{"id":599,"date":"2023-04-10T00:00:00","date_gmt":"2023-04-10T00:00:00","guid":{"rendered":"https:\/\/exs.suba-agency.com\/conselhos-para-contratar-o-melhor-seguro-multirriscos-habitacao\/"},"modified":"2026-06-26T14:26:13","modified_gmt":"2026-06-26T14:26:13","slug":"tips-for-choosing-the-best-comprehensive-home-insurance","status":"publish","type":"post","link":"https:\/\/exs.pt\/en\/blog\/tips-for-choosing-the-best-comprehensive-home-insurance\/","title":{"rendered":"Tips for Choosing the Best Comprehensive Home Insurance"},"content":{"rendered":"<h2><strong>What is comprehensive home insurance?<\/strong><\/h2>\n<p>O\u00a0<a href=\"\/en\/safe\/multi-risk-home-insurance\/\" target=\"_blank\" rel=\"noopener\">comprehensive insurance<\/a>\u00a0It is a comprehensive protection plan that combines home and contents insurance in a single solution. Not only does it cover damage to the structure and common areas of the property, but all of your belongings\u2014such as furniture, appliances, and jewelry\u2014are also protected.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/admin.exs.pt\/uploads\/melhor_seguro_multirriscos_habitacao_01074eaa93.jpg\" alt=\"best_multi-risk_home_insurance.jpg\" \/><\/p>\n<h3><strong>So, what does comprehensive home insurance cover?<\/strong><\/h3>\n<p>Now that you know what this plan is, it\u2019s important to understand the main types of coverage offered by comprehensive home insurance.<\/p>\n<p>The supply of\u00a0<a href=\"\/en\/safe\/multi-risk-home-insurance\/\" target=\"_target\">EXS Home Insurance<\/a>\u00a0It is evaluated based on careful market research, thereby enabling us to offer our clients solutions that include the following coverage options:<\/p>\n<ul>\n<li>Fire, lightning, and explosion;<\/li>\n<li>Storms and floods;<\/li>\n<li>Water damage;<\/li>\n<li>Property Liability Insurance;<\/li>\n<li>And electrical hazards and cosmetic damage.<\/li>\n<\/ul>\n<p>In addition to these, you can also add supplemental coverage, such as:<\/p>\n<ul>\n<li>Home care;<\/li>\n<li>Protection of the building's interior;<\/li>\n<li>Protection of your personal property;<\/li>\n<li>Insurance for personal accidents occurring in the home and coverage of expenses related to domestic incidents;<\/li>\n<li>Family civil liability;<\/li>\n<li>And, expenses related to a temporary move.<\/li>\n<\/ul>\n<p>There is a wide variety of coverage options available on the market, and it\u2019s easy to feel overwhelmed by all the choices. But don\u2019t forget\u2014this is a flexible solution. You just need to select the coverage options that best meet your family\u2019s needs.<\/p>\n<h3><strong>5 Things to Consider When Purchasing Comprehensive Home Insurance<\/strong><\/h3>\n<p>As you've seen, the\u00a0<a href=\"\/en\/safe\/multi-risk-home-insurance\/\" target=\"_blank\" rel=\"noopener\">multi-risk insurance<\/a>\u00a0cover a variety of accidents. However, it is important to keep in mind that some policies include extra coverage that the customer does not need, which increases the cost of the policy.<\/p>\n<p>Therefore, it is advisable to carefully review all coverage and exclusions, decide which ones to keep and\/or exclude, and discuss the proposed offer with the insurance company or bank in order to find the most advantageous solution for you.<\/p>\n<p>So, to help you, we've put together 5 points you should consider before purchasing comprehensive home insurance.<\/p>\n<h4><strong>1) Assess the characteristics of the heritage site<\/strong><\/h4>\n<p>If you want to ensure your home is protected, it\u2019s essential that you know it well, such as:<\/p>\n<ul>\n<li>Age of the property;<\/li>\n<li>Type of construction;<\/li>\n<li>Location.<\/li>\n<\/ul>\n<p>In terms of location, owning a property in an earthquake-prone area involves exposure to different risks than those associated with a property located in a region that has never experienced an earthquake. The same is true for homes located in a forested area or near the coast.<\/p>\n<p>So, be sure to ensure that your policy covers damage related to geographic conditions.<\/p>\n<h4><strong>2) Check which external factors may affect the premium amount<\/strong><\/h4>\n<p>Did you know that a building with security or an alarm system can affect the cost of your insurance policy?<\/p>\n<p>A property equipped with measures to prevent theft and accidents\u2014such as fire extinguishers, fire blankets, 24\/7 surveillance, or alarms\u2014may qualify for a discount on your insurance premium.<\/p>\n<h4><strong>3) Determine the exact amount of coverage<\/strong><\/h4>\n<p><strong>This is a very important point to keep in mind!<\/strong><br \/>\n<strong>The cost of rebuilding the house is often less than the property's market value<\/strong>, which is why it is important to compare prices and evaluate the amount offered by the bank or insurance company.<\/p>\n<p>As a general rule, the insured amount should be equal to the cost of rebuilding the house.<\/p>\n<h4><strong>4) Choose either basic insurance or a policy that covers the contents of your home<\/strong><\/h4>\n<p>Although a basic insurance policy is more affordable in terms of the monthly premium, it typically does not include coverage for household contents. In the event of loss or damage resulting from accidents or natural disasters, the bill could end up being more expensive.