Fire insurance offers protection against damage to your home and property. In addition, it also covers your civil liability to others.
Legally speaking, fire insurance is not compulsory insurance. There are, however, some situations where it is mandatory. Think for example of the owner who forces his tenant to contract fire insurance.
Note that the obligation does not relate to fire insurance, but to include a cover that compensates third parties for bodily injury caused by a fire or an explosion. your home. You can choose to include it either in your fire insurance or in your family insurance.
Who must take out fire insurance?
Here we make a distinction between the owner of a house and the tenant of a house, an apartment, a student flat … In both cases, you have everything to gain by protecting your property. own interests: As a homeowner, you take out fire insurance to preserve your property as a tenant, you do so to cover your liability and protect your property. Fire insurance also allows you to cover your responsibility towards others.
What covers does a fire insurance offer?
The basic covers of a fire insurance
The law describes them as mandatory covers: an enumeration of all the basic covers of your fire insurance.
They do not cover the actual damage, but the other expenses related to a disaster. These include the cost of storing your furniture and other property during the reconstruction period, excavation and transport of rubble …
For a complete list, see the additional coverage of fire insurance
Optional or optional covers
Finally, there are still additional optional coverages, such as theft insurance, insurance providing for an increase in compensation for indirect losses and so on.
Good to know: fire insurance, fortunately, protect us from a lot of damage related to causes. But there are also situations in which an insurer can refuse to compensate you, on the grounds of poor protection of property (eg the absence of an alarm despite the expected conditions), the wear and tear of the property that caused damage (eg water pipe defective). Always check what exactly a cover is.
What factors determine the price of your fire insurance?
The price of fire insurance depends on several factors:
Higher risk due to the use of certain materials
Risk of burglary higher because the house is in an isolated place
Differences in terms of coverage and compensation paid between different insurers
Optional blankets you have chosen
Value of the house or apartment influences the amount of the premium (1)
Amount of the deductible