Why is home multi-risk insurance essential?

homeYou have found your new apartment and come to the much-feared step of home insurance. Yes, we can quickly find ourselves lost in all these offers with different clauses, prices and full of complex elements. We will help you to see more clearly.

You should know that housing weighs heavily on the family budget. Whether it is the payment of rent, the decor, the purchase of furniture, electronic devices, we all seek to save money but insurance is essential and can give us a big boost in case of disaster.

Home insurance in a nutshell, what is it?

The home insurance covers the damage that is caused to your home and your property present in it in case of disaster. She also has a cover for your civil liability.

By this insurance, you will be more serene since the goods you rent are insured. When we talk about goods, we talk about all types; Whether it’s your home, your cellar, your garage or all other premises. Thanks to the multi-risk home insurance, you will be protected against damage caused either to the building or to your neighbors. Situations can be a fire, a water damage or an explosion.

It is therefore mandatory to subscribe to a home/liability insurance when you move into your home. In order to justify your insurance subscription to your landlord, you must present him with a certificate of insurance. If you do not do this, your contract may be terminated and you may be deported.

Your real estate and home insurance

They constitute the largest part of the capital covered by the most basic home insurance. To ensure the best, you can ensure the total value to pay zero cents in case of disaster.

You own? Remember to check in your home insurance contract that there is no limit on the refundable amount.

The reasons why you must buy home insurance

  • First of all, many home insurance companies that exist on the market, so you have the choice. So you can select the insurance that suits you the most according to your status (owner, tenant, non-occupying owner) as well as compensation.
  • Certain formulas allow you to have a replacement to nine of your furniture in case of disaster and this, whatever their “age”.
  • You will be covered against damage to your home and your property being inside (your furniture, your electronics.)
  • Liability: Yes, the insurer will compensate the victim if you are liable for damage, whether you own or rent. For example, if you are the owner and you have caused damage to your tenant or a third party, it will be your insurer who will compensate. In the situation where you are a tenant, it will be the same if you have caused damage to the property of the housing you rent or to a third party. Again, your insurer will compensate the victim, in this case, the owner.
    Most of the time, home multi-risk insurance includes legal protection insurance and assistance guarantees.

What does it cover?


damaged houseYour windows are one of the most important parts of the home. The first step is to have high-quality window blinds that last a long time. The Perfect Fit system is recommended for this. Perfect fit blinds come in Pleated, Roller, Blackout and Venetian blinds. When you spend a lot of money on these shades you will want to make sure they are insured. That’s why homeowners insurance is essential.

Natural disasters

Natural disasters happen. Floods, earthquakes, tornados and more are all possible depending on where you live. Make sure your home is insured so that you don’t have to deal with this.


Overall it is well worth the investment to get homeowners insurance for the reasons we discussed. Make sure to invest in a reliable company today.


Why You Need Basement Insurance

So you found some ideas for renovating your basement, but now are worried about insurance. The water damage guarantee for basement insurance is included in most of the basic home insurance policies. However, it is advisable to look closely at this clause because the guarantees are not the same from one contract to another. Apart from the fact that the compensation is subject to very specific rules, it is good to look at the limits of the water damage guarantee of your home insurance contract.


Coverage for water damage

The coverage is overall very complete. This means that the warranty damages water does not just take care of possible damage following a simple leak. Certain insurance contracts provide for an extension of the guarantee which makes it even more efficient. Your insurance can take care of:

An infiltration of water by the roof.
The rupture of domestic pipelines.
Repair work.
Damage on ceilings, rugs, carpets, floors, and wallpapers.
Possible costs to try to contain a disaster.
The costs of locating a leak and repair.
The water damage guarantee thus offers many possibilities for the insured to benefit from compensation following water damage. Most HRM contracts all include the same basic guarantees for water damage. The difference is therefore mainly in terms of exclusions and optional guarantees.

The limits of basement insurance

Difficult to identify at first glance if your contract MRH offers the most advantageous water damage guarantee. The simplest is probably to refer to the exclusions of the guarantee. It is indeed easy to spot the differences at this level between different contracts. Generally, the insurance contracts HRM with a water damage guarantee do not cover:

Damage resulting from groundwater.

Sewer Overflows.
Infiltration by facades and windows.
Floods (in some contracts, you have to take out an additional optional guarantee to benefit from them).
Buildings inhabited not regularly and therefore not maintained enough.
Are not covered, buildings left unprotected or if there was negligence of the insured.
The exclusions are numerous in terms of water damage guarantee and we must pay attention to this kind of details.

In case of floods

As surprising as it may seem, the water damage warranty does not cover damage after a flood. As a result, if your basement is flooded due to a flood, your insurance may not reimburse you. To be compensated, you must:

On the flood guarantee which is an extension of the water damage guarantee.
If the flood is declared as a natural disaster then the insured will be able to benefit from compensation without even having a flood guarantee.


Payment Protection Insurance Reclaim

Our team has been dealing with PPI claims for years and we will deal with your case on an individual basis so that we can get you the best possible results on your PPI claim. We can claim back PPI payments from loans, credit cards and mortgages you hold now and also those you have held in the past even if the agreement has come to an end.

You Could Be Eligible for Thousands of Pounds in Compensation

Imagine what a cash lump sum could do for you. We often claim back thousands of pounds for our customers in PPI compensation and we could do the same across your accounts. We’ll claim back absolutely everything you are owed and we can also take a look at past statements to identify any unfair or illegal charges. We leave no stone unturned and will handle your case swiftly and efficiently.

We’ll handle the Payment protection Insurance reclaim process for you and deal with lenders directly saving you the cost, time and hassle of doing it yourself. We’ll always aim to get you the maximum amount of compensation and we have the power of regulatory law behind us. For many of our customers that compensation is money they weren’t expecting and that’s the beauty of our service. To START YOUR PPI RECLAIM, get in touch or use our contact form.

Starting a claim takes seconds

… and we’ll deal with your call in the most sensitive manner. Your custom is important to us and we’ll provide you with dedicated service throughout the claim process.