Between all the home insurance offers available, it is difficult to make a choice. Guarantees, franchises, prices… We give you the keys to see clearly and find the one that suits you.
Have you just found your new home? Great news! Now for the less glamorous step: finding home insurance. And there, let’s face it, it’s an obstacle course. Between guarantees with complicated names and offers that all seem identical, you quickly feel lost. You are probably saying to yourself: “Well, I take the cheapest one and that’s it?“Not so fast. Insurance is your safety net when things go wrong. We’ll tell you how to make the right choice without tearing your hair out.
First step: know your profile
First step: take stock of your situation. Are you a tenant or owner? If you rent your home, be aware that home insurance is mandatory. You must at least be covered for rental risks, that is to say the damage that you could cause to the accommodation such as a fire or water damage. For owners, insurance is not compulsory but it remains strongly recommended.
Next, consider estimating the value of your assets. Furniture, appliances, clothing, electronics… Everything counts. This is what we call movable capital, and it is this which determines the amount of your compensation if something goes wrong. Underestimating this value could cost you dearly the day you have to claim your insurance.
Step two: check the essential guarantees
Now that we know where you stand, let’s talk about guarantees. Some are really necessary: civil liability (essential if you break something at your neighbor’s house), fire, water damage and natural disasters. Normally, this is the basis of all contracts.
Then there are the options. Theft? Interesting if you have jewelry or if you are on the ground floor. The broken glass? Useful with a veranda. Electrical damage
protect your devices when it sizzles. Small important reminder: if you work from home, you must tell your insurer.
Whether choosing Allianz home insurance or elsewhere, make sure that the guarantees fit into your daily life. And above all, take a look at the exclusions: this is where we discover what will not be supported.
Step Three: Compare Beyond Price
Here we come: the famous prize. Obviously, this is an important criterion, but it is not the only one to look at. What also matters are the deductibles, that is to say the amount that remains your responsibility in the event of a claim. A franchise of 50 euros or 300 euros is a game-changer.
Also look at the compensation limits. If your sofa costs 2000 euros but the ceiling is a thousand, you will only get half back. Not great. Also remember to check the reputation of the insurer. A good contract is of no use if compensation drags on for months.
Finally, ask about customer service. Can you reach them easily? Is there an agency near you if you prefer direct contact? These details often make the difference when you really need help.
There you go, you now have all the keys to choosing your home insurance without stress. Yes, it takes a little time, but you’ll see, it’s time well spent. By taking care to assess your real needs, checking the guarantees that appeal to you and not rushing headlong into the lowest price, you are sure to make the right choice. And then, good news: if in a few months you change your mind, the Hamon law allows you to cancel whenever you want after one year of contract. Practical, right?
