A civil liability is included in the contract and
covers all members of the family of the insured. It allows to compensate third
parties (outside the family home) against any damage caused by a member of the
family in the context of privacy.
The fire and explosion are safeguards that allow the
rehabilitation of the immovable property and reimbursement of movable property
in the event of a fire or explosion at home.
Theft, attempted theft and vandalism are important guarantees of the contract. They are often decisive in the
calculation of the levy to be paid. These warranties cover goods which have
disappeared, are destroyed or damaged during a theft or attempted theft. The
deductible applied on this warranty can be important depending on the likelihood
of flight (e.g. isolated location). These guarantees to function properly, it
is necessary to read the General conditions of the contract specifying the
means of closures required (number of locks to the doors for example).
The water damage covers damage caused by leakage
or infiltration of water at home or a neighbour.
Ice breaking allows to replace a window glass
broken by a causes beyond the control of the insured.
The storm, snow, hail covers damage caused by the
action of wind, snow, or hail.
Natural disasters or technological risks are safeguards that support damage linked to an outside natural fact as an
earthquake, avalanche, or as the damage caused by a polluting factory near his
home.
The legal protection is to have a legal way to prevent
assistance or settle a dispute. The scope of this service can go the telephone
Board in the resolution of the dispute before the courts.
Other accessories guarantees can optionally be included in the contracts of
accommodation such as damage to electrical equipment, damage to the contents of
the freezer.
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