Multirisk Insurance: Less bad luck, your home more secure

Multi-risk home insurance is a policy that offers comprehensive coverage to protect your property and belongings against various risks, such as fires, floods, storms, theft and other damages. This insurance protects both the structure of the house and its contents (furniture, appliances and other personal belongings).

Multi-risk insurance coverages may vary according to the plan, but generally include: Fires, explosions and natural phenomena (floods, storms, hail); Water damage (burst pipes, leaks); Theft and vandalism; Civil liability (protection against damage to third parties); Contents damage (furniture, appliances and other belongings); Home assistance (in case of emergencies, such as broken windows or water leaks).

Multi-risk insurance is not required by law. However, if you have a home loan, the bank may require you to take out a multi-risk policy to guarantee the protection of the property, which serves as collateral for the loan.

Home insurance only covers structural damage to the property (the house itself), while multi-risk insurance offers more comprehensive coverage, protecting not only the structure of the house but also its contents and any damages caused to third parties.

Yes, it is possible to include high-value items (such as jewellery, works of art or electronic equipment) in multi-risk insurance coverage. However, it is important to inform the insurer of these items so they are properly included in the policy.

Seismic phenomenon coverage is not automatically included in all multi-risk insurance policies. If you want protection against earthquakes, you should check whether your policy includes this coverage or if it can be added as an extra.

Yes, it is possible to adjust the coverages of your multi-risk insurance. You can choose to increase or reduce the level of protection, add specific coverages (such as seismic phenomena or protection of valuable assets), according to your needs.

Yes, most multi-risk insurance policies cover water damage, such as burst pipes or leaks, as long as they are not caused by lack of maintenance. However, it is important to read the policy conditions carefully to understand the limits and exclusions of this coverage.

Civil liability is a coverage that protects the insured against any damages caused to third parties. For example, if a water leak in your home causes damage to your neighbour's apartment, the multi-risk insurance can cover the costs of necessary repairs to the affected property.

In the event of a claim, you should immediately notify your insurer, providing all the details of the incident. It is important to have documents available such as photos of the damage, repair reports and expense invoices, so that the analysis and compensation process is as fast and effective as possible.