Post by account_disabled on Mar 11, 2024 21:44:54 GMT -6
Homeowners have “fake” rental insurance , that is, they believe they have a real policy that protects them in case of non-payment or acts of vandalism at their home, but they have actually contracted false insurance that does not guarantee these. circumstances because there is no official entity behind it (General Directorate of Insurance and Pension Funds). From the Spanish Rental Insurance Observatory (OESA), they offer a series of tips to know if we are dealing with false rental insurance . Fake rental insurance, 10 tips to detect them: Check that the product is marketed by an Insurance Broker specialized in non-payment of rent: These specialized brokers are the only ones who can give a comparison of the quotes from the different insurance companies, as well as advise on the ideal policy in each case. Look for references of the chosen specialized Insurance Broker through its website and social networks: Check which insurance companies it works with and remember that the most specialized in this type of insurance are ARAG, DAS, Mutua de Propietarios.
Allianz and CASER. Likewise, we recommend that you consult the conditions of the idealista insurance , whose provider is ARAG. Be suspicious of the different rental guarantee products supported by powerful and repetitive advertising campaigns that act as a hook. Campaigns that even use famous faces. The communication Czech Republic Mobile Number List of insurance brokers is channeled through means of a markedly professional nature. Verify that the price of the non-payment insurance is within the appropriate margins : This amount ranges between 4% of the annual income for coverage of 12 months of income. That is, 20 euros per month for an average rental income of 700 euros. Make sure that the Insurance Broker specialized in approving the insurance will do a feasibility study of the tenant. This is very important, since many cases of document falsification or tenants who rent several homes and then sublet them are detected.
Once the policy has been selected, carry out the final contracting operation through a real estate agency or an insurance comparator whenever you can. It is a good extra protection shield and prices do not increase in any case. Have the different supporting documents that ensure hiring : In this sense, the first thing we must do is obtain the tenants' data processing consent when they provide their data (ID and payroll) to proceed with the solvency study . Once the policy has been contracted, confirmation of the operation must be requested by requesting the insurance policy. Demand from the Insurance Broker the possibility of contracting without a deductible or with it : In the event of contracting without a deductible, you will charge the monthly payment starting from the first month in the event of an accident. If you opt for a franchise contract, it will be from the second month onwards.
Allianz and CASER. Likewise, we recommend that you consult the conditions of the idealista insurance , whose provider is ARAG. Be suspicious of the different rental guarantee products supported by powerful and repetitive advertising campaigns that act as a hook. Campaigns that even use famous faces. The communication Czech Republic Mobile Number List of insurance brokers is channeled through means of a markedly professional nature. Verify that the price of the non-payment insurance is within the appropriate margins : This amount ranges between 4% of the annual income for coverage of 12 months of income. That is, 20 euros per month for an average rental income of 700 euros. Make sure that the Insurance Broker specialized in approving the insurance will do a feasibility study of the tenant. This is very important, since many cases of document falsification or tenants who rent several homes and then sublet them are detected.
Once the policy has been selected, carry out the final contracting operation through a real estate agency or an insurance comparator whenever you can. It is a good extra protection shield and prices do not increase in any case. Have the different supporting documents that ensure hiring : In this sense, the first thing we must do is obtain the tenants' data processing consent when they provide their data (ID and payroll) to proceed with the solvency study . Once the policy has been contracted, confirmation of the operation must be requested by requesting the insurance policy. Demand from the Insurance Broker the possibility of contracting without a deductible or with it : In the event of contracting without a deductible, you will charge the monthly payment starting from the first month in the event of an accident. If you opt for a franchise contract, it will be from the second month onwards.