check that your policy is included.
4. You will need to part of the premium amount, information on the costs by dividing the monthly payment, semiannual or annual. Learn much are the commissions, interest rate and taxes payable.
5. Find out which type of compensation used against a sinister Replacement will be stricken thing, for replacement or cash, etc. It is important to be clear is how the game will take insurance against possible setbacks.
6. If you read the contract to disagree with some points and agree with the insurance to make some modifications in the contract, they must be established in writing. But not be based on who and what to claim.
7. Sometimes we make the mistake of just valuation of goods according to potential risk with respect to the other, that’s what causes the underinsurance or reinsurance When making the statement to realize the value of your home, remember that it should be as accurate as possible. In the event of underinsurance, ie the value of your home is downward, the premium will be lower, that in the event of a claim for compensation received will be far removed from what we really need. As well as in the case of committing a Sobreseguro the premium will be higher, but in the case of loss compensated only for what you owe him, so I will be paying more without obtaining any benefit ..
8. The certification of all goods that are in the house by the insurance company provided if the insurance claim resolved more quickly, because you know exactly which are the goods to replace or take into account when compensation effective.
9. Usually in the case of theft of money, jewelry and documents outside of your home, the insurance required to take charge and pay the compensation that the theft has been violence or physical threat. That is, it has been committed to their physical safety.
10. You should always keep in mind the deadlines stipulated by the policy to report the incident, the steps the company to communicate the facts. For the moment is where it should have all the documentation: Contract, closures, receipts, etc. for if I ever need to make the corresponding claim.
11. For cancellation of insurance must do it in writing two months before the expiration date of the policy. Because if you made before or after the charge can be equal until the maturity or annual renewal for cancellation.
