When you sign your home insurance policy, you do not necessarily think about the dependencies associated with your home. Yet, a garage, a garden shed or a workshop can be affected by a disaster. How to ensure the dependencies of a house? What criteria are taken into account? The full point on the subject.
What is a dependency on home insurance?
The Insurance Code does not clearly define the notion of dependency of a dwelling, also called the annex. Indeed, no text specifies the contours of the term of dependency (in terms of housing), but the insurers have established consensual rules so that all parties know their right.
For a structure to be considered as a dependency it must be separated from the housing part. The annex must not have direct access to the living rooms. Clearly, if a door inside your dwelling gives direct access to your workshop, the latter is not considered an addiction but as an extension of your dwelling.
Other criteria may also clarify the notion of dependence. Some insurance companies only consider outbuildings if they have neither residential nor professional use. If another room of life is arranged in another building, it can not be considered dependency.
Note that gardens, swimming pools, outdoor courts or pergolas are defined as outdoor facilities. These installations are the subject of extensions of specific and optional guarantees. According to the insurers, the terraces are considered either as external installations or as annexes.
More or less broad guarantees
In order for the dependencies to benefit from the guarantees associated with the contract, they must be located within a maximum radius of 10 kilometers around the house. If you own a large estate, a fairly distant shed can be covered, as can a garage.
Insurance contracts for dependencies include guarantees for so-called classical risks: fires, water damage, natural disasters and storms. It is possible to include in the contract a civil liability guarantee which may be essential in the event of damage caused to third parties.
As far as the guarantee against theft is concerned, insurers in most cases require security at the openings for the appendices. In order to benefit from theft protection, the doors must, for example, be equipped with robust locks. In addition to these security measures, the guarantee against theft is often accompanied by a large deductible and a maximum amount of compensation given the high risk for the dependencies, which makes the warranty worthwhile.
How to choose your home insurance for its dependencies?
To benefit from the guarantees for the dependencies, it is advisable to take out a multi-risk home insurance (HRM). A large part of these home insurance policies contain guarantees for the annexes. If your contract does not include these guarantees, it is possible to subscribe an extension of guarantees for the dependencies.
It is important to know that only dependencies declared with insurers are covered by the guarantees of the home insurance contract. The insurer must have a specific declaration for each schedule. An undeclared dependency can not be covered by the insurer. Any new construction must be reported to the insurer who will adjust the insurance premium based on the items provided.
By comparing home insurance, you can find the contract that meets your expectations for your outbuildings. Please note that the home insurance contracts can be canceled at any time after one year of commitment thanks to the Hamon law. If your insurer does not allow you to cover your dependencies, a home insurance comparator will offer you quotes that meet your needs in less than 2 minutes.
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