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Home insurance covers your house structure and immovables such as your kitchen, bathroom, and bedroom from damages or losses that arise from unforeseen circumstances. Home insurance may be required by your bank and building insurance may be demanded by the building to avoid loss of rent.
Home insurance is the responsibility of your landlord. But your house-content and personal belongings are on you. You need home content insurance to protect your goods from theft and accidental damage due to man-made or natural-made catastrophes.
Inform the Insurance company about the claim
Provide them with precise information regarding the damages caused
Insurance company verifies claim request
Sends claims surveyor to premises
Once the claim is validated, you receive the reimbursement