The useful guide to compare home insurance

Why should I compare home insurance?As in any purchasing decision, compare the offers available is your only guarantee to choose the best product at the best price. Insurance is not an exception. Only by comparing home insurance you know which company offers you the best price based on the specific characteristics of the property insured, and what policy includes coverage and maximum compensation that come closest to what you're looking for.Before comparing home insurance, we must decide what kind of policy we want to hire and what kind of damage we cover. The only home insurance is compulsory which covers the value of your home in case of fire. However, it is desirable to protect the peace of the continent against other damage such as, vandalism, flooding or breaking glass, to give some examples. In terms of content, the different coverage can vary significantly between different policies, but some of the most common are broken marbles, vitro ceramic, document replacement costs or value of stolen goods. Therefore, when comparing home insurance, you should pay attention not only to price but also coverage and limits including hedges. These limits can be set to come on a specific amount (eg, up to 600 € for replacing ceramic vitro) or a percentage of insured losses.Once you have decided what coverage you consider necessary to compare home insurance that will provide the level of protection they consider appropriate and choose the cheapest.How I can compare home insurance and save on my insurance?In Spain there are more than 20 insurers offering home insurance. Most are traditional insurers, ie, those who market their products through insurance intermediaries. And others are direct insurers, operating primarily through telephone and Internet. Therefore, compare home insurance can be an arduous and difficult task, requiring a search of the leading insurers in the market, fill one by one all the various forms of insurance, and manually compare home insurance available. The comparative home insurance Kelisto born with the intention of joining the market in one place, so you can compare home insurance, in minutes, comfortably, and filling out a single form. The comparative home insurance Kelisto queried in real time on each of the insurers included, so that, with the information provided, they calculated the price of premiums.It is not possible to know in advance the price of home insurance. It is not even possible to know a priori which company will offer you a cheaper policy. This is because the prices offered are determined by the risk profile of the insured property (according to their geographical location, height, security measures they have, etc..) And limit the quantities to insure. Therefore, to compare home insurance, you need to provide the data that insurers need to set different budgets to the circumstances of each case.All insurance companies included in the comparison have a high reputation. Both in the case of traditional insurers, where we have the largest insurance market in terms of turnover, as in the case of direct insurers, except Hotline (which is part of Bankinter), are part of large insurance groups. Therefore, when comparing different home insurance, you can choose the one that offers the coverage you need at the cheapest price, as insurers enjoy associated maximum guarantees.

How to get the best price for your home insurance

How do you calculate the price of home insurance?
The premium for home insurance is the price we have to pay the company in exchange for cover us in the event that happens the loss covered by the policy. To calculate the price of home insurance, insurers multiply the probability of a loss (called claims frequency) by the average cost of the damage. In this result will apply other costs, such as their profit margins, administrative costs, customer acquisition, etc..
Obviously, the claims frequency depends on the assumptions that are guaranteed by the insurance coverage, and the particular characteristics of the property. Therefore, if our policy only covers fire damage to the property, the price of home insurance is determined by the probability of a fire occurring and the cost of repairing the damage. And if, for example, covers the loss of theft, loss frequency will depend greatly on the particular characteristics of the property insured. Factors such as the area where it is located, the height, or if you have no security door or window bars, make that the probability of occurrence of theft vary and therefore so will the price of home insurance ensure theft damage.
The cost of repairing the damage depends on the value of the property or the contents thereof, and the limits to which you want to ensure the value of the goods.How I can get the best price for my home insurance?
First, we need to analyze what type of home insurance you need. The elements and casuistry insured coverage can vary significantly between companies and product to product. It is therefore very convenient decide what to insure and what assumptions.Once decided which ensure it is important that you make a thorough analysis about the value of the property that you are secure and certain of what it would cost to repair damage to the continent of the property, not infra ensure or secure your property, adjusting and the price of your home insurance needs.
When you have decided what and how secure, look for the best price for home insurance that best fits what you're looking for. For this you will need to perform a custom quote on the main insurance market. You can do this separately for each of them or use a home insurance comparison like Kelisto. Our comparative combines all questions that insurers need to adjust the price of home insurance available to the characteristics of your home. So you only have to fill out a single form and our comparative prices look custom home insurance available in the insurance partner.
Besides price, our comparison will allow you see the details of all available policies. As already mentioned, the price is not the only factor to consider in a home insurance because coverage can vary between different products. Therefore, a comparison of the coverages included lets you select that policy that gives you a better price for the coverage that you consider necessary. This allows you to choose the best quality / price on your home insurance.

