{"id":1645,"date":"2022-09-18T15:41:57","date_gmt":"2022-09-18T15:41:57","guid":{"rendered":"https:\/\/exs.suba-agency.com\/?p=1645"},"modified":"2026-06-26T14:26:38","modified_gmt":"2026-06-26T14:26:38","slug":"protect-your-home-with-comprehensive-home-insurance","status":"publish","type":"post","link":"https:\/\/exs.pt\/en\/blog\/protect-your-home-with-comprehensive-home-insurance\/","title":{"rendered":"Home Insurance: Protect Your Property from Damage with Comprehensive Insurance"},"content":{"rendered":"<p>Purchasing comprehensive home insurance is the best way to protect your home in the event of a fire, storm, theft, plumbing damage, or accidental breakage.<\/p>\n<p>There is a wide range of product offerings and coverage options for comprehensive home insurance.<\/p>\n<p><strong>A <a class=\"cta cta-primario\" href=\"https:\/\/exs.pt\/en\/\">EXS works<\/a> We work with most insurance companies on the market and can recommend the comprehensive home insurance policy that best suits your needs. Contact us at 21 782 76 40. Protect yourself now and save money.<\/strong><\/p>\n<h2><strong>What is Multi-Risk Home Insurance?<\/strong><\/h2>\n<p>This insurance combines several types of coverage into a single plan, providing broader protection for your home. Multi-Risk Home Insurance can cover the building and\/or the contents, either together in a single policy or separately.<\/p>\n<p>While it is mandatory for buildings under condominium ownership, it is advisable to purchase this insurance for any building to protect your assets in the event of damage. If you have a mortgage, it is a requirement of your bank.<\/p>\n<p><a class=\"cta cta-primario\" href=\"https:\/\/exs.pt\/en\/comprehensive-home-insurance\/\">Learn More About Multi-Risk Home Insurance<\/a><\/p>\n<h3><strong>What are the best tips for choosing home insurance?<\/strong><\/h3>\n<ol>\n<li>Gather information about the property by obtaining the property record from the tax agency\u2019s website to determine the insurable value of the building or unit.<\/li>\n<li>The property value must correspond to the reconstruction cost per square meter and not be based on the market or tax value.<\/li>\n<li>Also consider the value in light of the quality of the materials used (marble, mahogany, etc.),<\/li>\n<li>Estimate the value of the contents and appraise your assets at today's costs.<\/li>\n<li>Shop around: It\u2019s not always in your best interest to stick with the bank where you took out your mortgage just to reduce the spread. You should explore other options on the market. Compare rates, coverage, and plans, or ask your broker for estimates.<\/li>\n<li>Accurately assess your needs: every home has different considerations. There are additional coverages that may be important without causing an excessive increase in price. Others may be unnecessary.<\/li>\n<li>Ask for additional information in advance: for example, find out what to do in the event of a claim and what deductibles apply to the coverage.<\/li>\n<li>Be aware of the exclusions: Multi-Risk Home Insurance policies also have exclusions that you should be aware of.<\/li>\n<li>Don\u2019t insure just a portion of your property\u2014insure it in its entirety. Many comprehensive home insurance policies do not provide the correct coverage amounts, whether for the property itself or its contents. Assess the value of your home and your belongings as accurately as possible. If you declare a value lower than the actual value, the insurer will pay only the corresponding proportion of the losses in the event of a claim. On the other hand, if you overvalue your property, you\u2019ll pay a higher premium, and the insurer will only pay you the amount corresponding to the actual value.<\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"<p>Subscrever um seguro de Multirriscos Habita\u00e7\u00e3o \u00e9 a melhor forma de prote\u00e7\u00e3o da sua habita\u00e7\u00e3o em caso de inc\u00eandio, tempestades, roubo, danos em canaliza\u00e7\u00f5es ou quebras<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":1646,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-1645","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vida-credito-habitacao"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Seguro Casa: Proteja seu im\u00f3vel de danos com o seguro multirriscos - EXS Seguros<\/title>\n<meta name=\"description\" content=\"Proteja o seu im\u00f3vel com o seguro multirriscos da EXS. 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