This is a question that we should all ask ourselves and, from the brokerage, we choose to answer no. Today we are going to see several coverages that many people are unaware of , and that most home insurance companies offer.
Home and appliance insurance
A few years ago, some companies came forward to provide coverage for breakdowns that our appliances may suffer . Nowadays almost all of them offer it, but be careful, it is usually an optional guarantee, which we must request and pay an additional fee for.
In addition, of course, electrical damage is covered , so in the event of a power disturbance, the insurance will also pay us. This means that if the dishwasher stops working due to a power outage, with a technical report to support it, the company should not cause many problems.
In the same way that, something that usually happens in summer, you go on vacation and when you come back all the food in the refrigerator and freezer spoils . It is important to take photos, but this is also covered by the “damage to refrigerated goods” warranty.
Coverage outside the home
There is a conception on the part of many people that home insurance only covers issues that occur in our home. However, we are going to see that there are several guarantees that have a place to cover circumstances that do not even have to do with the home:
Family civil liability
This guarantee protects us against possible harm that we or our children may cause to others. Examples: my son while playing with the ball breaks the neighbor’s glass, or going to a party at a friend’s house, we break his television due to carelessness while passing by. The company would assume those expenses.
In addition, we can also include our pets and be able to cover the damage they cause to third parties.
robbery on the street
It is increasingly known, and our home insurance will cover the damages that we may suffer in the event of a robbery , as long as there is intimidation or force in the robbery. That is, theft is not covered, as it could be that due to carelessness our cell phone disappears (for example while in a cafeteria).
This way they would pay us if they steal money, cell phone or other property from us . Be careful here with the sublimits that each policy has, since some restrict it greatly and barely cover a small part of what is stolen.
Legal defense
Thanks to the guarantee of legal protection, there are companies that even cover issues related to labor disputes .
In addition, many have a 24-hour telephone number for small queries we may have regarding tax or administrative issues.
Televisions, cell phones… Covered or not by insurance?
Finally we wanted to leave something that is increasingly in demand and consulted. Breakage due to falls or other incidents with cell phones, tablets or other electronic devices may be covered.
Of course, this coverage is by no means the same in all companies . There are very few that really cover these topics well, and at a reasonable price, of course. And many home insurance companies prefer not to cover these coverages, as there are specific insurance policies for mobile phones, tablets or televisions.
However, there are companies that are willing to cover it, even if it is with a small deductible that the client has to assume.
If you want more information about these types of issues or want to know if your insurance has all of this, at Moné Seguros we are at your disposal. Don’t hesitate and trust a Brokerage that manages more than 1,000 claims a year .