For his house often, even after there has been equipped with an antitheft system, you’re never quite sure. Can be used then, the subscription of an insurance policy for the home, which can be of three types:

1. Policy to integer value: it covers an amount that corresponds to the real value and total assets in the house. This typology therefore expected that at the inception of the contract is made an estimate of the assets in your home. But we must be careful, because if you suffer a theft of a value exceeding the insured value will be paid an indemnity calculated according to the proportional rule. Compensation will therefore be reduced in proportion to the ratio of the value that was insured and the actual value at the time of the robbery.
2. Policy to first relative risk takes into account both the insured value, which appears to be the maximum compensation that can be obtained from insurance, both the value of insured property (insurance value). In this case the goods are insured at greater risk of theft. But if at the time of the theft, we find that the insurance value exceeds the value indicated in the policy is applied to the proportional rule.
3. First loss insurance policy: the most widespread and usually more convenient because it does not take into account the total value of goods in your home. In this case, the insurer agrees to pay damages to the insured value if necessary, even if it is lower than the total value of insured property. Not apply then, the proportional rule.

Tags : Insurance
Categories : Insurance