Before continuing, first choose the corresponding package.

If your app is called WhatsApp, choose Fouad iOS.
If your WhatsApp is called MBWhatsApp, choose MB-WA iOS

Fouad iOS WhatsApp

This package replaces the official WhatsApp, you need to uninstall the official WhatsApp

MB-WA iOS WhatsApp

This package doesnt replace the official WhatsApp, you can use a second number with this package


Home insurance: how to choose the right one for you

Learn how to choose home insurance that meets your needs in terms of coverage and price. Let’s share some tips.

When we talk about home insurance, we talk about protection against unforeseen events. This includes mandatory fire insurance on condos, but can also include multi-peril insurance, which is only required if you apply for a bank loan to buy a home.

However, given that multi-risk insurance covers a wide variety of situations (including fire), it is recommended to contract it for all homes. However, the most important thing is to choose the home insurance that best suits your needs, both in terms of coverage and price.

Home insurance: how to choose?

If your property is a house in a horizontal building, you must take out fire insurance, or more specifically «Fire and natural elements». But as we said, multi-risk insurance is more complete. We look at all the options so you can make an informed decision.

Fire insurance: How does it work and what are the protections?

The owner of the property must take out the fire insurance prescribed by law, which covers the risk of fire. This should include not only the relevant part, but also the general parts of the building. If the owner does not rent, the apartment manager will rent and this amount will be returned later.

Your employment can be independent or covered by multi-risk insurance.

Fire Insurance Protection

This insurance covers damage caused by fire to the floors (walls, crockery, built-in furniture) and common parts of the autonomous part.

Damage may be caused by fire, heat, smoke, steam, or explosion, firefighting measures, or removal or destruction by firefighters, police, etc. in rescue operations.

Multi-risk Insurance: Main Policies

Multi-risk insurance is, as we said, more complete. This includes not only other risks besides the fire in the building, but also the filling of the house. Although only required when taking out a home loan, due to its scope, this home insurance should be taken out to ensure security in case the unexpected happens to your property. And whether you have a mortgage or not.

If you have a flood and you do not have this insurance, you will have to pay for all the damages to your house and even to your neighbors. There’s a good reason to buy this insurance for your property, whether it’s a permanent home, a vacation home, or even a rental property.)

In addition to the default coverage common to most of these policies, each insurance company that sells it can add additional and optional damage or replacement coverage. This may also include liability insurance.

7 tips for choosing a home insurance that suits you

Knowing that there are many offers on the market, you can choose the one that best suits your needs and family budget.

1. Decide what coverage you want from your home policy

If the property does not have bank financing, decide whether to contract only fire insurance or multi-risk insurance. For the latter, decide what additional protection you want to add.

Do not forget that the more insurance you include, the more contingencies are covered and therefore the greater your coverage, but also the higher the premium.

2. Determine the market price of the reform of the property

Calculate this value to determine the value of the insured capital as an asset. Corrected so that it does not cause prejudice to the payment of an insurance premium or compensation received in relation to a claim.

Remember that compensation is paid according to the rule of proportionality. Therefore, ideally, the ratio of total capital insurance to the rebuild market price should be one.

3. Request simulations from multiple insurance companies

Since the price is freely determined, ask several insurance companies for a simulation. Consult the protections you want.

4. Analyze coverage and exclusions

Once the offers are received, verify that the coverages offered are of your choice and read the exclusions carefully. They are as important as insurance because they are non-compensable situations.

5. Compare offers and consider your budget

Compare the proposals, but remember that you can only compare them with the same assumptions and see if they fit your family’s budget.

6. Choose the offer with the best price/coverage ratio

While it’s important to get as much coverage as possible, more coverage means paying more, so family budgets can be a limiting factor. Therefore, it is important to get the price/coverage right.

7. Save on your home insurance

Since most insurance companies require a premium, choose the annual premium. Ask if paying by direct debit also gives you additional discounts, some insurers do.