Purchasing home insurance is strongly recommended whether you are a renter or a landlord. Before that, you have to ask about insurance companies this allows you to benefit from protection in the event of damage to others, in the event of disasters, theft, domestic accidents, etc. If you take out comprehensive home insurance, you benefit from two parts of the guarantee, includes civil liability for all members of the family and housing insurance in the case of theft, fire, or severe weather. But does this insurance cover school trips? Find out in this article are all the answers to those questions:
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Home insurance and school trips for your children: What you need to know
Since comprehensive home insurance covers the liability of every member of the household, it also includes school insurance. The latter covers your child in the event of an accident that may occur in the school and during his journeys between your home and his school, but also school trips, extracurricular activities, and internships to be carried out by your child during his schooling. School insurance generally has two types of cover, namely school liability insurance and individual school accident insurance coverage.
You will understand that insuring your home allows you to protect both your child at school and during their school trips. This type of insurance covers:
A 1-bodily injury that could be suffered by the child
2-property damage to the school
3-your children’s civil culpability
4-psychological support in the context of harassment on your child
In addition, no documents are required when purchasing home insurance, unlike purchasing auto insurance. This will give you peace of mind about the protection of your child, whether at home or at school. In addition, it allows you to avoid purchasing additional school insurance.
Is house insurance required?
The answer to this question is yes and no. If you are a renter or roommate, be aware that you are required to purchase home insurance to cover fires, water damage, explosions, and other damage that you may suffer. Since 2015, according to the ALUR law, all co-owners are also obliged to take out home insurance covering at least one owner’s civil liability.
If you are a homeowner, you are not affected by the obligation to purchase home insurance. However, be aware that it is strongly recommended that you take out at least homeowners’ liability insurance to cover losses related to your homes, such as a fall from a tree or a tile from your roof. In all cases, it makes more sense to take out comprehensive home insurance including private life liability insurance. This option allows you to cover damage caused to third parties for which you are responsible. For example, if your child accidentally breaks an item in a store, your insurance will cover the damage they caused.
Before purchasing home insurance, consider comparing different offers from different insurers by requesting quotes online. This is the guarantee of receiving a better deal.
Finally, you can find here the Best insurance for cars in the USA according to Google :
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