There are many forms of insurance policies that deal with different risks and different types of coverage. One of the most common forms of insurance, which can be taken from a person, household insurance. Household insurance itself can present themselves in many different forms. Household insurance usually reporting on the physical structure of the house and extends to damage caused by fire, corrosion, water damage from faulty plumbing, etc., but rarely detected before Hausratversicherungen high water as a natural disaster. The reason for this is that most insurance companies do not have that large amount of people who cover the claims after the great floods and development. Special insurance can be taken out to cover a house from flooding as a result of a natural disaster, but such insurance plans are very expensive, especially if the insured person in an area which is subject to hurricanes, tropical storms and generally is at risk of flooding .
In some cases, home insurance only to cover the physical structure of the house must, but it is not necessarily the case. Many household insurance policies also include the contents of the house. In fact, between this form of insurance and car insurance, they are the two forms, which have priority and will tend to be taken in the first rule. If the household effects, the contents of the house extends is taken, there are a number of procedures that must be followed and a lot of factors that influence the policy and reporting. This is all so that is insured by the insured, or under-insured or not. The insured is obliged to compile a list of all the contents of the house and the purchase price of the contents individually, so that, if a claim is asserted, the exact value of the element is known.
Certain factors that affect the risk of insureing a house and its contents in general also affect premiums paid by the insured. Examples of factors that may affect the price of premiums, the location of the house, the crime rate in this area, how far is the house of a fire, etc. In the past, certain factors are, the better is the security of a house and in turn the risk of the policy would also be on the premiums of the insured, by an effect they paid down. If a house had electric fence around it, for example, insurance premiums would be reduced. This is hardly the case. Very few insurance companies actually lower insurance premiums with the installation of more security, but many insurance companies have minimal security, before providing insurance. One of the most important requirements is that the burglar insurance for all windows that are open. It is also necessary for plumbing and electrical installation done by certified professionals.
It is not as popular as other forms of household insurance it is possible to take out liability insurance, which applies to an individual property to get. This essentially means that the owner of the house for the injury which may occur on the property is covered. Depending on the type of insurance policy that only the owner and occupant, or may also refer to any person who is injured while on the property, apply.