Wooden houses have become popular in recent years, thanks to their many ecological advantages and their unique aesthetic. But when it comes to insuring this type of housing, it can be difficult to find the best home insurance adapted to the specificities of wooden constructions. In this article, we give you some advice for choosing your home insurance for a wooden frame house.
Understanding the particularities of wooden houses
Before taking out home insurance, it is essential to know the specifics related to your wooden house. Indeed, these accommodations have characteristics that can influence the choice of your insurance contract:
- Fire resistance: Contrary to popular belief, wooden houses are generally well protected against fires thanks to specific treatments and the use of fire-retardant materials. However, this protection is not infallible and a risk of fire remains.
- Sensitivity to bad weather: wooden constructions are sometimes more vulnerable to damage caused by storms, floods or even water infiltration.
- The interview: Wooden houses require regular maintenance to preserve their appearance and solidity. This service may involve additional costs in terms of maintenance and repairs.
What guarantees should be preferred for a wooden house?
To choose your home insurance carefully, it is important to take these particularities into account and opt for the appropriate guarantees:
The fire guarantee
As mentioned previously, the risk of fire in a wooden house should not be neglected. It is therefore essential to subscribe to a fire guarantee which will cover damage caused by fire, whether accidental or deliberate. This warranty generally covers the cost of repairing or rebuilding the home, as well as compensation for damaged or destroyed items.
Water damage guarantee
As wooden houses are more prone to water infiltration and humidity problems, it is advisable to take out water damage coverage. It covers damage linked to a leak, infiltration or even a burst pipe and will allow you to be compensated for the necessary repair work.
Storm, hail and snow guarantee
Due to their lightweight structure, wooden frame houses can be more affected by bad weather. A storm, hail and snow guarantee protects you against damage caused by these climatic events and will allow you to be compensated for the repair of the damage suffered.
Civil liability guarantee
Finally, it is recommended to take out civil liability coverage which will cover damage caused to others by your wooden house (for example, in the event of a falling tree or water infiltration at a neighbor’s property).
Compare home insurance offers for wooden houses
In order to find the home insurance best suited to your wooden frame house, do not hesitate to compare the different offers offered by insurers. To do this, take into account:
- Guarantees included: check that the guarantees mentioned above are present in the insurance contract.
- The amount of deductibles: This is the amount remaining payable by you in the event of a claim. Choose a deductible amount adapted to your budget and the risks incurred by your wooden house.
- The compensation ceiling: choose an insurance contract that offers a sufficiently high compensation limit to cover the costs associated with repair or reconstruction work in the event of a disaster.
- Exclusions: examine any exclusions in the insurance contract to ensure that they do not relate to risks specific to your wooden house.
By taking the time to compare home insurance offers and favoring guarantees adapted to wooden houses, you will be able to effectively protect your home against the hazards of life and benefit from well-deserved peace of mind. . It is advisable to contact a professional expert who can offer you the best offers on the market and help you make the best decision to insure your property.
