En billig indboforsikring er guld værd, når uheldet er ude
Der er nogle poster i budgettet, som man bare ikke bør spare væk. Alligevel har 13 % af danskerne sparet denne forsikring væk i budgettet. Det kan naturligvis også føles som penge ud af vinduet, når man hver måned betaler til en kasse, som aldrig bliver brugt. Forhåbentlig får du aldrig brug for at gøre brug af din indboforsikring. Er uheldet pludselig ude, vil du dog prise dig lykkelig for at have tegnet den.
Få dækket værdien af dine ejendele med en billig indboforsikring
Lad os antage, at dit hus har været udsat for brand eller anden omstændighed, der har medført, at du har mistet alle eller mange af dine ejendele. I sådan en situation vil indboforsikringen gå ind og dække værdien på alle disse genstande, så du kan købe tilsvarende. Har du ikke en billig indboforsikring, skal du selv hoste op med pengene. Husforsikringer dækker ikke dine ejendele. Er din bolig eksempelvis forsikret mod brand, gælder dette ikke for al indholdet såsom sofa, TV, bøger, smykker, tøj og hvad du ellers måtte have af ejendele.
Dette dækker en billig indboforsikring ikke
Det er ikke alt, forsikringen dækker. Den dækker dog hovedparten af dine ejendele, så det vil helt sikkert være fornuft at have sådan en forsikring. Følgende ting dækker den ikke:
- Skader, lavet af kæledyr
- Tyveri uden for hjemmet
- Dyre cykler
- Tyveri i udlejet bolig eller sommerhus
- Bestemte vandskader
- Ting, du har tabt eller glemt
- Uforsvarlig opbevaring
- Tyveri af tin i bil
- Særlige pludselige hændelser
En billig indboforsikring dækker dog ikke alle slags skader. Har du eksempelvis en hundehvalp med kløende tænder, der æder dine møbler, bliver dette ikke dækket af forsikringen. Laver din hund skade på andres møbler, er det hundeansvarsforsikringen, du skal tage i brug. Får du stjålet ting, som ikke befinder sig i hjemmet, dækker forsikringen heller ikke.
De fleste forsikringer dækker cykler op til et vist beløb, hvorfor du ikke skal forvente at få dækket hele beløbet ved en meget dyr cykel. Udlejer du eksempelvis et sommerhus, er det lejernes ansvar, hvis der bliver stjålet ting. Din forsikring dækker dermed ikke. Har du en selvforskyldt vandskade, eksempelvis i form af frostsprængte rør i et uopvarmet lokale, vil forsikringen ikke dække tingene.
Vær opmærksom på, at det ikke er alle skader, der dækkes. Falder dit TV ned fra væggen, kan forsikringsselskabet vurdere, at det ikke er hængt forsvarligt op. Spilder du på det dyre tæppe, kan det ligeledes sidestilles med en hverdagshændelse, som ikke dækkes. Har du et område, der har været udsat for gentagne vandskader, kan det også vurderes, at du har placeret dine ting uforsvarligt efter samme problem adskillige gange.
Dette dækker indboforsikringen
Står du med et hus brændt til jorden eller alle dine ejendele ødelagt af røg, kan du derimod få erstattet det hele. Denne forsikring dækker ved:
- Brand
- Tyveri
- Indbrud
- Nogle former for vandskade
Dette er alle hændelser, som du ikke har indflydelse på, og som en indboforsikring vil dække. Vær desuden opmærksom på, om du har selvrisiko.
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