Home insurance protects your home, personal belongings, and loved ones with essential coverages, plus optional add-ons for tailored protection.
Whether you're a homeowner or renter, securing home insurance is crucial—or often required—to guard against unexpected damages. Discover exactly what it covers, when it's mandatory, and how to compare policies effectively.
Renters must insure against damages to the property during their tenancy, though exceptions apply for furnished rentals, owner-occupiers, or company-provided housing.
Since the Alur law, owners in condominiums are required to maintain at least civil liability coverage.
Standard policies include civil liability coverage for damages inflicted on third parties. This safeguards you, your family, caregivers, pets, and even borrowed or rented items—excluding intentional acts.
Water damage protection covers furniture and fixtures harmed by leaks, pipe bursts, or overflows.
The fire guarantee addresses damage from fire, explosions, lightning, or smoke, provided safety standards like chimney sweeps and smoke detectors are met.
Glass breakage covers cracks or breaks in windows, skylights, terraces, and bay windows—but not dishes or light fixtures. Always review your policy details.
Natural disasters include floods, mudslides, earthquakes, droughts, or avalanches. If your home becomes uninhabitable, relocation costs may be covered if specified.
Theft coverage reimburses stolen items, plus damage or destruction during a break-in.
Enhance protection with optional covers like swimming pools, appliance repairs, or pet liability—among many others.
Online comparators help find affordable, customized policies. Beyond price, evaluate general and specific conditions, your valuables' worth, deductibles, included/excluded guarantees, exclusions, compensation limits, and deductibles. Your policy should match your daily risks and lifestyle.
