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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 unforseen circumstances. Home insurance may be required by your bank and may be mandatory for your building.
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 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