Tenant or owner, taking out home insurance is mandatory and can cover you in the event of a claim. Water damage, burglary, natural disasters, damage that causes costs partially covered by your insurer. And, yes, most of the time, home insurance policies provide for deductibles, an amount that remains your responsibility. To enjoy optimal coverage and get a full refund, there is home insurance without deductible. Let's take stock!
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What is home insurance without a deductible?
Home insurance without excess refers to an insurance contract that covers your home without any out-of-pocket expenses. In concrete terms, in the event of a claim, you benefit from a full reimbursement of the costs incurred by the claim. Of course, the amount of compensation is calculated according to the level of coverage chosen in your contract.
As a reminder, there are different levels of deductible in home insurance:
For example, if you suffer water damage resulting in repairs amounting to € 500
- Relative deductible of 300 €, you receive a total refund of 500 €
- Absolute deductible of 300 €, you will receive a sum of 200 €
How does home insurance work without deductible?
Be aware that the absence of a deductible does not apply to all home insurance coverage. Thus, it is possible to choose a contract without excess on certain guarantees:
- Home fire warranty
- Home warranty burglary, theft or vandalism
- Hail home warranty
- Home warranty technological disasters
- Home water damage guarantee
- Home Assistance Guarantee
>> SERVICES: I find home insurance with no deductible by comparing
Why buy home insurance without a deductible?
To find out if it makes sense to opt for a housing contract without a deductible, you need to assess the risks. Indeed, home insurance without a deductible will necessarily have a higher insurance premium than a contract without a deductible. It is therefore necessary to assess your needs:
- Do you own high-value assets in your home?
- Do you live in a high-risk area (climate, risk of theft and burglary, etc.)?
- Is your home new or old (higher risk of water damage)?
A set of questions that will allow you to identify on which guarantee it is interesting to opt for the option without deductible. Thus, individuals who live in an area prone to burglaries will have every interest in opting for home insurance without deductible at the level of theft coverage.
How do I buy home insurance without a deductible?
The best way to find home insurance with no deductible that fits your real needs with a fair price is to compare. Indeed, by comparing the different offers on the market, you get several quotes, and this, in a few minutes thanks to our online comparator. For this, nothing more simple, you must answer several questions about:
- Your personal situation (age, professional status)
- Your dwelling (type of building, year of construction, etc.)
- Your assets to be insured (number, values, etc.)
- Your home address
Then you receive home insurance quotes with the different possible offers. It's up to you to select home insurance coverage without deductible and compare prices. We advise you to study the details of each offer and make sure that the rest to be borne is equal to 0.