If you have an attic, you can use a Sure. Home to protect you from possible incidents that can happen to anyone in our house. However, in the case of living on the last floor, in addition to the traditional home insurance we recommend that you look for a home insurance for attic, with the general coverage and, in addition, the specific coverage of this type of housing.
Home insurance for penthouses
The attic is the top floor of a multi-storey building. It may be a dwelling like any other, but the truth is that it has its own characteristics and also its specific risks. Therefore, within the home insurance block, we find a special category: home insurance for attics. One of the biggest problems of the attics is usually the terraces, which often constitute a candy for the thieves.
In this article we will explain in detail what are the main coverage and the most significant differences in this home insurance for attics.
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Home insurance coverage for penthouses
We explain in detail the usual home insurance coverage and the specifications that attic home insurance usually has.
1. Civil liability
All home insurance must cover the damage we can cause to a third. This is so in any type of housing, also in the case of attics.
2. Water damage
Water damage is the most common. You can break a tap, a pipe or even a simple joint or lacquer and cause it to flood from our house and even those of the neighbors who live under us. Depending on the volume of water, it can even cause damage to several floors below our own. If we live in a first, the damage will be caused to the bottom and little more, but in the case of an attic we could cause water damage to all the houses below us in the vertical.
3. Damage to theft
The attic and the low plants are easier to steal than the intermediate plants. Even more so if, as is usually the case, there are terraces in the attic that can be easier to access. So, the coverage of theft in attic home insurance is also very important.
4. Atmospheric phenomena
This is particularly significant in the case of single-family and attic housing. Up there, the possibility of times, torrential rains that flood the attic or cause drips, winds above 96 km / h, snow accumulation etc., is more real than in intermediate homes. Therefore, the coverage of atmospheric phenomena is also very important within the attic home insurance.
5. Impacts and crystals
High floors and especially attics, where there are sometimes large windows or doors to glass terraces, often suffer impacts from birds that can break glass. So, this is another typical cover for attic home insurance.
6. Fire insurance and electrical damage
They are another cover included in home insurance and also in attics. In the case of attic home insurance, it is particularly important, because as we have seen, the chances of a lightning drop or a storm that causes an electric failure are greater.
In short, attic home insurance is still a home insurance, but adapted to the needs of this type of housing.
If you need it, contact us.
In inXur we will explain everything about you Policy And you premium, so you have all the information and you can always make the best decision that suits your needs and those in your pocket.
Remember, if you prefer, you can also contact us on the phone by calling us on 911982330, sending us a Whatsapp to 660839546 or sending an email to clientes@inxur.com.
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