When purchasing a new home, we only focus on the most optimistic perspective, but accidents do happen.<\/p>\n\n\n\n
WHICH IS?<\/p>\n\n\n\n
Home contents insurance is a guarantee of compensation in the event of damage, theft or theft of what you have inside your home, and is not mandatory, however, depending on the policy, it may be included in the multi-risk insurance.<\/p>\n\n\n\n
WHAT DOES IT COVER?<\/p>\n\n\n\n
Home contents insurance covers a portion of the total value of the goods you own in your home. Coverage varies between insurers, but the claims considered tend to be similar:<\/p>\n\n\n\n
Theft or robbery<\/p>\n\n\n\n
Part of the value of goods that have been stolen from within the home, as well as materials that have been damaged by a burglary, such as doors, windows or locks, will be covered by insurance.<\/p>\n\n\n\n
Serious damage<\/p>\n\n\n\n
It covers damage to property caused by natural disasters, acts of vandalism, floods, and even the collision of vehicles against the house.<\/p>\n\n\n\n
Less serious damage<\/p>\n\n\n\n
Certain home contents insurance also cover damage caused by falling and breaking objects, damage caused by smoke or heat, among others, depending on the coverage contracted.<\/p>\n\n\n\n
Civil responsability<\/p>\n\n\n\n
Home contents insurance also covers damages caused to third parties, namely by objects falling into the house or injuries caused by falling walls, for example.<\/p>\n\n\n\n
WHAT DOES NOT COVER!<\/p>\n\n\n\n
Almost no contents insurance covers a theft if it is proven that it was carried out by someone connected to the insured (a family member, an employee or a visitor, among others), such as cash theft in which, in this case, they are normally excluded from the coverage. .<\/p>\n\n\n\n
Finally, note that home contents insurance will not cover damage caused by a claim that is already covered by another insurance policy where the same goods may be included, only one policy is triggered.<\/p>\n","protected":false},"excerpt":{"rendered":"
When purchasing a new home, we only focus on the most optimistic perspective, but accidents do happen. WHICH IS? Home contents insurance is a guarantee of compensation in the event of damage, theft or theft of what you have inside your home, and is not mandatory, however, depending on the policy, it may be included […]<\/p>\n","protected":false},"author":4,"featured_media":695,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[10],"tags":[],"class_list":["post-759","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":{"name_author":"Valter Aleixo","link_author":"","social_author":""},"_links":{"self":[{"href":"https:\/\/homesphere.pt\/en\/wp-json\/wp\/v2\/posts\/759","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/homesphere.pt\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/homesphere.pt\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/homesphere.pt\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/homesphere.pt\/en\/wp-json\/wp\/v2\/comments?post=759"}],"version-history":[{"count":1,"href":"https:\/\/homesphere.pt\/en\/wp-json\/wp\/v2\/posts\/759\/revisions"}],"predecessor-version":[{"id":761,"href":"https:\/\/homesphere.pt\/en\/wp-json\/wp\/v2\/posts\/759\/revisions\/761"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/homesphere.pt\/en\/wp-json\/wp\/v2\/media\/695"}],"wp:attachment":[{"href":"https:\/\/homesphere.pt\/en\/wp-json\/wp\/v2\/media?parent=759"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/homesphere.pt\/en\/wp-json\/wp\/v2\/categories?post=759"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/homesphere.pt\/en\/wp-json\/wp\/v2\/tags?post=759"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}