<\/p>\n<p>Therefore, assess your household contents\u2014such as jewelry, furniture, appliances, private collections, and other possessions\u2014to determine whether it is feasible to insure your household contents or just the structure itself.<\/p>\n<h4><strong>5) Learn more about the deductible amount<\/strong><\/h4>\n<p>Some policies may have an associated deductible. It is important to consider this factor and determine the amount of the deductible. Some insurance policies may be more affordable and competitive; however, this lower price is usually the result of a high deductible.<\/p>\n<h3><strong>Are the cheapest multi-risk insurance policies worth it?<\/strong><\/h3>\n<p>Now that you're familiar with this plan, it's important to know how to choose the best plan for you.<\/p>\n<p>As you've seen, the best insurance isn't always the one that includes every type of coverage, and as a general rule,\u00a0<a href=\"\/en\/safe\/multi-risk-home-insurance\/\" target=\"_blank\" rel=\"noopener\">the cheapest comprehensive home insurance policies<\/a>\u00a0They aren't worth it in the long run. Even if you save money on your monthly insurance premiums, if you ever need to file a claim, the deductible might be too high.<\/p>\n<p>Therefore, the best comprehensive home insurance is the one that fits your needs and budget. To help you find the best option, request quotes from different insurance companies and compare the cost-benefit of each option.<\/p>\n<p>With an insurance quote, you can find out what coverage is included and how it works, as well as the price of the plan. You\u2019ll be able to find the solutions that best fit your needs, including more affordable options compared to the plans offered by banks.<\/p>\n<h3><strong>Additional coverage, double the security!<\/strong><\/h3>\n<p>As you've seen, comprehensive home insurance can be customized. Additional coverage options can be added to the base policy, which can make all the difference in the event of an unforeseen incident.<\/p>\n<p>Protecting your property requires an assessment in advance in order to find the solution that best suits the policyholder\u2019s interests as well as the characteristics of the property.<\/p>\n<p>When choosing the best offer, the advice provided by insurance brokers plays an essential role. EXS offers comprehensive and flexible solutions that adapt to countless scenarios, but above all, it provides customized proposals with deductibles and coverage limits tailored to the coverage the customer has chosen.<\/p>\n<h3><strong>Learn about EXS Seguros' multi-risk home insurance policies<\/strong><\/h3>\n<p>EXS\u2019s home insurance offerings are developed based on careful market research. This allows us to offer customers solutions that provide protection not only for their property, but also for their household and their pets.<\/p>\n<p>To learn more about home insurance and all the offers from EXS Seguros, use our calculator. Just enter your information and request a\u00a0<a href=\"\/en\/safe\/multi-risk-home-insurance\/\" target=\"_blank\" rel=\"noopener\">Free quote for comprehensive home insurance<\/a>. We contacted you to request more information, and by cross-referencing data from the most competitive insurance companies in Portugal (Advancecare, Ageas, AIG, Allianz, APRIL, ARAG, Asisa, Caravela, ERV, Fidelidade, Generali, Liberty Seguros, Lusitania Seguros, MAPFRE, M\u00e9dis, Metlife, MGEN, Multicare, Popular Seguros, PR\u00c9VOIR, Real Vida Seguros, Sa\u00fade Prime, Tranquilidade, Una Seguros, Victoria, and Zurich), we\u2019ll prepare a personalized proposal.<\/p>\n<p>In addition to the free simulation, you can count on personalized advice from our consultants throughout the entire enrollment process and, if necessary, when it comes to activating your insurance.<\/p>\n<p>So, if you need help, at EXS we guarantee the support you need to find the solution that\u2019s best for you. <a href=\"#form\">Contact Us<\/a>!<\/p>","protected":false},"excerpt":{"rendered":"<p>O que \u00e9 seguro multirriscos habita\u00e7\u00e3o? O\u00a0seguro multirriscos\u00a0\u00e9 um plano de prote\u00e7\u00e3o completa, que compreende na mesma solu\u00e7\u00e3o um seguro de habita\u00e7\u00e3o e do recheio. N\u00e3o<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":600,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18],"tags":[],"class_list":["post-599","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-multirriscos-habitacao"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Conselhos para contratar o melhor seguro multirriscos habita\u00e7\u00e3o - EXS Seguros<\/title>\n<meta name=\"description\" content=\"Conselhos pr\u00e1ticos para contratar o melhor seguro multirriscos habita\u00e7\u00e3o. A EXS ajuda-o a comparar coberturas e a encontrar a proposta mais vantajosa do mercado.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/exs.pt\/en\/blog\/tips-for-choosing-the-best-comprehensive-home-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Conselhos para contratar o melhor seguro multirriscos habita\u00e7\u00e3o - EXS Seguros\" \/>\n<meta property=\"og:description\" content=\"Conselhos pr\u00e1ticos para contratar o melhor seguro multirriscos habita\u00e7\u00e3o. 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