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What does civil liability cover in Home Insurance?

Civil liability can cover both the content and the container of the home. © Freepik

If you have Home insurance that includes liability coverage or if you are thinking of subscribing to a policy of this type then this guide is for you. In it, we will tell you what this guarantee is about, what damages it covers and the possible exclusions that it may present. Do not miss it!

Although having home insurance is not an obligation unless you have bought your house through a mortgage, the truth is that more and more decide to protect their property against possible claims.

In this sense, there are several types of Home insurance, where each one presents its characteristics and coverage. They range from the most complete, such as Multi-risk policies to the most basic, such as Civil Liability insurance.

Today we will talk about the latter, an extremely important coverage but not everyone knows what it is about. Let’s review its main aspects below:

What is liability coverage in Home Insurance?

The most important thing about civil liability coverage in Home insurance is that it covers the damages that you may cause to third parties, whether they are people or material things, in the area of ​​your private life.

For example:

  • Your kids play ball and break a neighbor’s window.
  • You live in an apartment and thanks to a water leak you have caused a leak on the floor below.
  • You’re doing home renovations and you’re blowing a hole in your neighbor’s roof.

There are many situations in which you can be responsible for the damage to other people and in these cases is where civil liability acts.

What does civil liability cover in Home insurance?

open tap
© Pixabay

The coverage of civil liability in Home insurance will depend on the formula you have chosen at the time of subscription.

As we mentioned before, when contracting this type of policy you can choose to insure only the continent or the container and the content.

Depending on the option you have chosen, the coverage will be the following:

Continent coverage

  1. Damage caused to other homes due to water problems on your property (broken pipes, water leaks, floods, etc.)
  2. Damages caused to a third party caused by any element of your home.
  3. Damage caused to third parties while carrying out work on your home.

Content coverage

  1. Damages that you may cause to third parties, both inside and outside your home.
  2. Some companies cover the damages that the employees of your house or even your pets may cause to third parties.
  3. There are also insurers that cover damages caused to third parties in the performance of your non-professional and sports activities.

Legal coverage

Regardless of the way you have decided to hire, the legal defense of the insured is usually included in all civil liability insurance.

This coverage is activated in the event that, after a claim, a third party makes a claim against you.

What are the exclusions of liability in Home insurance?

More than exclusions, liability coverage in Home insurance sets certain conditions that must be taken into account when requesting compensation for a claim.

Most insurers will not proceed with the coverage if the damages have occurred intentionally or if they have been the result of recklessness on the part of the insured.

Tips to Compare and Choose the Best Home Insurance

Organizing your ideas is a very important factor when comparing home insurance. © Freepik

Today, the home insurance market is increasingly broad and competitive. Given that, and to make a good choice, it is essential to compare the offers and evaluate the characteristics and advantages that each policy presents. Take a look at this guide and learn how to do it!

If you are about to leave your old apartment for a larger and more comfortable one or if you have just bought the house of your dreams, perhaps you have already prepared yourself for all the procedures that you will have to undertake to leave everything in order.

Contract signatures, on the one hand, formalities on the other. Register electricity, find an Internet plan, and change the address in front of the different banks.

However, you are forgetting a much more important task: your home insurance. But, how to compare all the offers and thus save when hiring a room policy?

Follow these practical tips:

Find out about the universe of Home insurance

Before making any important decision and in any area of ​​life it is necessary, first of all, to inform yourself in-depth about the subject under discussion.

For example, when buying your new house you had to define your needs, study the different forms of thermal insulation, heating.

You also had to find out about the city you chose to live in and if there were shops nearby or means of public transport.

In the case of a policy for your house, the same thing happens.

Without knowing your needs and without studying the different types of home insurance proposed by the market or the exclusions that they may present, it will be difficult for you to make a good choice.

So, let’s list the list of information that you should handle before starting to compare.

  1. Needs and characteristics of your home compared to an insurance policy.
  2. Types of home insurance that are marketed in the market (Damage Insurance, All Risk, Multi-risk Insurance ).
  3. Types of coverage of Home insurance (damage to the continent, damage to contents, civil liability in Home insurance).
  4. Special coverage ( electrical damage in Home insurance, flood coverage in room policies, etc.)
  5. Calculation of the content of your home.
  6. Exclusions in Home insurance.

While it is true, there are quite a few points to retain, do not forget that once you have informed yourself you will be prepared to be able to compare the different policies without doubts or hesitations.

Look for companies and types of policies that interest you

Once you have already informed yourself about the different topics that make up the hiring of Home insurance, it is time to look for the insurance companies and policies that may interest you.

At first, you will look for those alternatives that have caught your attention due to some particular factors.

We advise you to pay attention to the following points:

  • Trust you feel in the company.
  • Guy is sure proposed.
  • Premium price

Try to make this first search superficial and do not go into all the details of each chosen insurance. Do not forget that in a fourth stage you will be able to internalize more about each one of them.

Search the Internet, specialized sites, and any other medium that helps you obtain a broad and complete view of the offers offered by the market.

Do not abuse the number of options you choose. Having five Home insurances that correspond to two or three different insurers is more than enough to carry out an in-depth study.

Organize each of the options held

person comparing home insurance
© Freepik

Once you have already obtained your first results and you have chosen the policies and insurers that catch your attention, it is time to do a little manual work that will help you organize your ideas.

The idea is to create a comparison chart where all your options are organized.

Here is an example that you can use as a model:

Home Insurance Comparison
Insurance carrierPolicy typeCoverageExclusionsYearly feeObservations
 one.
 two.
 3.
 Four.
 5.

This table will help you to have a clearer idea when studying in depth each of the proposals.

Once you have created your table, you can discard those options that do not suit your needs.

Find out in-depth about each of them

In this, you should carefully read each of the policy contracts you have selected and (why not?) Contact the insurers to clarify any questions you may have.

The special conditions in Home insurance contracts are usually very different from each other and it is good that you have everything clear from the beginning.

Negotiate with the company

If you have already made a decision regarding the insurance you want to take out, it is time to contact the company and see what they offer you.

On many occasions, insurers can make interesting offers to their future clients. Don’t miss your chance to make a profit!

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