With each move, when buying or renting a home, the question of home risk The Woodlands insurance companies arises. It is indeed the moment to replace, with his usual insurer, the old contract by another in order to adapt it to the new situation, even to test a new insurer. But out of any change of housing, one can also ask the question of the choice of his home insurance every year, and more reasonably every 3 years, a rate at which one has interest to take stock of its guarantees, its ceilings compensation, the deductibles applied in the event of a claim, or even the ancillary services offered by its insurer.
AN INSURANCE COMPANY OR MUTUAL INSURANCE COMPANY?
The choice is wide between insurance companies, mutual insurance companies but also banc assurance networks. Between the two, it is the business model and the philosophy that change, even if, seen from the outside, the products and advertisements of each are more and more alike.
The anonymous insurance companies (they still talk often The Woodlands insurance companies) are private companies governed by the Insurance Code which aim profit taking and redistribution thereafter to shareholders. They offer their services to clients who sign a contract. These are, for example, Allianz, Aviva, Axa, and General.
The mutual insurance, such as Groupama, Maaf, Macif, MMA … have the status of civil society nonprofit. They reinvest their profits for the benefit of all their members or members. Indeed, they do not speak of customers but of members who adhere to a contract (they do not subscribe). They are also governed by the insurance code. Be careful not to confuse them with mutual societies governed by the code of mutuality claiming also a non-profit, but intervening only in the field of health and welfare.
The banks , for example, BNP Paribas, Credit Agricole, Credit Mutual, The Post Bank, Societe Generale … also market insurance contracts but through insurance companies, subsidiaries or not.
LARGE AND SMALL BRANDS
private companies and mutuals, without forgetting the outsiders that are not always expected to cross in this sector, by example the large distributor Carrefour, but also insurers who, to lower the bill (at launch they were sometimes referred to as low cost insurers), operate only online or by phone via, inter alia, comparator sites. They are most often subsidiaries of major retailers. Among them, Alloassurances.com (April group), fha-info.com (Allianz group), Amaguiz.com (Groupama / Gan), Direct Insurance (Axa group), Eurofil.com (Aviva group), fha-info.com (Maaf). Savings for those who can do without help to sign a contract or file a claim.
A SUBSCRIPTION DIRECTLY OR THROUGH AN AGENT, A BROKER?
Once the ethical choice is made between private and mutual insurance companies, the behemoths and the small ones, it remains to opt for a distribution network: to address directly to the company which proposes a contract via its site or its offices; go through an insurance agent, an independent professional practicing the activity of intermediary on behalf of a specific insurance company from which he has received a mandate in a given geographical area; make an appointment with an insurance broker, an independent merchant representing several insurance companies, and even mutuals, and acting as an intermediary between them and an end user; click on one of the many comparison sites, more and more present on the web fha-info.com …), but not so neutral that because, unlike our independent comparator , they only work with partner insurers (mostly small companies) who pay them when a user clicks on an offer and comes into contact with them or when he signs a contract through them. It all depends on the agreement signed between the site and the insurer. In any case, on these sites, contrary to what some people suggest, we never have access to the exhaustiveness of the multi-risk housing offer of the market.
In the end, for a more personalized advice, it is better to subscribe or join directly with the actor of his choice, in one of its offices, one of its agencies or via a broker. Without question, it is with the latter that we will be the best informed and the most reassured since, working for several companies, he is supposed to point out the strengths and weaknesses of one contract over another, the options ( more information about optional guarantees ) and services that are useful for a particular profile … Being paid by the insurer (in fact, the latter cuts its commission to pay for it), it will not cost more expensive for the client or for the subscriber (same for the mode of remuneration of insurance agents).
CHECK POINTS BEFORE SIGNING
Whatever the choice, it is absolutely essential not to focus on the only amount of the premium: on average 150 € for the apartments and 250 € for the houses, with big disparities according to the size of its housing but also its region. It is necessary to look closely at the ceiling of the guarantee, the franchises (the part remaining to load of the insured person in the event of settlement of a disaster), to sort out between the guarantees and the useful and useless services, but also and especially, exclusions of guarantees which are enamelled contracts. These exclusion clauses are often rejected at the bottom of the page, in lowercase characters or in subtle terms that can not be easily understood by non-lawyers specialized in insurance law.
SOME BASIC TIPS TO MAKE THE RIGHT CHOICE
Evaluate precisely the rooms in the dwelling. Attention, according to the contracts, is considered as main room a surface starting from 7 or 9 m 2 . Kitchen and bathroom are not counted in the number of rooms, however, attic converted into living rooms or mezzanine are part of it and rooms of more than 40 m 2 usually count for two.
Calculate the value of his assets to guarantee. Better to overestimate and be well covered than to minimize for a cheaper premium. Do not forget to keep proof of purchase and photos of his property in case of disaster.
Check the ceilings for the guarantee of his valuables such as jewels, works of art … this ceiling is different from the general ceiling and always limited.
With the water damage guarantee, check that the leak detection costs are included because such investigations can result in large expenses.
As part of the flight warranty, consider the protection requirements of openings: shutters to windows, 3-point security locks, alarm.
In case of frequent absence from home during the year (periods beyond 90 days over 12 months, in general), negotiate so that the clauses of inhabitation are suppressed to be always covered in case of burglary in particular but also water damage.
If you live in an area where thunderstorms are common, consider covering your equipment against electrical damage.
When his house is equipped with a veranda, mirrors, fireplace inserts … a breakage guarantee is desirable and even essential.
Think also to cover by his contract the dependencies of housing, cellars, shed, etc., if we want what they contain.
If you have a garden, look at how trees, outdoor furniture, swimming pools, solar panels, heat pumps, wind turbines, etc. can be guaranteed, thanks to a “pack garden “or a” green pack “(for energy efficient installations).