Er det virkelig nødvendigt med boligforsikringer?

Hvis man ser på det samlede udbud af forsikringer, vi har mulighed for at tegne i Danmark, er det få af disse, der er lovpligtige. De relativt få, det drejer sig om, er 1) ansvarsforsikring til hund eller hest, til visse køretøjer (bil, motorcykel og scooter bl.a.), til speedbåd, vandscooter og jetski, 2) Kaskoforsikring til dit køretøj, såfremt du har lånt penge til finansiering, og 3) brandforsikring til ejerbolig (ofte som del af husforsikring), ligeledes hvis du har optaget lån til finansieringen. Hvis vi fortsætter i snakken om boligforsikringer, er det i højeste grad husforsikringen, der tegnes. Det skyldes netop det lovpligtige krav om at være forsikret mod brand, hvis der er lån i boligen. Men hvad med ejerskifteforsikringen og indboforsikringen? Og er det virkelig nødvendig? – hvad du skal være opmærksom på, når du tegner ejerskifteforsikring, og giver indblik i hvad den dækker.

Forstå ejerskifteforsikringen og vurder, om du har brug for den
Hvis man kort og godt skal opsummere, hvad ejerskifteforsikringen er for en størrelse, er det et produkt, der dækker over skjulte skader, fejl og mangler i boligen. Der er selvfølgelig tale om et langt mere komplekst produkt end som så. Faktisk så komplekst, at det har givet anledning til en del forvirring blandt forbrugere i forhold til, hvad der egentlig er dækket, og hvad der ikke er. Dansk Boligforsikring forsøger så vidt som muligt at skabe gennemsigtighed, når det kommer til forsikringsbetingelserne, så forventningerne afstemmes tidligt. Af samme årsag opfordrer de folk til at læse betingelserne meget grundigt igennem. Selskabet bruger ligeledes meget krudt på at producere indhold, der kan hjælpe forbrugerne med at forstå ejerskifteforsikringen bedre. Nedenfor kan du se eksempler på to skader, der besigtiges af en byggekonsulent.

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