Home insurance is vital to protect life contingencies, such as flood, fire, theft and damage. Choosing a home insurance is a decision that should be enough to make peace and knowledge. To know what we are choosing, it is important to have well researched the different options out there and we have. It is also important to assert in writing everything the company has given us word. Note that what appears not covered by the policy can not be claimed in case of a possible accident. Therefore, at the time of signing a policy and to avoid future trouble, you should remember the following:

  • Before signing the application, read the policy carefully. So you can be sure that the data contained therein are accurate and that no information that could hurt you later erroneous. Take the time you need to analyze every word, especially the fine print of the policy. If you put pressure on you to sign the policy quickly and do not ask for a copy of the policy to read calmly there or at home.

  • Ask them to explain well everything that includes and does not include the policy. Make sure you understand all the points well. If you are unsure referred to any section or something, do not hesitate to ask. If in doubt, ask those questions that you should be well clarified before signing the contract. If you have many questions or give you information that appears unreliable or do not understand it, go to another home insurance company for you to clarify or seek help or ask a professional who understands these issues.
  • Be honest and do not try to fool the insurance company. When you fill out the questionnaire, answer truthfully. Data must be true and accurate. The insurance company has the right to take legal action against you because a policy implies the good faith of the parties.
  • Do not sign blank. An insurance agent unscrupulous might ask you to sign the application when data does not appear yet. I could tell you to do to expedite the process. Needless to say, this is something you should not do ever. If you suggest it, run away from that company and find another.
  • Make sure that all the goods you want to ensure are specifically detailed in the policy, both the content and the continent. Once you sign the contract and it is sealed, and can not claim on any property that is not listed in the policy detail. If after some time of signing the insurance policy you have new goods in your spacious home or your home, you must notify the insurance company that takes these changes. Surely also vary the price of the premium. Note that if you do not communicate, you do not win anything because in case of loss is not taken into account.