Five of each ten owners has changed of sure of home
You grieve 18% of the secondary houses has hired a policy.
53% of the Spanish owners has left the company with which had hired the sure of home in the last year and has signed with another in search of prices lower and better coverages.
“This percentage has augmented three points with regard to the anterior year, what shows a profile of consumer more critical and nonconformist”, according to a studio elaborated by the comparator Rastreator.com.
Although it is not compulsory, the one of home is one of the most popular policies. According to the patronal Unespa, is the second regarding level of penetration among the Spanish families, only by behind the insurance of car. Almost seven of each ten Spaniards (68,1%) have ensured his main house, but only 17,9% has sure for his secondary house. Still like this, there is 44,2% of owners that affirms to have intention to ensure all his houses.
The homes where there is less tendency to protect the house are the ones of Canaries, Galicia and Balearic, where grieve surpass 64%, on the contrary that occurs in Basque Country, the region with elder prices of homes ensured, above 89%, gone on down Navarra and Madrid.
Failures, harms and reparations are the accidents by which more have had to demand the ensured to his companies in 2015. According to the Social Memory of the Sure 2015 of Unespa, the harm by water has been the most frequent failure in the homes ensured. Afterwards they are the claims by environmental agents or atmospheric phenomena, that perceive 20,4% of the claims to the insurers of home. In third place situate the claims by thefts or vandalism (16%),one of the factors that more concern to the insurers for supposing the tallest costs. In fact, each day produce 961 thefts that are indemnified by the sure and the companies disbursed 291 million euros by thefts in homes in 2014, signal in Rastreator.
WITH REGARD TO the insurance in the communities of neighbours, neither is compulsory, save in the communities of Madrid and Valencia, and only 32% of the owners knows the coverages of his policy, indicate in Mutual of Owners. According to the last data of ICEA, the most usual accidents are the harms by water (81,5%),followed of the atmospheric phenomena (21%),of the break of crystals (10%) and of the civil responsibility (8%).
Source of the notícia
