This type of insurance is mainly aimed at people who have taken out a loan by mortgaging their home. They are mainly insured for damage to the building from fire, earthquake and terrorist acts. The bank is the beneficiary for the amount corresponding to the loan from the bank.
It is the simplest form of home insurance and there are very economical insurance solutions on the market.
In this category we find preferred insurance policies that have the coverage package ready.
We can only cover the building, only the content or both.
Indicatively, the coverages that are included are Fire, Theft after burglary, Pipeline Breaking, Crystal Breaking, Natural Phenomena, Civil Liability, short circuit etc.
Optionally we choose whether to add Earthquake.
The differentiation in the insurance market has to do mainly with the exemptions and the maximum coverage limits in the supplementary coverages.
All Risk Contracts are provided by a few companies in the market. They insure for all without exception the possible risks that a house may be affected.
It is addressed mainly to customers who have special constructions and great values in the content of their home.
Usually with the insurance application an expert comes to record and photograph the luxurious construction.
These contracts cover in addition to the classic coverage of multi-insurance policies and from possible destruction or theft of special values that one can have in one’s home, in the form of works of art or jewelry.
The basic precondition for covering jewelry is the existence of a sealed safe, although theft outside it is usually covered by sub-borders.
In any case, with the insurance application, an expert comes to record and photograph the special values.
The earthquake is covered if the building is of anti-seismic construction after 1960 and has not been damaged by a previous earthquake.
Of course! You have the opportunity to insure works of art or collections of special value, as long as you mention the items by name and they are accepted by the insurance company. In most cases companies provide free expertise. In addition, some companies provide for the insurance of jewelry inside a sealed safe, as well as losses or damage to jewelry that at the time of the damage are outside the safe or theft while wearing them or not during a trip.
Of course! In case e.g. when you rent the house you live in, you may not be interested in covering the building, but you may want to cover only the contents of your home, ie the movable objects that are inside it and constitute the household equipment, such as furniture, clothes, white appliances, computers, stereos, carpets, valuables, etc. There are preferred insurance packages with a number of coverages and the cost is very low.
You can insure your holiday home but the usual premise of insurance companies is to insure or have your main home already insured. In any case, we will look for the insurance market to find the ideal solution for you!
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