Constant evolutions
The value of your belongings changes over time. That comfortable sofa you've had for years, the latest high-tech television, or the collection of artworks you recently acquired - all these elements contribute to the wealth of your home. Yet, how many of us think to adjust the insured sum based on these changes?
Underinsurance: an underestimated risk
Imagine for a moment that an unforeseen disaster occurs - a fire, a flood, or even theft. The last thing you want to discover at that moment is that the insured sum for your furniture does not cover its current value. Underinsurance can lead to significant financial losses and unnecessary hassles.
Some practical advice
- Precise inventory: Take the time to compile a detailed inventory of your belongings, including recent acquisitions. It is advisable to review your insured furniture sum every 2 to 3 years.
- Life changes: Significant events, such as the arrival of a new family member or moving in with your partner, often warrant a review of your coverage.
- Expert consultation: Your LALUX agent is there to guide you throughout the process. Feel free to contact them!