Since home insurance is compulsory, there is a profusion of offers on the market. The most difficult will be to identify the best contracts combining competitive prices without compromising on the quality of the guarantees. By using certain criteria and the right techniques, it is easier to find the best multi-risk home insurance.
Multi-risk home insurance (MRH) is a multi-guarantee protection that is essential to secure a family patrimony against claims as effectively as possible. This type of contract has two parts. On the one hand, a civil liability guarantee which compensates third parties for the damage caused to them by the owner, his heirs or his pets. On the other hand, MRH insurance also has protection dedicated to the building itself as well as to movable property. To find the best contract, the priority is to focus on the guarantees offered by the insurance company.
In principle, the offer must systematically include guarantees for water damage, fire, glass breakage, theft, vandalism and natural disasters. It is quite possible to add additional options according to the needs and budget of the insured. Indeed, the expectations will not be the same for a tenant, an occupying or non-occupying owner who lives in an apartment or a house, who wishes to insure his main dwelling or his secondary residence and who has or does not have dependent children. Among the optional guarantees usually offered by insurers are legal protection, home assistance, outdoor equipment, electrical damage or even school insurance.
The quality of multi-risk home insurance also depends on the prices imposed by the insurer, which will vary according to several criteria, starting with the profile of the insured. The company will in particular be interested in his marital situation, his age, his number of dependent children as well as his professional situation. It must also know the legal status of the subscriber:owner, tenant, occupant free of charge or non-occupant owner. The characteristics of the accommodation also play a fundamental role in pricing.
The price will depend on the type of dwelling (house or apartment), the surface area, the existence of annexes, the number of rooms to be insured as well as specific equipment such as the fireplace, the photovoltaic panels or the swimming pool. The use of the property is also taken into account in the same way as the value of the valuables and movable property found there. On average, the cost of an HRM is estimated at 20.90 euros per month or 251 euros per year according to official figures from the French Insurance Federation.
Going in search of the best MRH insurance is not easy. The first technique to use to achieve this is to contact each insurance company one by one on the phone to find out the price of the contract according to the guarantees. As this task can be time-consuming, it is possible to save more time by requesting quotes on the internet through online comparators.
These tools allow you to compare the price and guarantees of different contracts offered by several insurers at a glance. Fast, free and simple, this solution is adopted by many consumers who aspire to access the best home insurance without too much difficulty. If they have not achieved their objective by this means, the insured can also contact an insurance broker who offers more personalized support.
