Why is he important room insurance against accidents?

For the Profeco, a house insurance is indispensable, both for which a house inhabits and for which he rens.These protect your home against construction and content damage, derived from various causes.

Having a house or apartment is more than having a place to live, it means having a heritage for a person or a family.

Housing is considered one of the main assets in heritage, that is, a form of savings and investment to preserve resources.Hence the importance of protecting it from possible accidents such as: fires, earthquakes or robberies, among others.

What can you protect or ensure?

La Profeco reportó que el seguro de casa habitación protege la estructura física de tu vivienda; así como el contenido como muebles y accesorios: equipo de cómputo, joyas y obras de arte, entre otros.

Asimismo, las personas que rentan una casa o departamento también pueden asegurar sus pertenencias.

In addition, to hire civil liability coverage, which covers the damages that are precisely the responsibility of the tenants.

Por su parte, la Condusef mencionó que los seguros funcionan como un contrato.The insurer is obliged to compensate you through a premium, when an unexpected event occurred, but previously established in the policy.

El beneficiario de esta póliza debe cubrir una prima o pago mensual, semestral o anual.The basic requirement, which activates all the aforementioned benefits, is that the accident, damage or unexpected event is within the coverage established in the contract.

From this perspective, insurance more than an expense is a tool to protect you from a future disbursement in case of an accident or event detrimental to you or your goods.

What are the most frequent risks?

Before hiring a house insurance, it is important to know the price of insurance and damage that can be compensated by the insurer.

La Condusef reportó que la mayoría de los seguros de vivienda protegen:

Finally, it is the obligation of the insured to take charge, to the limit of the insured sum, of the economic consequences derived from a sinister.

Profeco recommends that an insurance policy must be composed of:

In addition, it must clearly include what does not cover the insurance and the amount of money that is subtracted from the payment made by the insurer for the loss suffered by the insured.

The insured pays a part of the loss, this is what is known as deductible.

Before hiring house insurance

In accordance with the Condusef, it is recommended that you take into account the following elements before hiring:

Declare the truth about the value of housing.If you indicate a smaller sum of the real one, the amount of your cousin will probably be diminished, but also compensation.

Analyze the risk factors such as: yes they occur frequently earthquakes, hurricanes, floods, etc..

In case you harm homes adjacent to a flood, a fire, etc..

Indicates whether the house is proper or rented.The address where the property, approximate value and number of floors are located.

As well as, type of housing (house or department), construction and finishes, among others.Usually the cost of insurance is determined by these characteristics.