Home insurance nine services for you
In his fight to win positions in the market, insurers compete not only with aggressive discounts and promotions, but also with the inclusion of certain extra services thatprovide differential value to its products. Most of them do not imply a rise in insurance home (as, for example, assistance in DIY at home) while others may require to expandcertain coverages (happens in the case of service removals, among others). In this article, we have evaluated which of these “extra” can help make your life easier.
1. Computer support
In a world of such technology as the current and which, in every home, there are plenty of computing devices (computers, tablets and media players…) a home insurance that does not cover assistance or repair of these items is unthinkable. Therefore,most of the companies include it in their conditioned, although with different limitations: Mapfre, among others, guarantees in its policy more basic remote support forsmartphones and tablets 24 hours a day, as well as installation of antivirus systems.AXA, on the other hand, incorporates this service only FlexiVip, their policy of high range.
2 Travel assistance home insurance
If you usually frequent trips we recommend that you check whether your policy includes issues related to the loss of baggage, repatriation or medical expenses of emergency. While tour operators provide assistance to such unforeseen, it is possible that your home insurance will have greater coverage. Caser, Asefa, Mapfre or Genesis include travel assistance coverage and Mutua Madrileña, in the case of theft or lossof luggage or personal effects, commits to, once recovered, move them to the placewhere directed by the insured.
3. Repair of home appliances
More and more home insurance companies include repair of home appliances. In some cases it is an optional warranty that represents an increase of the cost, for example in the policies of Asefa and Caser, but in others the company offers it for free. MAPFREis notable for covering two interventions per year to repair mechanical, electrical orelectronic breakdown suffering from our appliances, and includes displacement, three hours of labor and parts.
4. DIY service
Home insurance may also include assistance in DIY, plumbing or electricity. A teamof professionals will be available to assist, not so much in repairs that may arise against certain unforeseen events, but in specific needs that have the customer, as for example, to assemble a bookshelf, modify the color of a wall or change the décor ofa room. Thus, Mapfre offers two interventions per year and three hours of labor in each visit and companies like Liberty Seguros, Allianz, Asefa, Catalana Occidente, Generali, or Genesis also incorporate a similar service for free on their insurance.
5. Medical consultations
The company makes available the insured medical orientation of permanent assistance service, 24 hours a day, 365 days a year. This service provides information of general health, medical centers and emergency, centers vaccinations, ambulances, pharmacies of guard, etc. You can find it in insurance from Allianz, Asefa, Catalana Occidente, or walnut.