Multi-risk insurance / Home
Home insurance (usually multi-risk home insurance) protects the property and its contents against unforeseen events such as fires, floods, theft, or natural disasters, preventing potentially ruinous expenses for the household. In many cases, it also covers civil liability for damages caused to third parties and is a practical requirement for obtaining a mortgage or living with greater financial peace of mind.
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Heritage protection
A house is, as a rule, the largest investment a household has. Insurance allows for the repair or reconstruction of the property in case of fire, flood, storms, or other covered damage.
Multi-risk insurance can include contents insurance , protecting furniture, appliances, and other personal belongings against fire, theft, burglary, or certain accidental damage.
Reducing financial risk
Without insurance, a flood, fire, or significant theft can generate high costs that are difficult for a family budget to cover.
The premium paid annually acts as a risk transfer to the insurance company, guaranteeing compensation that allows for the replacement of goods and repair of the house without compromising financial stability .
Legal and banking requirements
In properties under horizontal ownership, fire insurance is mandatory by law , and in practice it is usually contracted in the form of multi-risk insurance, which is more comprehensive.
For mortgage loans, banks typically require at least fire insurance on the property used as collateral, and many institutions prefer or mandate more comprehensive multi-risk home insurance.
Peace of mind and additional services
Home insurance increases feelings of security, knowing that your home and belongings are protected against a wide range of risks.
Many policies offer home assistance (plumber, electrician, door opening, etc.), which facilitates the quick resolution of minor incidents or breakdowns without unexpected costs.
Includes liability coverage.