Armchairs and chairs become more comfortable

The sofas are the undisputed protagonists of the living room of a house. For several years, new trends in the chairs make a design element, however, incorporates the elements necessary for anyone to feel the meaning of comfort.

The current sofas incorporate modern technologies, including the ability to give you a massage, besides having headrest and footrest adapted LED lighting to read more comfortably and even multimedia equipment to listen to music. Ergonomics, comfort and functionality are the three things everyone goes looking for when buying a chair today.

As for colors, they take the more daring, you can be very well combined pleasant, while the textures are eclectic, but with one common element: be nice to the touch.

They also have ergonomic chairs, and Japanese-inspired Scandinavian design. A body relaxation is joined by visual relaxation involving her curves. They are suitable, rather than long hours of rest, for work at a computer screen or an informal chat between friends.

As for the chairs, the trends are aimed at providing the best comfort from their bold forms, often verging on modernism. They are one of the most personal of a room, and as such some of the furniture to be cherished with special care.

With thousand and materials to develop any form that supports the imagination, the chairs offer numerous possibilities for decoration lovers who will not hesitate to hire the best home insurance to protect their works of art.

Tips to make your home safer this summer

We are in the middle of summer and most already have planned or are enjoying our well deserved vacation. The will have to go for a trip abroad, many will come to bask in the sun on the beach and some will have to stay home because surviving in the pool this year is no time to great expense. In any case, either in your primary residence or if you are lucky enough to have a summer house, you need to take appropriate measures to protect your home against theft, since summer is a favorable time for theft in home, because the houses are empty for a long time and we can always be carried away by the carefree vacation.This guide will provide some common sense tips you should always remember, that combined with your home insurance will help you protect your home this summer.

    Always close doors and windows when you go down to the beach, go out to dinner at night or just go shopping, make sure all doors and windows are always closed tightly, especially if you live on a low floor. A window open and accessible is always an invitation to any thief who wants to make a quick robbery. Jewelry, money, electronics, etc.. are desirable goals that may be visible and are easily transportable. Therefore, if only for a moment you're out, do not forget to check that you do not leave anything open.

    Connect the alarm regarding the above advice, once you've found that doors and windows are closed, connecting the alarm whenever you go to leave your house empty, if you have it. It is always better to be safe than to meet an unpleasant surprise because we did not want to take a moment to press the alarm button.

    Leave nothing to the weather: if you have a garden or a porch, always nice to have a barbecue or have a drink in the heat of the night, but the enjoyment does not make you forget that there is nothing easier than to take something that is at hand. Do not let anything without collecting any utensil gardening, bikes, toys, easily forgettable as mobile phones, are things that can get in the open and already we find them the next morning.

  Spare keys: Always have a spare key and trusted déjaselas someone as a neighbor or a friend. Do not ever ever leave spare keys in a super-secret hideout you believe as they do in the movies, because you can take a huge disappointment.

   Do not leave your house empty too long: if you make a long trip or going to be away from home for a long time, someone is occasionally pass by your house to check that everything is in order. It is always good to see some activity in the house and it does not create the feeling uninhabited.

    Empty your mailbox: a stack of letters, bills and flyers in your mailbox is a sure sign that you're out, and an invitation to any thief worth his salt. You can ask the doorman in your community or a neighbor collect the cards that they accrue to your inbox, to avoid it being so obvious that you are away from home.

