A lot has changed in the field of interior design in the last few decades. In the past, the four walls at home were often furnished according to a certain standard size - but the demands placed on interior design have now changed significantly. Stylish furnishings provide long-term enjoyment and are a long-term investment - and must be secured accordingly.
Stylish furnishings: How to secure the furniture
Especially since the Corona pandemic, people are placing much more value on individual, high-quality furnishings in order to create a comfortable and beautiful home. Mass-produced goods are therefore no longer an option for many consumers. They are increasingly opting for special features that, among other things, impress with their longevity - after all, that is also importantInterior areasustainability plays an increasingly important role.
Nevertheless, such facilities are of course not exactly cheap. That's why many people ask themselves how they can best protect their high-quality and therefore expensive furniture. In any case, the basis for this is good household contents insurance. But what constitutes such insurance and what should you pay attention to when concluding the contract?
What actually belongs to the household contents?
In principle, household contents include all items in the apartment that can be moved freely. This also includes luxurious pieces of furniture. As a guide, the rule is that everything that would be taken with you when moving to a new apartment is part of the household contents.
In addition to technical devices, high-quality furniture is often the most expensive item and therefore requires comprehensive protection. In addition, special technical items, such as a high-quality tablet, can also be insured. SuchInsure items, is possible with so-called item insurance.
Anyone who takes the trouble to add up the total value of their movable household goods will quickly be amazed at the immense sums that come together.
How can you find the right home contents insurance?
When it comes to finding the right home contents insurance among the numerous offers, you should never forego a comprehensive comparison.
The individual insurance conditions must always be taken into account. Only if they match your own requirements and needs does household contents insurance really offer optimal protection - even for luxurious pieces of furniture.
There are some damage events that are generally covered by household contents insurance. These include damage caused by fire, vandalism, theft, hail, storms and tap water.
Tip: Create a detailed inventory list
However, those who really want to comprehensively insure their expensive furniture should not necessarily choose the cheapest tariff. In this case, it is often worthwhile to seek qualified advice. In this context, the scope of services provided by the respective insurance ultimately plays a particularly important role.
When concluding an insurance contract, it is important to pay attention to what services the existing household contents require. This is made easier by creating an inventory list in advance that includes all expensive pieces of furniture including the respective purchase price. The individual items must then be added up. The sum insured for household contents insurance should match this result.
The inventory list created can also be handed over to the insurer. In this way you can ensure that they are informed about the existence of the special pieces. The insurance company should also always be informed when new, high-quality furniture is purchased. It may then be necessary to increase the sum insured in order to avoid taking any risks.
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