Every homeowner should have a properly equipped homeowners insurance exactly what is meant by a homeowners insurance and what kind of real estate can this form of insurance be completed? Homeowners insurance is a general insurance, which belongs to the insurance form of building insurance, which is divided into two different forms, one commercial building insurance and homeowners insurance of. A distinction is made in the respective building insurance form especially the applicability. Requirement for graduating from the homeowners insurance is that to live useful purposes the area share amounts to at least 50 percent. This matter especially when mixed-use real estate a, if a housing units and on the other hand, for example, in the ground-floor level offices, shops, one commercial units, for a larger real estate, in the buildings to be insured or gastronimsche businesses and serving flats located in the above floors to the lodging and accommodation of people. In situations of building the commercial floor space proportion exceeded 50 percent, the commercial building insurance is necessary. Typically, a homeowners insurance as a so-called connected homeowners insurance is completed. For more information see this site: Jo Mackness . This means that the three types of insurance, fire insurance, insurance of the tap water, and storm – and hail insurance in an insurance contract are connected in the form of this contract. Following dangerous bubbles and risks are hedged by these three types of insurance, any damage, fire insurance fire insurance secured, which damage the insured buildings and of building elements either by fire, lightning, explosions and implosions, as well as the impact or the crash of manned aircraft, destroy or get lost.
Tap water insurance covers the insurance of tap water all damage inside and outside of the insured building arising as a result of the effects of frost, for example, breakage of water lines inside of the building, as well as supply and sewer pipes outside the building. Windstorm and hail insurance In the insurance coverage of the storm and hail insurance be secured all damages, which in a storm event with a maximum wind speed of 8, as well as hail precipitation occurred. For example, a tree is twisted by the gales and damaged parts of the facade of the House, or other building components. All damage caused by so-called acts of God, such as, for example, scree or snow avalanches, earthquakes, Earth cuts and landslide, volcanic eruptions, as well flood are excluded from the insurance coverage of homeowners insurance. To cover these risks, the residential insurers provide an additional police in the form of “elemental damage insurance”. To what extent the degree of such additional Elemtarschadenversicherung is useful, is located on the respective region in which resides, for example, mountain regions, the buildings to be insured, or Riverside. Due to the low cost (these are usually around 50 euro), which are connected with the additional protection of elemental, it is generally useful to include these in the homeowners insurance.