All you need to know about Home Insurance
Are you moving into a new home? Have you been living there for a while and are taking stock of your bills? In both cases, home insurance is a must. But it's not the easiest thing to understand! Is it mandatory? What are the guarantees to subscribe to? How much does it cost? And in case of a problem? We explain everything you need to know to be well covered by your home insurance and have peace of mind.
An insurance adapted to your situation
As its name indicates, home insurance is used to insure your home. In concrete terms, this means that in the event of a disaster - an accident causing damage - the insurance will be there to support you, compensate you and/or restore your home. In order to offer you a complete coverage at a fair price, different protections exist depending on your profile:
- Home owner insurance
- Home insurance for tenants
- Home insurance for students
- Non-occupying owner insurance
But also according to your type of housing:
- Home insurance
- Apartment insurance
- Roommate home insurance
- Second home insurance
And for buildings, we also offer a complete protection:
- Condominium and building insurance
- Insurance for rental properties and investment properties
- Multi-risk building insurance (MRI)
What is the best coverage for you ?
Coverage table
| Warranty | Minimum legal coverage | Extended coverage |
|---|---|---|
Civil liability | ||
Criminal defense and recourse | ||
Water damage and seepage | ||
Fire and explosion | ||
Storms and natural disasters | ||
Technological disasters and terrorism | ||
Relocation and emergency repairs | ||
Theft and vandalism | ||
Glass breakage | ||
Locksmith repair | ||
Reimbursement of replacement value | en option | |
Exterior fittings | en option | en option |
Is home insurance mandatory?
Obviously, insurance only comes into play the day you have a claim. And even though you may never have one in your life, which we hope you won't, it would not be wise to do without it. Indeed, the amounts involved in the event of a claim can be very significant, which is why the law provides for many cases in which home insurance is mandatory.
You are a tenant
| Your home is... | The insurance is... | Required guarantees |
|---|---|---|
An empty rental | Mandatory | Rental risks |
Furnished rental | Mandatory | Rental risks |
A shared rental | Mandatory | Rental risks |
A dwelling occupied free of charge | Mandatory | Rental risks |
A seasonal rental | Optional | |
A company dwelling | Optional |
You are an owner
| Your home is... | The insurance is... | Required guarantees |
|---|---|---|
In co-ownership | Mandatory | Civil liability |
A single-family home | Optional |
