How to choose the right insurance and options?

The question of the choice of home insurance is recurrent in the case of moving, buying and renting housing. Indeed, there are certain parameters that can determine the adequacy of the insurance chosen with the situation of the subscriber. Said parameters generally concern the guarantees offered, the compensation ceilings, the deductibles applied, the options available, the ancillary services, etc. This article explains how to choose the right home insurance and its options.

Factors to consider when choosing the right home insurance

To choose the most suitable home insurance policy for the subscriber’s needs, the latter must assess a number of aspects. Failing that, he can use an insurance comparator with Vosmeilleurseconomies to quickly find the most advantageous insurance.


The deductibles represent the amount that will remain payable by the policyholder when a claim occurs. This amount can have a considerable impact on the budget required to take out the insurance and is not reimbursable by the insurer.

There are two types of franchises. Relative frankness and absolute frankness.

The relative deductible determines the amount of the insurer’s contribution in the event of a claim. It stipulates that if the amount of damage caused by the claim is less than that of the deductible, the insured will not receive any compensation.

However, if the damage showing is greater than the deductible, the policyholder will be fully compensated.

The absolute deductible, on the other hand, represents the amount of the sum that the insurer systematically deducts from the compensation of the insured in the event of a claim.

The different guarantees included and not included

The guarantees offered by the insurance must be carefully studied. Indeed, not all home insurance contracts include guarantees against situations such as:

  • The flight ;
  • Fires ;
  • Vandalism;
  • Broken glass, etc.

The ideal is to opt for insurance that includes all the guarantees mentioned above.

Warranty exclusions

There are specific cases where insurance companies may refuse to indemnify or cover the insured. The latter specify in their contracts the situations in which the said exclusions of guarantees are applied.

Generally, the most comprehensive insurance contracts are those with the fewest warranty exclusions.

Compensation ceilings

The compensation caps have a restrictive effect on the scope of the home insurance taken out and its guarantees. When the ceilings are high, the insured have a better chance of being compensated in the event of a claim.

Waiting periods

These deadlines actually represent a latency period between the date of subscription of the insurance and the date of its entry into force. While some insurance companies set a waiting period of a few days, others may require several months.

It is recommended to take out insurance with a short waiting period.

Methods of compensation after an incident

Here, the insured must seek to know if he will be reimbursed new after a disaster or if the insurance company will take into account the wear and tear of the goods at the time of the disaster. Either of these aspects will influence the amount of insurance underwriting.

The insurance premium

The insurance premium is the amount that the insured must pay annually to obtain the services of the company. It is therefore necessary to ensure that this premium is advantageous, while taking into account the budget and the degree of protection desired.

How to choose the right home insurance options?

As mentioned earlier, there are certain basic guarantees in insurance.

Although it is safe to find an insurance whose options make it possible to meet all the situations of the subscriber’s life, it is rather recommended to precisely define the latter’s needs in terms of guarantees.

Once the needs have been mentioned, the company will take care of analyzing the data and proposing a contract that meets the subscriber’s expectations. Otherwise, it will always be possible to make adjustments in order to arrive at the most suitable formula.

There are several optional warranties:

  • Optional guarantees relating to the various damages to the insured’s property;
  • Optional guarantees relating to the civil liability of the insured;
  • Optional guarantees relating to financial losses occurring as a result of a covered claim,
  • Optional guarantees of protection and assistance, etc.

All the information mentioned above should help you choose the right home insurance and options.

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