Home insurance: what it is and what problems it covers 2026

Houses become full of damage as the years go by: dampness on the walls, bumps on the furniture, damage to the carpet and many more. If you are worried about this, you can take out home insurance. We show you what it is and the main problems it covers.

• Safety tips for buying a home

The home can be greatly affected by weather phenomena, the passage of time or someone breaking into you. It's something that happens in almost every house. , so you shouldn't worry too much about it.

However, there is a way you can ensure that you won't have to pay for home repairs: home insurance . Depending on the home insurance rate you purchase, it is likely that you will not be responsible for any of the damage that appears in your home.

Home insurance: what it is and what problems it covers

Chances are you've heard about home insurance. This service is very interesting, since takes care of any damage that may appear in your home over the years.

For example, Imagine there is an earthquake and the living room lamp falls . It is a problem to look for another one, hire a specialist for the installation and buy light bulbs.

Depending on the home insurance rate you have contracted for your home, it is most likely that covers all the damage that may appear . Both those inside and those outside.

The elements covered by this insurance range from the living room furniture to the garage, swimming pool or electrical installations you have. Oh, that can take care of everything in your house.

To take out home insurance, the first thing is that you contact the company in charge of the service . Once you do so, a study of the home will be carried out and a fee will be established that you must pay monthly until the contract expires.

The monthly payment will depend on many factors : the city you live in, the type of home it is, the price of the property and everything you have inside the house... It is something very difficult to estimate.

What problems does home insurance cover?

You will have one coverage or another depending on the rate you contract for your home. In each company they change, but there are some basic features that can be seen in almost all .

La basic policy which you can find in most companies. It is the one that takes care of damages caused by fires, earthquakes and other weather phenomena.

It is the cheapest of all and is usually hired if you have a house in a safe area. There is no need for me to cover theft for you, It focuses on defects that may appear externally.

If we go up a level in coverage, we find a policy that covers much more. He takes charge of the thefts, possible damage that may have appeared on the façade of the building and other damages minors.

It has a higher cost than the previous one, according to the increase in the protection of the house. If we take into account the quality-price relationship, It's probably the one we recommend. If you don't want to leave a lot of money either.

Lastly, there is usually the blanket insurance policy . In these cases, the company takes care of almost all defects or damages that may appear in the home.

We are referring to complete coverage in the event of a credit card being stolen on the street, damage resulting from an explosion in the kitchen or your pet attacking a person walking down the street.

In summary, we can say that home insurance with full coverage covers :

• Fires, earthquakes or any weather phenomenon .
• Damage on the façade and interior.
• Thefts at home and on the street.
• Burst at home.
• Your pet attack on the street

What problems does home insurance not cover?

A priori, it seems that the highest policies cover all the problems you may have at home. Well, there are some exceptions What you should take into account before hiring one.

The first of them is that they do not usually insure works of art or jewelry. The main reason is that they usually offer other specific insurance for this type of objects , more expensive than the rest.

Another problem that home insurance does not usually cover are accidents or inconveniences. that appear due to their own oversight or any family member.

For example, imagine that you leave the house in a hurry and you leave the window open, You are unlucky and it starts to rain very hard. The problems that arise as a result of the flood will not be covered by insurance.

Therefore, we can clarify that will never enter in home insurance:

• Jewelry, works of art u objects of great value .
• Problems arising from a mistake of the tenant.

You've already seen it, home insurance is very useful and can help you in case of theft or environmental disaster. We recommend that you select the one that best suits your needs and contact the agency to get a quote.

En Yoigo AlarmsWe can help you improve the security of your home to protect your family. Go to our website or call900 622 398so that our experts can study your case and recommend what interests you most.

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