Seguro de Casa Habitación

Summary

This video from Legacy, experts in insurance, provides an in-depth overview of home insurance policies, explaining their coverage and benefits. It highlights various protections such as damage to property, theft, accidents, and liability for third-party damages. The video also details additional services like medical expenses for domestic employees, rental coverage during home repairs, and emergency repair services. It outlines exclusions and offers practical advice on selecting the right coverage for different needs. Viewers are encouraged to contact Legacy for more personalized assistance and information.

Takeaways

• 😀 Home insurance is one of the most comprehensive and noble insurance types, covering a wide range of risks.
• 😀 To file a claim, invoices are not essential; photos, videos, and other documentation can suffice for a claim.
• 😀 Coverage amounts depend on the insurer and the insured sum you have contracted.
• 😀 Examples of coverage include theft, accidental damage to appliances, and medical expenses for domestic employees.
• 😀 You do not need to insure the entire value of your house, which can help lower your costs.
• 😀 In the event of a claim (except for earthquakes or weather-related phenomena), indemnity is provided at the current replacement value without depreciation.
• 😀 Coverage includes damages to the building, personal property inside the home, civil liability, and more.
• 😀 Coverage for civil liability includes damages to third parties, such as accidents caused by your children or domestic employees.
• 😀 Additional coverage can be purchased for funeral expenses, home assistance, or personal property loss while away from home.
• 😀 Common exclusions include damages to machinery, buildings under construction, and losses due to lack of maintenance or gradual wear and tear.

Q & A

What types of claims can be made under home insurance?

Claims can be made with photos, videos, manuals, warranties, etc. Invoices are not strictly required for most claims.

How does the compensation process work in home insurance?

Compensation depends on the insurance provider and the sum insured. The amount paid out varies based on the type of loss and the coverage chosen.

What kinds of damages are typically covered by home insurance?

Home insurance typically covers damages from sudden events, such as natural disasters, fire, accidents, robbery, or vandalism, as well as damage to personal property inside the house.

Does home insurance cover personal belongings outside the house?

Yes, home insurance covers personal belongings like money and valuables, even if they are temporarily outside the house, as long as they belong to the insured.

Can I reduce my home insurance premiums by not insuring the full value of my property?

Yes, you can lower your premium by not insuring the full value of your property, though coverage should be adequate to protect your home.

What types of third-party damage are covered by home insurance?

Home insurance covers third-party damage caused by accidents, such as if a fire from your home damages a neighbor's property or if a domestic worker injures someone.

What is included under the building damage coverage?

Building damage coverage includes repairs to the property, including walls, roofs, fences, and structures like palapas. It also covers debris removal and temporary housing expenses during repairs.

What items are covered under contents damage in home insurance?

Contents damage covers personal property inside the home, such as furniture, appliances, electronics, and other valuables. It includes damage caused by theft, accidents, or unforeseen events.

What exclusions should I be aware of when purchasing home insurance?

Exclusions include damage to buildings under construction, machinery, damage caused by pests, gradual damage due to lack of maintenance, and loss from non-violent theft or mysterious disappearance.

What services are included in home assistance coverage?

Home assistance provides emergency services such as plumbing, locksmith services, electrical repairs, gas leak reports, and legal advice, though each service is subject to limits on frequency and cost.