Because home insurance is not yet very popular in the country, most of People misunderstand its use, without knowing with certainty in which cases they are useful. Were they created only for those who have their own home? What is the point of earning one of these insurances if you live in a rented property?
Home insurance is dedicated both to insuring buildings
In this case, you must be clear that home insurance is dedicated both to insuring buildings (real estate) and its contents (all things that are inside), to different accidents, such as theft, natural disasters, fires, among others.
So, for those who live in a rented house or apartment, these insurances will have the same
importance as for the owners, since they can opt for the option of securing the content and not the building.
The insurer will make an inventory of your assets
When insuring the content, the insurer will make an inventory of your assets and their approximate value, keep a record and be able to make some compensation in case of any accident.
If during the time you are insured, you acquire new things of value and you want them to be protected, there is no problem. All you have to do is declare them so that they are included in the main list prepared by your insurer.
Another aspect to take into account
Is that many of the insurers ask you for a valued inventory of your assets, to verify that they really belong to you, or in any case, present the purchase tickets for them.
If an accident occurs, the insurer will review your case and the response can be given within 48 to 72 hours, depending on the company you have chosen, and the total amount of compensation.
If you are thinking of purchasing home insurance, remember that there are different policies and each
one handles different prices, depending on the protection and benefits they include.