HOME INSURANCE

Coverage against major risks

• Fire, explosions, and related events: Material damage resulting from fire, explosion, implosion, lightning strikes, electrical damage, falling navigation devices, collision with terrestrial vehicles, rescue operations, and safety measures.
• Water damage: Damage caused by leaks or overflows from exposed pipes, water-related appliances, aquarium breakage or leaks, and roof infiltrations.
• Sewer backups.
• Theft and vandalism: Any disappearance, destruction, or deterioration of items and belongings resulting from theft or attempted theft inside the premises.
• Glass breakage (windows, panes, and glass surfaces): Accidental breakage caused by the insured, a family member, employees, or others, whether intentional or unintentional.

Expense coverage in case of a claim

• Loss of use of the premises: Compensation when the insured temporarily cannot use their home.
• Relocation and replacement costs: Expenses incurred to repair belongings following a covered incident.
• Defense and legal action: Legal fees and lawyer’s costs to defend the insured in court and claim compensation for damages.
• Debris removal, demolition, and cleanup costs: Costs associated with restoring insured property after a covered claim.
• Expert fees: Reimbursement of costs for an expert appointed by the insured to estimate the damages.
• Indirect losses: Expenses and inconveniences resulting from the claim (e.g., relocation costs, hotel stays, temporary rentals, etc.).

Coverage of liabilities towards third parties

• Family liability: Compensation for bodily and material damage caused to third parties, individuals under the insured’s responsibility, or things in their care due to an accident in a private context.
• Tenant risks: Financial consequences of the tenant’s liability towards the owner for damages caused by a claim (fire, explosion, etc.).
• Neighbor and third-party claims: Financial consequences of the insured’s liability towards neighbors and third parties following an incident (fire, explosion, etc.).
• Workplace accidents: Financial consequences of workplace accidents affecting household staff, in compliance with workplace accident regulations.
• Loss of rent: Financial consequences of the insured tenant’s liability to the landlord for unpaid rent by their co-tenants.