A long list of insured events is not enough. Focus on what the policy would actually pay after a serious loss.
Start with your status
Owner-occupiers, tenants and landlords face different legal obligations and practical risks. Do not assume that a rule from another European country applies where you live. First identify what cover is compulsory, then decide what additional protection you need.
Water damage
Check whether the policy covers the resulting damage, locating the leak and repairing access damage. Roof, terrace, façade and maintenance exclusions often matter more than the headline name of the guarantee.
Fire and temporary accommodation
After a serious fire, indirect costs can be substantial. Review debris removal, smoke damage, emergency accommodation, loss of rent where relevant and emergency assistance.
Theft
Look at security requirements, locked-door conditions, alarm obligations and sub-limits for jewellery, bicycles, electronics or items stored in garages and outbuildings.
Personal liability
Check exactly who is insured: partner, children, students living away, pets or domestic employees where relevant. Liability limits can be more financially important than the value of a single damaged item.
Excess, limits and valuation
Three questions determine the real payout:
- What excess applies to this event?
- What is the maximum payment for buildings, contents or valuables?
- Is settlement based on replacement cost, current value or depreciation?
Keep receipts, photographs, serial numbers and valuations for significant items, with a copy stored away from the home.
Compare using one real scenario
Choose a plausible event — for example a burst pipe damaging flooring and furniture — and ask every insurer to explain the same scenario. This exposes differences in excess, limits, leak detection, alternative accommodation and proof requirements.
Further reading
Your Europe — insurance products in the EU. Home-insurance obligations and products vary significantly by country.