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UK News Burglary: What is reimbursing home insurance?

12:45  06 september  2021
12:45  06 september  2021 Source:   lejournaldelamaison.fr

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Contract home insurance is a necessity that can save you if you are well covered. Indeed, no one is safe from a disaster and home insurance also covers other damage that can undergo your home: fires, water damage, explosion, etc.

media-cambriolage-habitation-rembourse-assurance-quoi © Provided by the Journal de la Maison Media-CambrioLage-Housing-Reimbursement-Insurance-What

Contract a home insurance is a necessity that can save you if you are well covered. Indeed, no one is safe from a disaster and home insurance also covers other damage that can undergo your home: fires, water damage, explosion, etc.

Focus on the obligations and responsibilities of the owner and the tenant in the field of home insurance, and the conditions of compensation in case of burglary.

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Owner's obligations in terms of home insurance

The owner who occupies his housing is no obligation to take out home insurance, unless the housing is in a condominium (in this case, the subscription to insurance civil liability is set).

However, it is strongly advised to subscribe to cover itself, since that covers a home insurance is not limited to burglary, but indeed all the accidental risks that your property can incur .

  Cambriolage : Que rembourse l’assurance habitation ? © Provided by the Journal of the house

Moreover, it is important to know that additional guarantees are provided by the insurers, and may be useful in certain situations: school insurance, legal information, assistance in case of displacement ...

The non-occupying owner has the responsibility of require the underwriting of home insurance to its tenants . If despite the formal notice, this request is left without a continuation, it has the right to subscribe a contract on behalf of the tenant and to be refunded in the monthly rent. It is also possible to terminate the lease when a clause of the insurance contract authorizes it.

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The tenant's obligations against his insurance

The obligation to subscribe to home insurance is only planned for the tenant. This is stipulated in Article 7 of Law No 89-462 of 6 July 1989 on rental reports, and must be respected as soon as the lease is signed. In this context, the tenant will have to give a home insurance certificate to the owner. In case of non-compliance with this obligation, the owner may send a notice to his tenant.

Under what conditions do home insurance covers theft and burglary? You can reimburse you in case of flight or burglary, you must declare the flight with your insurance company within 2 days of taking note of contacting a copy of a receipt of the filing of complaint with authorities. To support the request, an inventory of stolen goods will also be necessary. Note that

the goods covered are those inside the house and actually belong to the occupants

. Those in the courtyard or garden will not be compensated. The amount of compensation will subsequently be defined

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according to the obsolescence coefficient of the good

, but will never exceed its value at the time of burglary, nor that of its starting insurance. Of course, the contracts feature clauses, which may differ from insurance to another. However, some points are generally immutable. Among the cases of repayment exclusion generally noted, for example, we can note:

The burglaries perpetrated by a family member.

Burglaries not statement of an offense.

The flights committed during a period of vacancy (to be seen according to the terms of the contract).

Support for valuable objects, if their value exceeds the amount initially provided for in your insurance contract.

Note that most insurance companies require the presence of a break-in to prove the flight, and very few of them receive the use of false keys. Similarly, they often provide for exclusions of guarantees, particularly for the flights committed by family members or during the suspension periods of the warranty (holidays for example).

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