{"id":10175,"date":"2023-08-22T11:08:00","date_gmt":"2023-08-22T09:08:00","guid":{"rendered":"https:\/\/www.assap.ad\/home-insurance-do-i-have-to-have-insurance-for-my-second-home\/"},"modified":"2024-10-23T18:47:17","modified_gmt":"2024-10-23T16:47:17","slug":"home-insurance-do-i-have-to-have-insurance-for-my-second-home","status":"publish","type":"post","link":"https:\/\/www.assap.ad\/en\/insurances-andorra\/blog\/home-insurance-do-i-have-to-have-insurance-for-my-second-home\/","title":{"rendered":"Home insurance: I need to have insurance for my second home"},"content":{"rendered":"\n

The arrival of summer not only brings travel to holiday destinations, but also to our second homes<\/strong> . After a period of time without being able to enjoy or visit our second homes, it is advisable to do a review so that we can enjoy our holidays without any scares. We should also pay close attention to the insurance<\/strong> we choose for our second homes<\/strong> . <\/p>\n\n

Although the second residence<\/strong> is usually empty for longer periods of time, this does not mean that the owners should neglect the protection<\/strong> of this home. We believe that, on the contrary, since, being uninhabited for many months of the year, it is more likely that a theft<\/strong> or some breakdown<\/strong> may occur, such as, (electrical faults, water leaks, windows broken by storms and a large, etc.) That is why it is important to have home insurance<\/a> that can cover this type of incident. <\/p>\n\n

Tips to secure your second home<\/strong><\/h3>\n\n

Analyze your property wellA house with a swimming pool<\/strong> is not the same as a flat in a residential area<\/strong> . You have to take into account the area<\/strong> where it is located, whether it is in a residential area or in a remote area facing the sea. If it is far from the most central areas of the town, you should look into insurance<\/strong> that covers theft<\/strong> . It is also important to calculate both the building and the contents<\/strong> . <\/p>\n\n

<\/h3>\n\n

How to calculate the contents and container correctly<\/strong><\/h3>\n\n

The container<\/strong> is the value of the construction of the empty house<\/strong> , that is, what it would cost to put the walls back in place, roofs, land or all the installations after the serious incident.<\/p>\n\n

In the case of a single-family home<\/strong> (chalet), to make this calculation we will have to multiply the square meters by the cost of construction. If it is a flat, where the building’s community is located, what we have to do is find out the % of coefficient<\/strong> that we would have insured through the community’s policy, and from there make a rule of three. <\/p>\n\n

The content<\/strong> is the value of everything inside the house<\/strong> , furniture, clothing, appliances, computers… High value objects such as jewelry<\/strong> , watches, paintings, sculptures,<\/strong> etc. should also be taken into account. <\/p>\n\n

To calculate the contents, we will have to add up the furniture, appliances, etc. that we have in the home. The calculation will not be the same for someone who has the minimum amount of furniture and appliances as for someone who has designer or high-end ones. <\/p>\n\n

What coverages are important in second home insurance?<\/strong><\/p>\n\n

At Assap Seguros<\/strong> we believe that no home insurance policy<\/a> should include damage caused by water, fire, explosion, smoke or soot, atmospheric phenomena and, above all, theft and looting<\/strong> .<\/p>\n\n

But there are coverages<\/strong> that we do not remember and that are important to consider when increasing the guarantee limits<\/strong> . These would be some of them, theft of money from a safe, jewelry in the home, or reconstruction of the garden in the case of a chalet. In any case, we believe that it is important to take into account when choosing an insurance<\/strong> what we want to insure. <\/p>\n\n

If you still have doubts or want to take out home insurance<\/strong> for your second home, do not hesitate to contact Assap Seguros<\/a> , we are at your disposal for any clarification.<\/p>\n","protected":false},"excerpt":{"rendered":"

The arrival of summer not only brings travel to holiday destinations, but also to our second homes . After a period of time without being able to enjoy or visit our second homes, it is advisable to do a review so that we can enjoy our holidays without any scares. We should also pay close […]<\/p>\n","protected":false},"author":1,"featured_media":6482,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-10175","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/posts\/10175","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/comments?post=10175"}],"version-history":[{"count":1,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/posts\/10175\/revisions"}],"predecessor-version":[{"id":10176,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/posts\/10175\/revisions\/10176"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/media\/6482"}],"wp:attachment":[{"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/media?parent=10175"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/categories?post=10175"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.assap.ad\/en\/wp-json\/wp\/v2\/tags?post=10175"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}