Home insurance provides a solution to some of the problems posed, unexpected situations that can mean a big cost for a large family if you do not have an insurance.
The purpose is to cover any unforeseen event that may arise inside or outside your home, both parents and children, protecting the material assets of the house, personal belongings and any damages you may cause to a third party.
At the end of the day it is about offering tranquility and security.
It is important to bear in mind that children cause damage both inside and outside the house, so there is the possibility of extending the insurance to cover such damages.
What a large family must ensure
Any home insurance revolves around two concepts:
The continent: includes housing itself, its physical structure and its dimensions.
In other words, walls, doors, built-in wardrobes, bathroom, kitchen, as well as any other fixed element or that is inside the walls as the electrical wiring, will be part of the continent.
The content: it is everything that is not the continent and you can take it with you if one day you change your apartment or house.
So, we must take into account the furniture, appliances, electronic equipment, clothing, decoration, jewelry, etc.
In addition, you must take into account Civil Liability. This coverage is not limited only to the insured, it is also extended to the damages that may be caused by their children, spouse, household employees and all those people who live in the family home and depend economically on the Insured as “head of the family”.
In addition, something that is increasingly known, also cover the damage caused by pets that you own.
In the case of homes with children, it may be interesting to have a home insurance that covers the content and civil liability that may be incurred in the event of an accident.
For example, to cover the cost of repairing or replacing a television broken by a blow, or by a flood caused by leaving an open tap, typical cases of accidents in homes with children.
How the insurance price is calculated
To calculate the price of a home insurance for a large family, certain criteria are used that give an approximate value to the real one. Some of these criteria are:
- Live in a city or town
- In a flat, detached house, detached …
- Square meter
- Year of construction
- Construction quality
- Security measures
- Value of furniture, appliances, clothing, …
There are objects that must be individually valued and specified in your insurance such as jewelry or certain objects of special value such as paintings, art collections or similar.