Summary
- How to choose the best home insurance?
- What is the best home insurance according to my profile?
- What is the best price for home insurance?
- Home Insurance Survey Results
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| How to Choose the Best Home Insurance? |
How to choose the best home insurance?
To choose the best home insurance, you must take stock of your needs. What guarantees are important for your home (electrical damage, outdoor equipment, garden guarantee, legal protection, etc.)? Will a simple Civil Liability guarantee suffice? Or do you need a slightly more upscale contract with multi-risk home insurance?
Once you have identified your needs, compare! For this, we recommend online insurance brokers, such as Reassure Me, who compare the best home insurance offers for you. No more need to go to an agency, no more need to pay for a service. With the online broker, you save time and money since the agent handling your file is impartial and committed to finding you the best contract.
Once several insurance quotes are presented to you, all you have to do is choose the one you prefer. Look at the guarantees included to make your choice, as well as the exclusions of guarantees, the deductibles and their amount, the ceilings of compensation, and the waiting periods.
What is the best home insurance according to my profile?
Your insured profile matters in your search for the best home insurance. Whether you are a furnished or unfurnished tenant, roommate, occupying owner or non-occupying owner, student, or living with your family, your needs differ. In a main residence or a secondary residence, expectations can also vary.
So, if you have children, additional coverage such as school insurance could perfectly complement your coverage needs. If you are a student with a tight budget, you will probably need to opt for a simple Civil Liability home insurance, at a more attractive price, rather than a more expensive multi-risk home insurance. Owners can benefit from “head of family liability”, which protects against damage caused by a loved one, or by oneself, to a third party, and protects goods and objects against various damages.
If you rent accommodation, you must take out tenant home insurance to secure the owner of the accommodation and compensate him in the event of damage. You must also be covered in the same way if you are sharing a flat.
What is the best price for home insurance?
The price of home insurance is specific to each accommodation but also personal to each profile of inhabitant: owner occupant, non-occupant, tenant of furnished or unfurnished accommodation, occupant free of charge, resident of a position, co-owner, etc. The number of claims the person has had to deal with in the past is also an important piece of data. This allows insurers to estimate the risk of negligence, for example.
Thus, home insurance for the tenant of a 20m2 studio in Paris, without adding optional guarantees, comes to around €8 per month. But make no mistake, this rate can vary greatly depending on your region, your home, your profile, and insured liabilities.
Home Insurance Survey Results
Contrary to popular belief, home insurance (MRH) has good press! According to a study carried out by UFC Que Choisir, the overall satisfaction rate of MRH policyholders, all insurers combined, is 94%. A very high level is rarely reached for other sectors/professions.
Thus, 86% of people questioned (ie 10,191 people out of 11,850) find home insurance and their insurer's explanations very understandable. Regarding the price of the MRH, and despite the recurring increases in recent years, 80% of them find the amount of their premium justified.
It is in the relationship with their customers that insurers achieve the best score: 91% satisfied. A rather logical result because once the contract has been signed, and in the absence of a claim, the insured has no reason to contact his insurer. In the event of a claim or termination of home insurance, 84% of respondents are satisfied with their dealings with the insurer.
Home insurance, on the other hand, is lacking in terms of compensation for a claim. The average compensation for a fire is €7,100 and for a burglary €1,800. One out of 4 policyholders believes that this reimbursement is not commensurate with the damage suffered.
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