Your home is much more than just a roof over your head: it’s a place to live, to reminisce and to feel safe. And yet, in the event of a claim – fire, water damage, theft – the financial consequences can be severe. Home insurance is there to protect you. It covers damage to your property and belongings, while giving you peace of mind on a day-to-day basis
At Insurcap7, we’ll help you to understand why this insurance is essential, and how to choose the formula best suited to your needs.
1. What is home insurance?
Home insurance is a protection contract that covers your home, its contents and your liability in the event of a claim. It is compulsory for tenants, and strongly recommended for homeowners, whether occupants or not.
This contract generally includes :
Property damage coverage (fire, flood, storm, explosion, etc.)
Theft, vandalism and burglary
Glass breakage (windows, bay windows, etc.)
Civil liability (damage caused to others)
💡 Good to know: Home insurance also protects you against damage unintentionally caused by your children, pets or household appliances.
2. Why is home insurance essential?
Whether you’re a homeowner or a tenant, a loss can happen at any time, and it can cost you a lot of money. Here’s why home insurance is essential:
✅ Financial protection
Water damage, fire or burglary can represent a loss of several thousand euros. Insurance covers repairs and replacement of damaged goods.
✅ Legal obligation
Tenants are legally obliged to take out home insurance. Without a certificate, the landlord can terminate the lease or take out insurance in your place, at your expense.
✅ Civil liability
If you cause damage to a neighbor (e.g. water leakage) or a third party, your insurer will pay compensation.
✅ Everyday peace of mind
With the right coverage, you don’t have to worry about the unexpected. Your home is protected, and so are you.
3. What does home insurance cover?
Home insurance policies generally consist of two main parts:
🔸 Basic cover :
Fire, explosion
Water damage
Natural disasters
Theft and vandalism
Glass breakage
Civil liability
🔸 Optional coverages (depending on your contract) :
24h/24 assistance
Theft of valuables
Electrical damage
Replacement equipment
School coverage (for children)
Swimming pool, garden shed, outbuildings…
👉 At Insurcap7, we work with you to build a personalized protection plan based on your type of home, your lifestyle and the value of your possessions.
4. Owner, tenant or co-owner: specific guarantees
👩💼 Tenant
Home insurance is mandatory to cover any damage you may cause to your home or neighbors. In the event of a claim, you are liable.
🏠 Owner-occupier
Although not compulsory, it is strongly recommended to protect your property. You are covered for damage to your property and to others.
🏢 Non-occupant owner (NOO)
If you rent a property, NOO insurance covers damage incurred when the property is vacant, or claims not covered by the tenant.
🧱 Co-owner
Your condominium is collectively insured for the common parts, but you must insure your private parts on a personal basis.
5. How to choose the right home insurance policy?
Here’s how to choose the right policy for your situation:
- Evaluate your needs
Take into account the size of your home, the value of your possessions, your neighborhood and potential risks (flooding, burglary…). The more exposed you are, the more you should be covered. - Analyze coverage
Compare basic coverage with optional extras. Some so-called “all-risk” packages offer extensive protection, but may not be necessary, depending on your profile. - Check compensation limits
Each cover has a reimbursement ceiling. Make sure that the amounts proposed correspond to the value of your goods. - Examine deductibles
The deductible is the amount you have to pay in the event of a claim. A low deductible = higher premium, but better compensation. - Pay attention to exclusions
Be sure to read the exclusions: certain claims, objects or circumstances may not be covered.
6. What to do in the event of a claim
In the event of a disaster in your home (fire, water damage, theft, etc.), here are the steps to follow:
Take emergency measures to limit the damage (e.g., turn off the water, call emergency services).
Report the damage to your insurer in good time (usually 5 working days, or 2 days in the event of theft).
Put together a complete file, including photos, invoices and witness statements.
Wait for the expert appraisal (if necessary) to estimate repairs and compensation.
Receive compensation in accordance with the terms of your contract.
At Insurcap7, our team will guide you through all the necessary steps to ensure your claim is handled quickly and efficiently.
7. Home insurance and valuables: not to be overlooked
Do you own valuable jewelry, works of art, high-tech equipment or musical instruments? It’s essential to declare them precisely in your policy.
There are two possible solutions:
Comprehensive insurance with specific extensions
Dedicated contract for valuables
If you don’t declare your valuables, they may not be compensated properly, or at all.
✔️ What you need to know
| Key point | Why it matters |
|---|---|
| Home insurance is essential | It protects you against costly contingencies |
| It is compulsory for tenants | And highly recommended for owners |
| Customized warranties are available | Fire, theft, civil liability, etc. |
| The contract must be tailored to your profile | Tenant, homeowner, student, family… |
| Compensation depends on ceilings and deductibles | Read the conditions carefully |
| It is possible to insure valuable goods | Mandatory declaration for proper reimbursement |
🔐 Ready to protect your home?
At Insurcap7, we offer:
✅ Personalized contracts
✅ A team of attentive advisors
✅ Clear, tailored guarantees
✅ A free, no-obligation quote
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