If household insurance does not exist, it can be very expensive.
If, for example, the entire furniture is destroyed in a fire and the fire does not stop at assets and electrical appliances, all of these must be replaced. The costs for this are usually in the five-digit range. Household insurance has the advantage that it insures at replacement value. This means that you can expect to get equivalent devices or their value replaced.
The insurance covers damage caused by fire and water, theft and elementary influences. Burglary damage is also insured.
Protection outside the home
Insurance companies are all too often concerned with replacing the value of stolen bicycles. Anyone who travels by bike more often and also connects it to a public place would do well to use the building block - simple theft abroad? to be included in the insurance. Because: With this it is possible that the carefully connected but stolen bike is replaced in terms of value.
Many bike owners have bought a new bike after theft, which was immediately stolen from them. This could get expensive!
Protection outside the home also applies to handbags and notebooks or other devices and valuables.
Burglaries are increasing
Police and insurance companies complain equally that the damage caused by break-ins continues to increase. Such cases occur again and again in places or areas that were previously considered to be very safe. Nobody is really protected against burglary! In the event of a break-in, there is often great damage. The perpetrators have no regard for the furniture and are often extremely ruthless when looking for valuables. They willfully destroy everything that gets in their way.
The financial and personal damage is thus much higher and cannot be quantified by the amount of the goods actually stolen.
In view of the fact that such crimes are on the rise, household insurance is almost mandatory. In the event of an emergency, it protects against the costs of burglary and partial vandalism and at least offsets the financial loss.
Conclusion: It is better not to do without household insurance!
Understandable if someone wants to save on insurance costs. However, it is completely incomprehensible when it comes to household insurance! Anyone who has ever experienced such a damage event and was not insured will agree to it. After all, household insurance also protects against lightning and the risk of damage due to a lightning strike grows in view of the constantly increasing weather phenomena.
However, you should first look at the offers for household and personal liability insurance in the Compare household and liability insurance comparisonbefore you contact an insurer and are asked to sign the contract.
