Home multi-risk insurance:
What does it really cover?
Home multi-risk insurance: What does it really cover?
Home multi-risk insurance is, without doubt, one of the most comprehensive solutions to protect your home. However, many homeowners and tenants are unsure about what is actually included in this coverage and end up not knowing exactly how far their protection goes.
What is home multi-risk insurance?
It is a policy that brings together several types of coverage in one, offering protection not only against basic risks such as fire or explosion, but also against everyday situations that can cause significant damage.
Main coverages included
Although each insurer may offer different conditions, the most common coverages are:
- Fire, lightning and explosion – essential protection and often mandatory in mortgage contracts.
- Natural disasters – storms, floods, landslides or falling trees.
- Water damage – very common, covering burst pipes or accidental leaks.
- Theft and burglary – protection against break-ins causing damage or loss of property.
- Family liability insurance – covers damage you may cause to third parties.
- Home assistance – support in emergencies, such as sending professionals for urgent repairs.
What may not be included
Not all situations are automatically covered. Common exclusions include:
- Natural wear and tear or lack of maintenance of the property.
- Intentional damage.
- Certain high-value items, such as jewellery or works of art, which may require additional coverage.
Home multi-risk insurance is broad protection, but it is essential to carefully review the policy conditions and adapt them to your needs. At Certo Seguros we can help you compare options and ensure your home is adequately protected without paying for unnecessary coverage. Request a free quote now. Request a free quote.
Andreia Arenga
20.01.2025
All rights reserved. This article is protected by copyright and may not be reproduced, distributed, transmitted, or used, in whole or in part, without prior written permission from Certo Seguros Lda. All registered trademarks, company names, logos, and products mentioned are the property of their respective owners.
Home multi-risk insurance: What does it really cover?
Home multi-risk insurance: What does it really cover?
Home multi-risk insurance is, without doubt, one of the most comprehensive solutions to protect your home. However, many homeowners and tenants are unsure about what is actually included in this coverage and end up not knowing exactly how far their protection goes.
What is home multi-risk insurance?
It is a policy that brings together several types of coverage in one, offering protection not only against basic risks such as fire or explosion, but also against everyday situations that can cause significant damage.
Main coverages included
Although each insurer may offer different conditions, the most common coverages are:
- Fire, lightning and explosion – essential protection and often mandatory in mortgage contracts.
- Natural disasters – storms, floods, landslides or falling trees.
- Water damage – very common, covering burst pipes or accidental leaks.
- Theft and burglary – protection against break-ins causing damage or loss of property.
- Family liability insurance – covers damage you may cause to third parties.
- Home assistance – support in emergencies, such as sending professionals for urgent repairs.
What may not be included
Not all situations are automatically covered. Common exclusions include:
- Natural wear and tear or lack of maintenance of the property.
- Intentional damage.
- Certain high-value items, such as jewellery or works of art, which may require additional coverage.
Home multi-risk insurance is broad protection, but it is essential to carefully review the policy conditions and adapt them to your needs. At Certo Seguros we can help you compare options and ensure your home is adequately protected without paying for unnecessary coverage. Request a free quote now. Request a free quote.
Andreia Arenga
20.01.2025
All rights reserved. This article is protected by copyright and may not be reproduced, distributed, transmitted, or used, in whole or in part, without prior written permission from Certo Seguros Lda. All registered trademarks, company names, logos, and products mentioned are the property of their respective owners.
