{"id":575,"date":"2023-08-19T00:00:00","date_gmt":"2023-08-19T00:00:00","guid":{"rendered":"https:\/\/exs.suba-agency.com\/como-fazer-uma-simulacao-do-seu-seguro-multirriscos-habitacao\/"},"modified":"2026-06-26T14:26:24","modified_gmt":"2026-06-26T14:26:24","slug":"how-to-get-a-quote-for-your-comprehensive-home-insurance","status":"publish","type":"post","link":"https:\/\/exs.pt\/en\/blog\/how-to-get-a-quote-for-your-comprehensive-home-insurance\/","title":{"rendered":"How to Get a Quote for Your Multi-Risk Home Insurance"},"content":{"rendered":"

You\u2019ve decided to buy a home and are currently shopping around to compare offers. Or maybe you already own a home and are finally going to take a look at your bill to see how much you\u2019re paying for your comprehensive home insurance. Running a simulation is the first step toward saving money.<\/p>\n

No one is immune to minor everyday accidents that can have serious consequences.<\/p>\n

A leak or break in the washing machine can cause a flood that damages the floor of your home. Worse yet, it can seep into and cause damage to the neighboring apartment.<\/p>\n

Comprehensive insurance gives you peace of mind.<\/p>\n

That\u2019s why running a multi-risk home insurance simulation is essential to ensure you choose the plan that\u2019s right for you. In this article, we\u2019ll explain the benefits of this home insurance and show you how to use our free online simulator.<\/p>\n

Why should you purchase comprehensive home insurance?<\/h2>\n

By law, fire insurance is mandatory for condominiums. However, if another serious incident occurs in your home, you will be responsible for the costs of repairs and loss of property, which could jeopardize your family\u2019s financial stability.<\/p>\n

To guard against these circumstances, there is\u00a0multi-risk home insurance.<\/a><\/p>\n

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Purpose of the Insurance<\/h3>\n

Comprehensive home insurance covers damage to the property and its contents.<\/p>\n

It is a flexible solution designed for homeowners seeking security and peace of mind.<\/p>\n

Roofs<\/h3>\n

You should only pay for the coverage you need. You decide what to include, based on your family\u2019s needs, the characteristics of your home, and other factors.<\/p>\n

If you already have a policy, review your insurance information. You may be paying for coverage you\u2019ll never use.<\/p>\n

Premium Amount<\/h3>\n

The premium amount is calculated based on the coverage purchased.<\/p>\n

You should estimate the reconstruction cost of your property\u2014this is the maximum amount the insurance company will pay. The same applies to the contents of the home.<\/p>\n

If, for example, you make improvements to the property, you must factor in the increased value and report the new amount to the insurance company.<\/p>\n

There are dozens of options on the market\u2014beyond just banks. EXS is a broker with in-depth knowledge of the market. We have been building long-lasting partnerships with numerous trusted insurance companies. This is one of the secrets behind our competitive prices.<\/p>\n

Why is it important to purchase comprehensive home insurance?<\/h2>\n

An emergency fund is a savings account set aside to cover situations such as temporary loss of income, unexpected expenses, and so on. Comprehensive home insurance follows the same principle. It\u2019s a Plan B in case something unexpected happens to the property, the family, or in the event of damage caused to third parties.<\/p>\n

However, there are some questions that may arise when purchasing a policy, which we address below.<\/p>\n

Does comprehensive home insurance cover the contents of the home?<\/h3>\n

Household supplies are generally not included in the\u00a0Basic coverage under comprehensive home insurance.<\/a>\u00a0Typically, basic coverage under most plans includes protection against damage caused by fire, natural disasters, electrical hazards, and civil liability.<\/p>\n

However, you can ensure that your household contents are protected by adding additional coverage. With this extra protection, you can safeguard your household contents against potential theft or accidents. In this case, you\u2019ll need to assess your equipment and valuable possessions and determine a value that covers the cost of replacing those items. Then, you simply need to update the insured amount on your policy and provide a detailed list of your equipment.<\/p>\n

What should the insured amount be?<\/h3>\n

The insured amount is the sum\u2014determined by you\u2014that represents the total value of your home. It corresponds to the cost of rebuilding your home in the event of a fire or flood.<\/p>\n

It is essential to carefully determine the insured amount, because it affects the premium you pay for the insurance and determines the amount you may receive in the event of a claim. Thus, if the insured amount is less than the cost of repairs, the insurer will only pay a proportionate share of the damages. In other words, if the reconstruction will cost \u20ac100,000 but you\u2019ve only insured \u20ac70,000, you\u2019ll only receive the amount you specified. However, if you insure for \u20ac100,000 but the repair costs only \u20ac70,000, you\u2019ve been paying a premium higher than you should have.<\/p>\n

What does comprehensive home insurance cover?<\/h3>\n

As we mentioned earlier, the basic coverages under comprehensive home insurance policies are:<\/p>\n