Steps

The insurer

1. Already have an idea of what you want and your budget (without telling them) and especially check everything at home on the internet (or by asking family, friends, etc.), take the time to think, etc
2. /!\ Do not believe them automatically, because as nice as they are, their work remains to sell quickly and a lot!

The contract

1. It's only the competition that matters, because customer loyalty only relates to them and not to you
2. Insurance brokers have access to new and often interesting offers, but beware they remain insurers and will line up just below the price you already have, or not communicating to them at the start
3. /!\ Your contract is to be reviewed every year, and if they do not want to align, then you change (and will have new customer bonuses)!
4. > My advice is to call on one (or more) insurance cutters to get free quotes

Guarantees and prices

1. /!\ Always recommend fixed and not too high deductibles, without having exorbitant monthly payments!
2. Damage guarantees
3. Fire and similar events Climate events - Freezing
4. Natural disasters
5. Technological disasters
6. Terrorist attacks and acts
7. Water damage
8. Theft vandalism: Property damage
9. Theft vandalism: Damage to property
10. Broken glass
11. Damage to electrical devices
12. Liability guarantees
13. Occupant civil liability
14. Civil Liability Private Life
15. The other guarantees
16. Stay - Travel
17. Criminal Defense and Recourse Following an Accident Assistance
18. Assistance
19. Home legal protection
20. Comfort assistance
21. > Recommended value: 149.17 € (limited to 44.75 € on the Glass breakage guarantee)