Post by account_disabled on Mar 16, 2024 0:57:33 GMT -5
The data that we offer below is derived from our own activity as an insurance company , with a portfolio that exceeds thirty thousand policies in the home branch, and makes up a snapshot that can show a fairly real image of the current panorama of homes insured with relation to the occurrence of different types of accidents, their proportionality and frequency. Our intention when sharing this data with you is, on the one hand, to try to put a more concrete face on the global accident figures that we gave at the beginning, and, on the other hand, to carry out an exercise in transparency and, as we said , of certainty, certainty that things always end up happening and that the investment in protection is a profitable investment: in a crude way, the price of home insurance for an apartment of 60 to 90 square meters can range from 120 euros to 180 euros, while the cost of covering a claim amounts to almost 400 euros in communities such as the Basque Country or Catalonia.
We distinguish between three types of accidents: Compensable: those whose correction is made through financial compensation. Repairable: those whose correction is carried out through labor/repair. Mixed. Generally, the distribution by type of incident, according to our experience, is very close to this graph: Water and glass damage the most frequent claims in home insurance Water damage tops the ranking of the most frequent claims in home insurance, at an almost abysmal BYB Directory distance from the rest of the claims. The coverage for this type of incident is focused, above all, on the damage that a water leak in our home can cause to third homes, opposite we see the most frequent claims in home insurance, although the damage to be covered may be greater in larger.
Houses (not necessarily the damage that we can cause to third parties), the size of a home It is not relevant when it comes to suffering a fire, theft or water damage, so, even if our home is smaller, it will not go unnoticed if an accident occurs. when it comes to homes of 60 to 90 square meters, in which the home insurance rate rises to 77%, and in homes of more than 250 square which is why the superstition of “my house is small, nothing happens here, I don't need a insurance” is completely unfounded, since, as we said, size has no influence on the water damage that we may cause to third parties, so even though it is basic home insurance , our home must have minimal protection. We could apply this same reasoning to other types of coverage such as Urgent Locksmithing or Robbery coverage : when someone robs us on the street they do not ask us the square meters of our home, or when due to a mistake we forget or lose our house keys , the locksmith is not going to charge us less because our home only has 2 rooms.
We distinguish between three types of accidents: Compensable: those whose correction is made through financial compensation. Repairable: those whose correction is carried out through labor/repair. Mixed. Generally, the distribution by type of incident, according to our experience, is very close to this graph: Water and glass damage the most frequent claims in home insurance Water damage tops the ranking of the most frequent claims in home insurance, at an almost abysmal BYB Directory distance from the rest of the claims. The coverage for this type of incident is focused, above all, on the damage that a water leak in our home can cause to third homes, opposite we see the most frequent claims in home insurance, although the damage to be covered may be greater in larger.
Houses (not necessarily the damage that we can cause to third parties), the size of a home It is not relevant when it comes to suffering a fire, theft or water damage, so, even if our home is smaller, it will not go unnoticed if an accident occurs. when it comes to homes of 60 to 90 square meters, in which the home insurance rate rises to 77%, and in homes of more than 250 square which is why the superstition of “my house is small, nothing happens here, I don't need a insurance” is completely unfounded, since, as we said, size has no influence on the water damage that we may cause to third parties, so even though it is basic home insurance , our home must have minimal protection. We could apply this same reasoning to other types of coverage such as Urgent Locksmithing or Robbery coverage : when someone robs us on the street they do not ask us the square meters of our home, or when due to a mistake we forget or lose our house keys , the locksmith is not going to charge us less because our home only has 2 rooms.