  Double-check that everything is closed: when you leave your house to take your vacation, you may be in a hurry to get to the airport as soon as possible and keep the train, but conscience and always check that all doors and windows are closed and the system connected alarm, if you have one. In the end this is the best way to protect your home against any assault.

What to do if you have been robbed at home

It is the nightmare of any: 
coming home after a long day at work, coming back from a vacation or just a dinner with your friends, and you find that the door or any of the windows in your home have been forced. You walk in and you realize that you have robbed the house. After the initial shock, there is always the question: What do I do now?  we serve you some tips to overcome this traumatic experience, so here we explain what is the best thing you can do if you suffer the misfortune of stolen you home.

  
  Call the police: 

 it is clear that this is the first thing that springs to mind when you encounter an event like this, but you should not take even a second to do so. The sooner you call, the sooner you can resolve everything. Important: If you sense that the thief is in the house, do not stay there, you can go to a neighbor's house and from there call the police, and if you fully surprised theft, do not try to deal, in many cases the thief not hesitate to use violence against you and might even take you as a hostage to you indicate where the valuables.
   
 Do not touch anything: 
it is best not to touch anything if you discover you've been robbed. Not only for the tracks you can destroy, but that much easier in police work if they access the crime scene as the thief left. Wait until the police arrive before making any movement inside the house.
   
 Make a list of everything stolen: 
police once you allow free access to your house, room by room looks and make a comprehensive list of everything that has been stolen or damaged in any way. If you have bills or documents evidencing what is missing, include them too, will be very useful for insurance companies.
 
   Inform your bank: 
missing any credit card or checkbook, immediately call your bank to set aside everything you need. If you also have been computers, CDs, USB drives or any other electronic or digital media that may contain relevant information about your financial data, also communicate this to your bank. If you also need your passport or driving license, put it to the attention of the appropriate authorities as soon as possible.
 
   Tell it to your insurer: 
assuming you have taken out a home insurance, contact your insurance company and arrange for the claim. Please hand the list of stolen goods, with accrediting documents and invoices, you may need it. Normally you can claim on the stolen or damaged (content) and damage to the home itself (Mainland), like broken windows, doors forced, etc.
 
    Ensures new home: 
doors and windows broken or forced should be repaired immediately after the robbery. Since you have no choice but to undertake these small works, you can use to review and strengthen all safety devices and mechanisms available to your home. You can install a security door if you had not already, connect an alarm system, etc.., Various resources designed to not repeat any theft at home.

    Home insurance: 
after a robbery is always a good time to review your home insurance. You have to assess whether the coverage that gives you enough or if you are willing to pay a little more for a higher level of security. You can even invest in safety measures and save the money on your home insurance policy, keeping in mind that a good home insurance is necessary for dealing with theft in your home in the best way possible.

Guide savings on home insurance

Guide savings on home insurance

1. Compare prices is the key to savingCurrently there are more than XX household insurers in Spain and it is increasingly difficult to know what is the best option. Therefore it is important to compare the offers on the market to achieve savings that can reach up to XX%. We are used to compare prices for flights or hotels, and thanks to the online price comparators, we include our data and in a few minutes and get the various offers in the market. 
2. Customize your policyAnother key aspect for saving on home insurance policy is perfectly suited to the characteristics of our house as it is not the same city in which we live, if you have pictures or jewelry or if you live in a residential Private, for example. All these changes are altering the price of insurance, hence the importance of maximum customization. Even some home insurance companies offer special rates for young or coverages designed specifically for domestic workers or computer service. Each person has specific needs. 
3. Take advantage of dealsDue to the large number of companies, insurers now offer significant offers to purchase a policy from home. Options and unify our auto and home policies with the same insurer, make discounts via Internet or phone, or even split payment, can help save time in the home insurance. 
4. Precautions to cheaper insuranceThere are aspects that improve the safety of our home and also make insurers offer us a lower price as they feel that the risk is lower. Having a security door, alarm systems, security cameras and a safe are aspects that can lower the cost of home insurance. 
5. Will there be an earthquake? A tornado? Check your policySome studies in Spain there are 3 million people who do not know what your home insurance company and what your insurance covers specific claims. There are policies that involve risks of earthquakes, flood or coverages that may not need to go. In this time of crisis is good review which includes our policy and perhaps eliminate some of our hedges.

