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A burglary can happen to anyone... Moreover, every day, more than 1000 individuals are burglarized with an average loss of 1810 euros according to the French Federation of Insurance Companies.
This is why it is better to be well insured with a good home insurance contract.
To avoid the double penalty of having valuable items stolen without being well reimbursed, here is what you need to put in place to avoid paying the deductible, but also to be well reimbursed by home insurance.
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Take out the right home insurance contract
Taking out comprehensive home insurance is mandatory for tenants.
For homeowners, however, it is not obligatory, they are free to choose.
However, the good advice to give to owners, occupants or not, is to take out home insurance with a good level of guarantees.
These as well as the amount of the excess are specified in the contract.
Good to know: Home insurance compensates for objects inside the home.
It is therefore better to put away what is outside.
Depending on your needs, remember to check the general conditions of the insurers' contract.
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Strengthen the security of your home
Preventing a burglary is above all about securing your home.
You can install this equipment and notify your insurer:
multi-point locks on all entrance doors and windows.
roller shutters or security grilles.
an alarm system connected to a remote monitoring center.
motion and glass breakage detectors.
Some insurers agree to lower or eliminate the amount of the deductible if you install this equipment.
Better still, they may even offer you a reduction in your home insurance rate.
You can also negotiate it.
Good to know: locking your door is important!
If you forget, your home insurance may refuse you compensation.
Improve the protection of your assets
To avoid losing your valuables, there are several tips in the event of a burglary with these good actions:
Store your valuables in a safe or in inaccessible places.
Keep your invoices and proof of purchase to obtain good compensation.
Burglaries generally happen very quickly, so it is best to ensure that all your valuables are not visible.
By implementing these best practices, the insurer will be able to improve its coverage of losses linked to burglary.
Negotiate the amount of the home insurance deductible
To avoid paying or reducing the amount of the excess in the event of burglary, be sure to follow these tips:
Compare home insurance offers online before taking out a contract.
Emphasize the dissuasive security measures you have in place at home.
Negotiate the amount of the deductible with your insurer.
Opt for optional guarantees to have better protection.
In addition, you need to be careful about the amount of the value of your belongings that you declare to your home insurance.
In fact, it is better to insure yourself for a higher amount of furniture than too low.
Even if you will pay less monthly, the bill could be hefty in the event of theft of your valuable personal effects...
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React quickly after the burglary
One of the most important tips, especially if you do not have the funds to finance all of the above equipment, is to act on time to obtain compensation from your insurance.
Here is our advice in the event of a burglary:
File a complaint with the gendarmerie or police station within 48 hours of the burglary.
Contact your insurer as soon as possible and provide them with all the necessary documents to justify the theft and the amount of the loss.
By following these tips, you can considerably reduce the amount of your home insurance deductible and limit your out-of-pocket costs in the event of a burglary.
SERVICE >> Everything you need to know about getting reimbursed by home insurance in the event of burglary