If damage occurred not only in your property but also in the door, window or another part of the home which belongs to the homeowner due to fire, internal water, theft etc. in the home where you live as a tenant, the loss of the homeowner can be covered by the insurance. However, your policy requires a guarantee of “liability to the owner”.
If your Home Insurance policy includes” earthquake and volcano eruption " coverage, the damage that will occur in the event of a possible earthquake or volcano eruption will be covered by the insurance company within the scope of your coverage limits.
The policy covers the costs of temporary residence with the limits and periods included in the policy if you have to change residence due to the fact that your building becomes uninhabitable as a result of the risks involved in the policy.
If the policy has a guarantee of guest goods, the items belonging to the guests in the insured residence are covered by the limit written on the policy.
Tenants’ and homeowners’ household items, cash, and valuables evaluated within the scope of jewelry, electronics, antiques, precious carpets, etc, leading to that may occur are covered against theft or damage. Fixed assets belonging to the building are guaranteed against the risk of theft.
In Home Insurance, the insurant is the person who makes the payment, that is, the person who makes the insurance contract and bears the responsibility of paying the premium. The insured is the person or persons who benefit from the insurance, whose name is on the deed. The insured and the insurant may be the same person or may be different persons. The insured is the person whose expenses are covered in the event of any damage. The insured is the person who is entitled to compensation even if the residence is insured by someone else.
The insured should ensure that all the information they provide when purchasing their policy is accurate and complete. Because, if the insured gives false or incomplete information when purchasing their policy, they may not receive or receive damages compensation from the insurance companies at the time of the damage. Your risk analysis is performed according to the information you provide at the policy purchase stage and your insurance premium is calculated according to this analysis. Some individuals may knowingly or unknowingly make statements of incomplete or incorrect information. Rather than experiencing and realizing the negative consequences of such a mistake at the time of damage, you should provide accurate information when purchasing your policy and check the accuracy of the information you provide. Some individuals may submit false or incomplete information to their insurance companies to take advantage of undeserved discounts in order to purchase a low premium policy. Let's examine an example of this. In vehicle insurance, insurance companies apply alarm discount because the alarm present in the vehicle reduces the risk of theft. Let's examine an insured who buys an insurance policy even though there is no alarm in her/his vehicle. The insured shall, after some time, claim damages compensation to the insurance company due to his vehicle being involved in an accident. In this case, the insurance company conducts a review according to the necessary damage procedures. As a result of these investigations, it detects the false declaration that there is no alarm and, when paying the compensation of the damage, it takes back these unfairly received discounts with additional documents. In addition, deducting from the damage compensation until the discount rate pays the insured the damage is incomplete. In this case, the insured's financial loss is more than the discount s/he received. You should also make sure that you provide accurate information when purchasing your policy, and check the accuracy of the information you provide, in order to avoid being in a difficult situation at the time of damage and to pay for your damages in full. You should also take care that the broker you purchased your policy from is professional and guides it correctly. Because insurance is for damage, you should get your policy in the right place so you don't have to be in trouble at the time of damage.
If the policy is included among the guarantees, water damage caused by the installation, the water damage that may occur as a result of forgetting the taps open, are covered.
Public areas are not included in the guarantee unless the building common areas are specified in the policy. However, in the event of damage not specified in the policy and affecting the policyholder (for example, damage caused by water flowing from the roof to the insured apartment), only the amount of the insured can be paid up to the amount.
The policy covers the exterior door and windows of the residence and the doors in the interior, windows, and mirrors, such as vertical or horizontal windows and mirrors, which are covered against any kind of accidental breakage.
If the policy includes a guarantee of fire comprehensive liability, the damages to the neighbor are covered in proportion to the insured's liability.
All kinds of goods such as artworks, antique goods, articles made of precious metals, trappings, furs, antiques, and precious carpets will be under guarantee provided that the insurance price is stated and listed as precious goods on the policy.