Home insurance: find out if it's worth hiring the service

Adherence to the home insurance can offer a number of advantages, especially if you want to keep unexpected events out of your routine.

This is because, among the proposals on the market, there are some that even offer coverage against electrical damage or even losses after the property rental process.

In today's article, we'll discuss this topic in detail to understand the main advantages of this service. Stay tuned!

Home insurance: discover the service that promises to protect your home against damage and theft 

Taking out home insurance is highly recommended for anyone who wants to avoid headaches with their property.

This is because this service promises to offer coverage for common problems, which tend to cost a lot of money when they occur unexpectedly.

Only those who have experienced electrical damage caused by lightning know the financial imbalance this can cause, and the same goes for roof damage caused by rain, for example.

But don't think that home insurance is only for everyday situations, as some of the coverage options on the market include:

• Insurance against theft or assault on the property;
• Fire;
• Damage caused by natural disasters;
• Civil liability: coverage for damage caused to the property by third parties;
• Assistance for unexpected damage, such as short circuits or broken glass, for example;
• Technical assistance for household appliances;
• Between others.

It's worth mentioning that not all of these services will be included depending on the insurance you choose, but you can find very comprehensive options on the market, depending on the amount you're willing to pay.

In any case, the idea of home insurance is to protect you against financial losses caused by damage to your property.

How much does home insurance cost on average?

By now, you already have an idea of how home insurance works. As we've seen, it's a service focused on preventing damage to your property that could lead to financial losses.

We've also seen that coverage for this type of service tends to vary greatly, so each company determines what types of damage are included in the package.

Therefore, determining how much home insurance costs may not be a simple task, as the price varies depending on the company and the coverage, so the more comprehensive the insurance, the higher the price tends to be.

If you want a simpler home insurance policy, one that only covers basic damages, you can find prices starting at R$ 400.00 per year.

However, if you want a more complete option, prices generally vary depending on the property's market price.

Therefore, for more comprehensive insurance, the values usually range from 0.3 to 1% of the total value of the property.

It is important to note that this price is equivalent to a single payment, so it is possible to divide it into monthly installments, depending on the broker's conditions.

Read also: Sicoob Insurance – Check out all the options – Valor Notícias.

Advantages of hiring this service

The decision to take out home insurance may not be so simple, especially for those who have never done so before.

Therefore, we will now look at some advantages of purchasing this type of service.

Count on security features for your home 

Most home insurance policies offer customers security features for their property to ensure effective coverage.

Therefore, depending on the option chosen, you may receive security cameras or even more complex systems.

Daily maintenance services

Especially for those who opt for more comprehensive insurance, brokers often include some day-to-day maintenance in their services.

As a result, many customers benefit from services such as gutter cleaning, glass replacement, electrical panel repairs, and even technical assistance for specific appliances.

It's worth noting that this isn't always the case, as the cheapest options on the market tend to include only the most basic items, but if you're willing to invest, you can count on some extra amenities.

Don't worry about unforeseen events 

Unforeseen events related to real estate can be quite problematic, especially for those who hate going over budget.

This is because last-minute home maintenance is not usually cheap, not to mention robberies, which can cause even greater losses.

So, home insurance helps you keep your bills up to date, as you will be protected in the event of unforeseen events.

Does the service have any disadvantages?

After discussing the advantages of homeowners insurance, it's common to wonder about the disadvantages. After all, do they really exist?

In general, the perception of disadvantages of this type of service depends on the experience and possibilities of each client.

This is because some may consider the cost of insurance to be too high, while others may not see the point, as they have never had an incident that justifies the investment.

Furthermore, depending on the insurance purchased, coverage may be low, resulting in the customer being dissatisfied.

However, all of this can be resolved by finding the ideal proposal based on the profile and needs of each consumer. 

How to choose a good home insurance?

Finally, all that remains is to talk about choosing home insurance itself, because as we've already seen, the experience with the service varies depending on the option chosen.

Nowadays, it's quite simple to find good deals on the market, so many financial institutions offer options.

Therefore, the real secret is to assess the needs and demands of your property, as well as considering your available investment funds.

This way, you'll be able to find a proposal that suits you perfectly, without breaking the bank or causing dissatisfaction with the coverage.

So, if you enjoyed learning about the service, do some market research to find the ideal solution for your property!

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