Nowadays, it is increasingly difficult to know how to choose the best home insurance to guarantee your belongings. There are more and more insurance companies and the offers are similar to each other. Making a choice in this context is not easy, especially since in some cases it is an obligation. However, it is possible to rely on a few elements in order to make a choice.
A relaxed termination
It is very likely that you will need experience with your insurer before you make up your mind about the insurance you need. Canceling an insurance contract has never been an easy task.
But thanks to the Hamon law, your contract is now renewable each year on the anniversary date of the signature. You have twenty days to make your choice. This is the perfect time, if you are unhappy with your insurance, to choose a new one from the competition.
Before it was much more difficult than you had to wait for an opportunity to move to have a chance to terminate your contract without too much difficulty. If you want to take a look at the competition, you shouldn’t just change for the sake of changing. You will need to choose your new insurance very carefully, paying attention to a few essential points.
Read also: Will home insurance become more expensive if you live in high-risk areas?
A few tips for choosing
In general, the agencies offer almost all the same insurances with a few exceptions. It will be difficult for you among all these offers to find the best one. But by paying attention to a few essential criteria, you will be able to have the tools you need to find the home insurance that suits you best. Above all, it is important to pay particular attention to the frankness. This deductible is often overlooked to the detriment of the premium and yet these two elements are more linked than one might think.
The deductible is the money the insured must spend to be reimbursed in the event of a claim. A high deductible can limit the interest of the premium just as the opposite is also possible. It’s up to you whether you want to save on your bill or not. That said, be careful not to fall into the trap of certain contracts that will not compensate you if the amount spent on lost property is less than the deductible.
To choose your insurance, it is important to know how the compensation process will work. With the help of smartphones, some agencies have applications that allow policyholders to easily complete their declaration in the event of a claim. This saving of time is crucial since it will save you all the paperwork and energy required to obtain compensation. Compensation also requires special attention when choosing your future insurer. Some agencies will offer you reimbursement for the purchase price of your damaged equipment, but you should not limit yourself to this criterion.
Be careful that there are no clauses relating to the age of your device. Otherwise, you will come across an unpleasant surprise.
Read also: Who is affected by the home insurance contract?
