Home furnishings within a house or apartment are covered by the home insurance. If you were the victim of a house burglary or a house fire, all furnishings are covered up until a certain amount which was decided on, when the insurance contract was concluded. The insured sum should realistically equal the value of the home furnishings so that all costs are covered by the insurance company.
The insurance covers:
- Hail damage, storm damage, tap water damage
- Burglary, robbery and vandalism
Additional costs, such as clean up work or accommodation costs are also part of the insurance. However, damages caused by flooding, for example a storm surge, an earthquake or an avalanche. Meant are events caused by natural phenomena. These are normally not covered by a home insurance policy. In order to cover these events, an additional home insurance has to be concluded.
In case damage occurs, the customer has to contact the insurance company as soon as possible (most of the time, there is a contact person or a kind of hotline service. Check your insurance contract for details). The damage that happened should be depicted as faithful as possibly can be done. Witnesses can be named as well. Afterwards, when you have filled the claim report, the carrier of your insurance will inform you about the settlement process of your claim and proceed with all further necessary steps.
The way this proceeding by the insurance has been described, can be seen as an example for many damage claims, not only for home insurances. In case that you need help, the consumer advice centre is always a good place to visit.
An insurance Check-Up (counselling by a specialist) is something that is recommended. Taking the counsel into consideration enables you to get the optimum protection and as such to have the good feeling that you have covered the unforeseeable damages that might occur.