Compare home insurance offers
Comparing home insurance offers can save you tens or hundreds of euros a year. The most important thing is to compare the same cover, not just the price.
You will need
- Your current insurance policy
- An estimate of the value of your belongings
- About 40 minutes
Steps
Dig out your insurance policy
Check the sum insured, the deductible, the scope of cover and the annual premium.
Estimate the value of your belongings
Roughly calculate the value of your furniture, electronics, clothes and other property.
Decide on the level of cover
Narrow, broad or the broadest cover? Broad cover also covers sudden and unforeseeable damage.
Ask for three quotes
You can use a comparison tool such as the one on Vertaa.fi. Pick the three best offers there and then have these three compete with each other to make sure you get the best possible price. Ask for quotes with the same sum insured and deductible so that they are comparable.
Compare the limitations
Check what the insurance does not cover and what the compensation limits are, for example for electronics.
Ask about a loyalty discount
Many companies give a discount when you have several policies with them.
Switch companies
The new company can handle cancelling your old policy. Make sure there is no gap in your cover.
Check it every year
Always review your insurance after moving, a renovation or a larger purchase.
Tips
- A higher deductible lowers the premium, but you will pay for small damage yourself.
- Tenants should take out home insurance, even though the housing company has its own insurance.
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