Your profile (single, couple, family, landlord) influences the useful guarantees for your home. Adjust them to stay well covered without paying for unnecessary coverage.
Whether you live alone, as a couple, with children, or in a shared apartment, your home insurance needs are never the same. What is essential for one person may be superfluous for another. In this article, we will help you adjust your home insurance policy to your specific situation, so you don't pay for unnecessary coverage while remaining well protected.
What is "adaptation of guarantees"?
Adapting the coverage of a home insurance policy means selecting the coverages (fire, theft, water damage, civil liability, electrical damage, etc.) according to your family profile, your place of residence, the value of your property , and your personal risks. The idea is to have optimal coverage, neither underinsured nor overinsured.
Typical profiles and recommended guarantees
For a single person / an individual
- Focus on basic coverage: liability, water damage, fire.
- Optional coverage depending on owned items: valuable electronics, bicycles, expensive objects
- Assistance and relocation may be optional depending on the building or the rent.
For a couple without children
- Enhanced warranties for household appliances and furniture.
- Theft and vandalism are more likely to occur together if the dwelling is exposed.
- Useful legal protection in case of neighbor disputes.
For a family with children
- Coverage geared towards "fragile" goods: computer equipment, furniture, toys
- Additional coverage for children's activities (school civil liability, extreme sports)
- Assistance and housing adaptation in the event of a major disaster.
For landlord / shared accommodation
- "Rental risks" coverage required.
- Unpaid rent guarantee (GLI) possible.
- Rental vacancy guarantee, tenant damage guarantee, "lapse" guarantee
Factors to consider when adjusting your contract
- Geographical area : risk of theft, vandalism, natural disasters depending on the department.
- Value of assets : furniture, equipment, valuable objects
- Type of occupancy : primary residence, secondary residence, rental property
- Claims history : a profile with a history of claims will require stronger guarantees.
- Budget & premium : balance the coverage with the price you are willing to pay.
Why choose KT Assur&Bank for your personalized contract?
- Personalized analysis of your situation
- Tailored advice to choose the best guarantees.
- Transparent pricing depending on the guarantees chosen.
- Assistance in case of damage, simplified management
Conclusion
Tailoring your home insurance to your profile allows you to optimize coverage without overpaying. Whether you are single, a couple, a family, or a landlord, choices must be made thoughtfully based on your real needs. With KT Assur&Bank , you benefit from expert, personalized advice to obtain suitable and reassuring coverage.