The construction characteristics of a single portion of the building, whose covered area does not exceed one tenth of the area covered by the building itself.
the combustible materials existing in the external walls, in the floors and in the non-load-bearing structure of the roof if the surface they occupy does not exceed 1/10 respectively of the total surface of the external walls, floors and non-load-bearing structure of the roof. This tolerance, limited to the external walls and to the non-load-bearing structure of the roof, is elevated to 1/3 when it is not expanded plastic or honeycomb. A visit to https://aversoninsurance.net/ makes things perfect in this case.
Combustible materials used for waterproofing or coating, if they adhere to continuous brick, reinforced concrete or concrete structures.
To whom does the housing policy apply?
Fire insurance is advisable for anyone who owns a house or lives for rent (in these cases, only the “rental risk” is required). The fire policy also affects those who live in a condominium, given that the common global manufactured policies do not cover the contents of the dwelling of the single condominium. It is important that the third party warranty is included in the global manufactured policy.
Don’t lie when signing the contract
When the contract is signed, you will be asked for a description of the house: Where it is, if it is a villa or a condominium, if it is built in wood or not, if there is an alarm system. Don’t lie otherwise you risk not being compensated by the Homeowners Insurance .
Always observe the following rules before entering into the policy:
Exclusions: in general, damage caused by intent or gross negligence is excluded, e.g. smoking in the bed, not only by the insured, but also by the people who live with him. It is important that gross negligence is expressly included in the policy.
Deductibles: the deductible is certainly advisable, as long as it reduces the insurance premium.
Before entering into a housing policy, consider what risks you want to insure, if the fire insurance alone is sufficient or if you live in a cold area where it is important to ensure also against frost damage.
Third party recourse: it is a guarantee that reimburses the damage caused to neighbors as a result of a fire in your home or an explosion or explosion of your property. It covers up to the maximum amount insured, without considering the actual possibility of damage. There are RC policies of the head of the family which include the recourse of third parties following a fire up to a certain pre-established maximum amount. So check carefully if there is any such guarantee in your private life insurance policy. If not, we recommend including the “third party appeal” in the housing policy to each owner / tenant of an apartment or house adjacent to another, with the exclusion only of those who live in an isolated house.
Advice on the useful capital to be insured will be communicated during the analysis of the insurance requirement.