RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
The answers you are looking for about home. Choose an editorial series and explore one question at a time.
21 articles
Conversations at home
Legal warranty expiry, age since purchase new and the cover’s waiting period are separate checks. Examine a home insurance wording for internal breakdowns.
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First-risk cover can remove the proportional reduction for that benefit while retaining its agreed limit and excess. Learn what to identify in a home insurance quotation.
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Temporary removal cover may require you to live at the destination and exclude simple storage. Examine the mechanism in one specific policy wording.
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The CIRS mentions rent insurance; that does not make every home policy deductible. Distinguish the expense and supporting documents to check under category F.
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After an insurance payout, an agreement with a third party may prejudice the insurer's rights. Understand subrogation, uninsured losses and what to clarify before signing.
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For insurance of a collection of items, the name in the policy does not settle ownership of every item. Understand the shared-household rule, its qualifications and the evidence needed.
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Separate home assistance from temporary loss of use: benefit order, permanent residence, additional expenses and supporting records.
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Separate your correspondence address from the insured location. Prepare the buildings, contents, move and dates before reviewing cover for your new home.
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Some policy terms expressly address this situation with specific requirements. Distinguish the interruption, damage cause and evidence of the supply cut before assuming cover.
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Repairing damage and reinstating the sum insured are different matters. Explore an example of post-claim reduction and questions about the available amount.
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A public supply cut, an appliance fault and an interruption caused by another insured event are different situations. Read an eight-hour condition without making it universal.
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An absence may affect theft terms for particular categories of property. Read a contract example and the questions to ask about jewellery, occupancy and safekeeping.
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A fixed item should not be classified by appearance alone. Learn how to describe tenant improvements and confirm their identification and value in the policy.
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A lack of forced-entry damage does not settle the cover question. Check the circumstances, false-key definition and exclusions in your home insurance policy.
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Call-out, diagnosis, parts and labour may be treated differently. Learn how to read a technician-dispatch benefit in Portuguese home insurance.
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Arranging a moving van does not establish cover for belongings in transit. Clarify the service, property and route.
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Distinguish an assistance request from reporting damage and clarify the procedure, costs and records without assuming compensation.
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Prepare an accurate account of occupancy and changes in use without assuming universal vacancy periods or insurance cover.
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Create a private home contents inventory, match belongings to supporting records and prepare useful questions about your home insurance.
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A renovation can involve both building elements and household belongings. Separate the figures before reviewing your home insurance sums insured.
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Organise an equipment list and questions for a home insurance proposal without assuming its name answers every detail.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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