Scams in the insurance sector with the crisis grow

The scam or fraud in the insurance world are not new, just the opposite, are the order of the day. The problem is that currently grow in amount and intensity. The picaresque in times of crisis invents new ways to cheat the insurance companies, which detect new forms of fraud as a simulated armed robbery in order to collect the insurance premium, a fact not very novel if it were not for the consumer who has devised this stratagem insurance agent on duty as an accomplice.

Apparently, since there have been cases in which a person reports to police robbery with intimidation-advised by your insurance agent, to gain access to payment of compensation, which, says the agent, will not be problems of a robbery, as quoted in the coverage contracted with certain insurance companies, as well as ensuring that the building and contents of the home through home insurance, covering theft outside the home as long as they have the component mentioned and be reported to the police by the victim, who will also be the policyholder or, at least, be covered by him as beneficiary.

The premium may amount to 700 euros, an amount that does fairly moist more than one raised this possibility. If you're in a desperate situation and also your insurance agent encourages and incites you (presumably to ask after a proportionate share of the premiums collected), only your right mind or that of those around you will make you completely rule out this option. And the best part is that you do, since the fraud was discovered, you could face severe economic sanctions that would only worsen your financial situation.

we advise you to act wisely and honestly. If you hire a home insurance with a responsible company will have no problem, if you also hire adequate coverage for your needs, you will have no surprises why take.

Top 5 Family Expenditure

Top 5 Family Expenditure of bulb Spending on light is one of the most important
Saying goes, "Before you marry look what you do." It may be exaggerated, some people say that "nothing is further from reality." Marry and raise a family is one of the great joys of life, but it all leads to a number of expenses and invoices that often had not anticipated. Any father or mother may well witness this list of household expenses and recommend some tricks to save:Light
One of the favorite sayings of the fathers to the children, along with "Get to school" or "lie down and" is "off the lights." Children obviously do not waste time wondering if the light has gone up this month or whether to have a traditional bulb or low energy. What is undeniable is that the electricity bill is one of the greatest fears earlier this month, and to a greater or less known to a minimum bill is just the calm before the storm.

 Car Insurance
 
Car insurance is compulsory expenditure, but not at any price. Search, compare and choose. Loyalty to the company "always" been lowered after the onset of direct insurers. Now, the offer is much wider and there are tools such as car insurance. which collect information to face charges in a relationship that helps you choose the most appropriate policy for each person and vehicle. It occurs three quarters of the same with home insurance. 

Insurance
 
It is not mandatory, but more and more people choose to hire private health insurance to avoid long waiting lists that plague public safety. Parents see it as a guarantee of protection for their children and, again, supply is very large, so a way to catch up is to use a health insurance comparison. 

Food
Not the same feed oneself to feed three or four. Not to mention that children do not come with a loaf under his arm, but you have to give you. A lot. To grow healthy and strong. Will not you spare a dollar on it, but fill the shopping cart family is one of the biggest expenses of the month. There are also supermarkets comparators that can help you save on monthly food expenditure compared. 

Mortgage
If spending on food you do with great taste, the mortgage up more headaches, and news of the Euribor not often help calm them. Yes, better get used to and find the best choice before getting a mortgage because, like marriage, is almost for life.

These are just some of the many expenses that a family must meet monthly. But there must also be portfolio for the gas bill, gas, mechanical revisions cars, child daycare, orthodontics for girls, vaccinations, school books, clothes, glasses, gifts and some , even for a pension plan. Too many fixed costs to not put an eye on the savings.