When an insurance contract is signed, the family has extra security for the residence and household budget. In the event of a claim, the contractual relationship provides for the right to financial compensation for the insured, under the terms of the contract.
In this article, you will understand better about the loss in home insurance and the differences in relation to assistance. So, read on to make the best choice!
What is home insurance?
Home insurance aims to offer complete protection for the insured’s property. What does that mean? That the contract will cover both structural problems and possible difficulties related to the interior of the house.
It is with residential insurance that the contractor has coverage against financial losses in the event of a claim — which is any event from which the material property indicated by the policy suffers damage. Thus, they are able to receive compensation for unexpected expenses, unlike the assistance proposal, as we will see later.
Now, anyone who thinks that taking out insurance compromises the family budget is wrong. The cost is around 1% of the value of rebuilding the property. In this sense, it represents one of the types of insurance that can best be shaped according to the policyholder’s objective and needs.
For this, there are basic and additional coverage, which must be evaluated in order to meet the interest of the insured. Basic coverages are those that have essential items, present in most insurance offered to the public.
Here, the insured is entitled to compensation for damages caused by explosion, lightning and fire, for example. As for additional coverage, it is possible to hire packages that include the interior of the property or, even, civil liability insurance , which protects against damage to third parties.
For example, if an object falls out of your window and unfortunately hits a person, you guarantee the right to reimbursement of all medical expenses. Other examples of additional coverage are against:
- vehicle impact;
- electrical damage;
- damage due to windstorms, floods or hail ;
- personal accidents;
- loss coverage;
- payment of rent to third parties, among others.
It is important to note that each insurer has different rules and criteria. Therefore, it is essential that you search the market for serious companies that are recognized for the safety and quality of the service offered.
What is residential assistance?
Residential assistance is a set of services focused on helping in cases of domestic emergencies. The insured who opts for this modality has services that help to solve everyday unforeseen events.
Thus, it is a 24-hour assistance, linked to home insurance, but focused exclusively on solving routine emergencies. As examples of services offered, we can highlight:
- security and surveillance;
- laundry expenses;
- temporary roofing for tiles;
- indication of professionals (such as a locksmith, nanny, etc.);
- services for domestic animals , among others.
Assistance is very interesting for those who live alone, do not have a maid, often travel or spend a lot of time away from home. Insurers offer numerous options for plans, from the most basic to the most complete – in which the usage limit is higher and there is a wider range of services.
It is worth noting that the insured must seek an assistance plan focused on their needs, because it is not interesting to hire what will never be used. For example, it doesn’t make sense for you to include an additional pet services if you don’t have one.
What are the differences between insurance and assistance?
The characteristics of each of the contracts already point to their differences. While the insurance indemnifies the contractor for the risks described and defined in the policy, assistance is a package of services that aims to help cover common problems in the domestic routine.
Thus, residential assistance will help with small daily unforeseen events, but it will not protect against significant damage in the event of an accident. Meanwhile, the insurance is a broader protection and it includes the option of 24-hour assistance.
The difference between them is, therefore, in the moment of activating the service. Insurance coverage is requested in unexpected situations that lead to expenses and losses, such as electrical discharges and fires. Assistance will be called in for emergencies such as the loss of a key, a sink leak or an electrical problem.
What do you need to know before hiring?
To hire this type of service safely, the first step is to look for a serious company that clearly guides you about the clauses, coverage and requirements that need to be met.
It is also essential to know the contract, read all the data calmly and ask the broker for clarification in case of doubts. Remember that the policy will contain all information about your insurance, so only what is written in the document is valid.
Hence the importance of seeking such a service in serious companies committed to the care of their policyholders. These products are in high demand today, mainly because of their low cost and the benefits they bring to well-preserved families.
In addition to guaranteeing protection for the property in the event of something serious, they also offer assistance in solving small routine problems , which makes everyday life easier. When hiring, inform yourself about the assistance and look for an option that offers you security and practicality.
Do you understand the difference between a home insurance claim and assistance? So do not lose more time! Today’s busy routine requires the insured to have planning and efficient support to resolve situations that are beyond their control.