Home insurance is a type of insurance that guarantees the integrity of a home and many other elements specified in the contract. This type of insurance, although not required by law, can be very useful to homeowners. The home insurance policies usually have numerous terms and conditions. It is thus very important for any homeowner to be familiar with the peculiarities of this type of insurance to subscribe correctly to the protections that are necessary. In addition, these contracts may also include specific clauses for exceptional cases such as condominiums or rental.


A house is undoubtedly an element of heritage value. Taking out a home insurance serves as the protection of heritage and place of a person’s life and his family. This shows the great importance and necessity of getting a home insurance for each owner. Thus, in case of fire or destruction, the owner is sure to be compensated for his damages, not to lose their heritage because of destruction or of a particular fact, such as a theft or a natural disaster .

The items covered by the insurance

The home insurance policy has many constraints and details that can sometimes make it difficult negotiation and signature. Several elements of a dwelling may be considered by an insurance contract. The main purpose of the insurance contract is the property itself. This is the building used for housing and its various integrated components such as elevators, ceilings or wallpaper.

The contract may also open up to other components of the home, and can include dependencies. Specified in the contract, the dependencies can be covered provided that their construction meets the technical standards accepted by the insurer. Terraces and enclosure walls are also interested in these insurance policies so they must be identified and described in the contract to be insured. Extended warranties are also available for homeowners who want to ensure their garden or pool. Regarding personal property, they must be specified in contracts to be covered by warranties. It is the same for valuables.

However, for objects of great value, it is better to enter into another contract that allows a specific guarantee compensation for destruction or alteration of your property. The last category of property that may be included in home insurance is that motor vehicles which must be specified in the contract even if the warranty is usually effective only under certain conditions, such as fire or explosion. Finally, the home insurance policy can also cover liabilities towards third parties for damages caused by events specified in the contract.

The cases considered by the insurance

Home insurance offers special conditions in the case of owners who use their property for rent or condominium and in case of insurance purchased by the tenant. In the case of an owner who puts his rented house, he can take out insurance to protect their building and to cover responsibilities towards the tenant and the tenant’s neighbors. This subscription is not mandatory but can be very useful in case of problems with the tenant or third parties. In case of joint ownership, the insurance may already be established in a common name, but an owner may request a contract additional staff to cover personal property and personal liability. In the case of a tenant, he is obliged by law to purchase insurance. This subscription is a condition of maintaining the lease and any lack of insurance can result in the termination of the lease.