What does an ’80s or more modern apartment need to be safe?
The protection it deserves with suitable home insurance. The main reason to insure your apartment is to feel safe and secure.
- 18/05/2022
There are two categories of people in life: those who like decoration and others who live for it. If I reflect on how many times I have changed the position of my furniture or how much money I have spent on household items, I can easily classify myself in the second one, that is, in the “interior design freak” category. Given that the ’80s, with signature colors, patterns and style, are back to the forefront of interior design, I decided after much thought to buy an ’80s apartment (cheaper and in a good area) and to give, with the right renovation work, a cult touch to my new home. Apart from the design, though, the first thing I looked for was suitable home insurance. This is not only because Greece has a high seismic activity and a high number of wildfires, but also because I want to feel that my home is perfectly safe!
Why did I choose MINETTA Insurance?
I was looking for three attributes in an insurance company: reliability, guarantee and comprehensive support, all in an insurance policy covering everything from reasonable and known factors to small daily “accidents” and unexpected damage, which, no matter how small, can be daunting. I found it all in MINETTA Insurance; more specifically, in the Home Pack Apartment policy. Besides the additional benefits of insuring my apartment, I found some other benefits extremely attractive, including the 20% discount for a holiday home (upon insuring the main residence), as well as the possibility to pay premiums in up to 12 interest-free monthly installments. In addition, this insurance package:
- Offered me full coverage, as it included over 30 coverage aspects in the main insurance package.
- Insurance of the main residence without excess, except in the earthquake insurance coverage.
- The cost of an apartment insurance policy is not high. On the contrary, for an entire apartment (100 m2) it was lower than the annual cost of car insurance!
Home Pack Apartment: What is included
For floor apartments built after 1980, all coverage aspects are included in the main insurance package, namely:
- Fire
- Lightning
- Damage from smoke
- Explosion
- Short-circuit
- Aircraft crash
- Vehicle impact
- Terrorist acts
- Civil unrest
- Malicious acts
- Shattering of windows – mirrors – sanitary ware
- Damage limitation costs
- Replacement value insurance
- Ratio of common – shared areas
- Protection against underinsurance
- Architect-engineer fees
- Removal of rubble
- Relocation costs
- Personal accident
- Insurance of excessive value of home loan
- Insurance of personal belongings in the temporary housing facilities
- Doubling the coverage limit for items of special value
- Storm – hurricane – flood – snowfall – hail
- Pipe rupture
- Water pumping expenses
- Civil liability from covered risk
- Civil liability towards third parties General Civil Liability
- Theft – stolen items
- Damage caused to the building by a thief
- Insurance for jewelry in a safe
- Earthquake – volcanic eruption
What do I do when there is damage? There are two main actions in this case:
1. Contain: In case of damage, contain its impact. For example, if a space has flooded because of a broken pipe, contain the problem by cutting the water and power supply.
2. Notify: Notify MINETTA Insurance about the damage, as well as the competent Public Service, depending on the problem (i.e. the Police in case of theft/robbery and the Fire Department in case of fire).
What do we have here? An App!
Let’s face it; your home is where you spend most of your day. This is where you come back to tired from work to rest, where you have your friends over for dinner, where you sit in your couch to relax, check the social media, watch TV, listen to music or play video games. This is a place of both economic (and certainly particularly significant) and sentimental (and priceless) value. A place you would do anything to protect. So what should you do? Well, what I did. I protected my home with the right home insurance. I also downloaded the MINETTA App for free and gained access to a number of useful services, including direct connection to MyMinetta, which allowed me to access my insurance policies easily at any time. I am also able to send photos or videos from my smartphone or tablet for pre-insurance check in case I choose to insure my vehicle as well, thus speeding up the procedures for signing an insurance policy, and I can pay my premiums at pay.minetta.gr and in interest-free installments. All this quickly, easily, efficiently from the comfort of my new apartment which showcases the new interior design trend: the ’80s! Check for yourself, what have you got to lose?