Post by account_disabled on Mar 16, 2024 0:31:57 GMT -5
When we look to hire home insurance , there are two basic aspects to take into account, regardless of the type of insurance and coverage we are looking for Continent and Content . The monetary value that we assign to these will be the main factor in determining the premium or price of our home insurance . What is the continent in home insurance? The container of our home is the building structure, that is, the set of foundations, floors, walls, partitions, ceilings, doors and windows, as well as the parquet, paint and carpet attached to them, and also the fixed water installations. , sanitary ware, gas, electricity etc.
How to calculate the continent of our home? The first thing we have to do is search through the Cadastre's Electronic Headquarters for the total surface area in square meters of our home. To this total we must then assign a value of euros per square meter (referring to the reconstruction value). This allocation will obviously be influenced by the state of our home, the quality of its materials, etc. We establish three ranges as a suggestion: Basic Quality : Officially BYB Directory Protected Housing (VPO) prior to 1999 that has not been completely renovated and/or free housing with qualities similar to or lower than these. Medium Quality VPO after 1999 (or before, but completely renovated) and free homes of medium quality. High Quality Free housing with air conditioning ducts through the ceiling, wooden and/or marble floors, marble or similar tiling, wooden doors, prestigious brand toilets and taps, windows with thermal break, etc.
Continent Let's take an example: We want to secure an 80 square meter apartment, it is a home free of average qualities. The formula would be: 900 euros x 80 m2 = 72,000 euros of continent What is content in home insurance? By content in home insurance we understand all those goods that are inside the home and are the property of the insured as Free housing with air conditioning ducts through the ceiling, wooden and/or marble floors, marble or similar tiling, wooden doors, prestigious well as the people who live with him at home: furniture, household goods, electrical appliances, personal effects, clothing, collections, jewelry, books etc.
How to calculate the continent of our home? The first thing we have to do is search through the Cadastre's Electronic Headquarters for the total surface area in square meters of our home. To this total we must then assign a value of euros per square meter (referring to the reconstruction value). This allocation will obviously be influenced by the state of our home, the quality of its materials, etc. We establish three ranges as a suggestion: Basic Quality : Officially BYB Directory Protected Housing (VPO) prior to 1999 that has not been completely renovated and/or free housing with qualities similar to or lower than these. Medium Quality VPO after 1999 (or before, but completely renovated) and free homes of medium quality. High Quality Free housing with air conditioning ducts through the ceiling, wooden and/or marble floors, marble or similar tiling, wooden doors, prestigious brand toilets and taps, windows with thermal break, etc.
Continent Let's take an example: We want to secure an 80 square meter apartment, it is a home free of average qualities. The formula would be: 900 euros x 80 m2 = 72,000 euros of continent What is content in home insurance? By content in home insurance we understand all those goods that are inside the home and are the property of the insured as Free housing with air conditioning ducts through the ceiling, wooden and/or marble floors, marble or similar tiling, wooden doors, prestigious well as the people who live with him at home: furniture, household goods, electrical appliances, personal effects, clothing, collections, jewelry, books etc.