{"id":1607,"date":"2023-11-04T13:19:06","date_gmt":"2023-11-04T13:19:06","guid":{"rendered":"https:\/\/exs.suba-agency.com\/?p=1607"},"modified":"2026-06-26T14:24:15","modified_gmt":"2026-06-26T14:24:15","slug":"multi-risk-home-insurance-quote-protect-your-home","status":"publish","type":"post","link":"https:\/\/exs.pt\/en\/blog\/multi-risk-home-insurance-quote-protect-your-home\/","title":{"rendered":"How can you best protect your home when purchasing comprehensive home insurance?"},"content":{"rendered":"

Your home is constantly exposed to risks that could cause serious damage. And if serious damage were to occur, would you have the financial means to repair it? You should know that you can transfer that cost to an insurance company. It\u2019s very important to purchase comprehensive home insurance.<\/p>\n

With so many options available, what\u2019s the best solution and the best insurance company? To analyze and compare them, it\u2019s important to get quotes for comprehensive home insurance. These quotes will help you figure out which plan best suits you and your home\u2014at a competitive price.<\/p>\n

EXS works with most insurance companies in the market and provides you with simulations of the\u00a0Best Multi-Risk Home Insurance Policies<\/a>. Call us at 21 782 76 40 and start saving today.<\/p>\n

Request a no-obligation quote for Multi-Risk Home Insurance<\/a><\/p>\n

What is covered by comprehensive home insurance?<\/strong><\/h2>\n

Comprehensive Home Insurance can cover the building and\/or the contents. It can be purchased with both covered under a single policy or separately.<\/p>\n

How do you calculate the sum insured?<\/strong><\/h3>\n

It is the customer\u2019s responsibility, as the Policyholder, to determine the sum insured. What criteria can be used:<\/p>\n

    \n
  • For the building, the reconstruction value of the property must be considered, defined in this case as the value of the specific unit and its share of the common areas; it must take into account the type and quality of the materials used and the finishes. Some multi-risk home insurance calculators allow you to calculate the base reconstruction value by taking into account the total area of the unit and its annexes, including the common areas.<\/li>\n
  • For Contents: The sum insured must correspond to the cost of replacing the items with new ones as of the date of the policy. It must take into account: a) general items, such as furniture, appliances, decorative items, clothing, and various small items; b) special items, such as TVs, VCRs, stereo systems, and\/or other audio equipment; cameras and video cameras; gold and precious metals; paintings and works of art, among others<\/li>\n
  • It is suggested that the calculated value be increased from 10% to 15% as a safety margin.<\/li>\n<\/ul>\n

    What are the best tips to keep in mind when using a home insurance quote calculator?<\/strong><\/h3>\n
      \n
    1. Required documentation: Gather all information about the property and obtain the property record from the tax agency\u2019s website.<\/li>\n
    2. Estimate the value of the contents per square foot and appraise your assets at today's costs.<\/li>\n
    3. Assessing the necessary coverage: Is it worth including earthquake coverage? If you have a partner bank, be aware that this will be a requirement of the bank. And what about liability insurance? Which option should you choose, and what should the coverage amount be?<\/li>\n
    4. Find out what the various warranties mean and how they benefit you.<\/li>\n
    5. Verify that the capital sub-limits for each guarantee are sufficient to cover the loss incurred.<\/li>\n
    6. Learn about the exclusions.<\/li>\n
    7. Discounts: If you have a reinforced door, an alarm system connected to the police or a security company, or other major security installations, you are eligible for a special discount.<\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"

      A sua habita\u00e7\u00e3o est\u00e1 permanentemente sujeita a riscos que lhe podem causar s\u00e9rios danos. E se acontecer um dano grave, tem capacidade financeira para o reparar? [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":1608,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18],"tags":[],"class_list":["post-1607","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-multirriscos-habitacao"],"acf":[],"yoast_head":"\nComo proteger melhor a casa ao contratar um seguro multirriscos? - EXS Seguros<\/title>\n<meta name=\"description\" content=\"Saiba como proteger a sua casa com o seguro multirriscos adequado. 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