They stole my house! Find out how home insurance covers you and compensates in this case
Just as it is possible to insure your car in case of theft, you can also do it with your home, which in one way or another will allow you to be calmer before any possible accident.
Among the different coverages that are included in home insurance, theft is present. In this sense, you may not only ensure the foundation of your home, but also the content in it.
At the time of requesting home insurance
You will have to provide the insurer with an inventory of your assets, that is, a list of all the content that will be insured, this will be used to determine the compensation value in the event of an accident The new goods that you acquire after getting insurance can be added, you only have to declare them semiannually.
If a robbery occurs and you did not provide a statement of your assets, the insurer will ask you for the bills or invoices of the assets to be indemnified, this in order to justify their existence. In case you do not have them, you can also present other evidence, such as photographs or the marks they left in the place where they were.
In addition to filing the police report
So, if your home suffered a robbery, what you should do – in addition to filing the police report – is to contact your insurer and this will send an agent to your home so he can verify what happened. Insurers have a response period that varies between 48 to 72 hours, but this can increase if the values to be compensated are extremely high amounts.
Once your case has been evaluated and the loss of the declared objects is verified, the insurers apply the depreciation values (how long it has been since you insured the goods, in which state they were, etc.) to identify the amount of corresponding compensation . Each insurer has its own criteria, but once it is reviewed, you will receive the compensation corresponding to the insured content.
Many people believe that alarms and security guards are sufficien
When it comes to protecting their home, however, by passing through these security measures, but one will take care of the losses. Because of that, home insurance is the best alternative to protecting your home and content not only against theft, but different threats.
Remember that prices vary, so it is advisable to compare the alternatives before deciding.