MAIF home insurance: what does it offer?
L’MAIF home insurance offers three levels of protection that can be adapted to all lifestyles and situations.
- Formula 1 is made up of basic guarantees, essential to cover everyday risks;
- Formula 2 is a tailor-made home insurance that combines various options and additional guarantees;
- Formula 3 is the “all-inclusive” formula offering a better level of compensation and reimbursement.
A specific formula is also designed for people under the age of 30. Called “Youth Housing Formula”, this insurance coverage includes all basic protections. In addition, it is possible to add the option known as “Nomadic goods” used to cover items that are transported daily, such as musical instruments, smartphones, sports equipment or even laptops.
It should be noted that the deductibles, guarantees and ceilings are mentioned in the specific conditions of the MAIF multi-risk home insurance. The insurance company also offers you the guarantees offered through its compensation terms and its housing contract.
What property to insure with home insurance?
In addition to covering privacy, MAIF home insurance contracts serve as cover for property belonging to the insured. Depending on the guarantees subscribed, the real estate covered mainly concerns:
- Premises for residential use;
- Embellishments and fittings.
The movable goods covered concern the following elements:
- IT devices, connected equipment, decorative objects…;
- Furniture (cupboard, table, sofa, canopy bed, armoire…) ;
- Valuable objects such as master paintings, old manuscripts, tapestries, works of art…;
- Precious objects such as gold bars, precious stones, timepieces and jewelry, precious stones, collections …
Why do you have to estimate your real estate assets?
It is the insured’s responsibility to assess the amount of his property. To do this, he must declare the amount of his real estate assets, both precious objects and his usual assets. This task is not easy. It is best to seek help from your insurer.
It is also essential to specifically define the exact value of movable property. Knowing how to position yourself in the right bracket offered by the insurance company is important in order to minimize compensation in the event of a claim.
About the real estate, make sure that the proposed home insurance plan covers the full value of the reconstruction. Namely that there are specific intervention ceilings to be taken into consideration. The number of parts that make up a home must also be mentioned. The same goes for the elements of outdoor equipment (tennis courts, swimming pools, etc.).
ALSO READ:
– Home loan during the holidays: the risks
– Astrology: The Cancer season will bring a lot of positive in our lives, here’s why
–
