{"id":37036,"date":"2020-12-02T16:59:46","date_gmt":"2020-12-02T14:59:46","guid":{"rendered":"https:\/\/finanso.se\/?p=37036"},"modified":"2022-04-21T12:02:19","modified_gmt":"2022-04-21T10:02:19","slug":"prisvard-och-palitlig-hemforsakring","status":"publish","type":"post","link":"https:\/\/finanso.se\/prisvard-och-palitlig-hemforsakring\/","title":{"rendered":"Prisv\u00e4rd och p\u00e5litlig hemf\u00f6rs\u00e4kring"},"content":{"rendered":"<section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-undefined section-inner-wrap uagb-block-55a84999\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\"><section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__gap-10 alignundefined uagb-block-27671e98 uagb-columns__valign-top\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\"><div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-27671e98\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\"><p>Reklam:<\/p><p><strong>Alla beh\u00f6ver en hemf\u00f6rs\u00e4kring och det spelar ingen roll om du bor i villa, l\u00e4genhet, hyres- eller bostadsr\u00e4tt. Hemf\u00f6rs\u00e4kringar kan ge ers\u00e4ttning f\u00f6r dina saker om de har skadats genom brand och vatten eller om de blir stulna. Alla hemf\u00f6rs\u00e4kringar inneh\u00e5ller dessutom reseskydd, r\u00e4ttsskydd, \u00f6verfallsskydd och ansvarsskydd.<\/strong><\/p><div style=\"height: 25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div><\/div><\/div><\/div><\/section><\/div><\/section><section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-undefined section-inner-wrap uagb-block-14d5585\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\"><section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__gap-10 alignundefined uagb-block-0f6f203 uagb-columns__valign-top\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\"><div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-0f6f203\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\"><h2 class=\"wp-block-heading\">Vad \u00e4r en hemf\u00f6rs\u00e4krig?<\/h2><p>Hemf\u00f6rs\u00e4kringar ser ofta ganska lika ut, men vilken typ av f\u00f6rs\u00e4kring du beh\u00f6ver beror p\u00e5 din boendesituation. Bor du i en hyresr\u00e4tt beh\u00f6ver du bara ha en vanlig hemf\u00f6rs\u00e4kring, men om du bor i bostadsr\u00e4tt eller villa m\u00e5ste du \u00e4ven ha en specifik f\u00f6rs\u00e4kring f\u00f6r bostaden.<\/p><p>Enligt Konsumenterna <a href=\"https:\/\/www.konsumenternas.se\/forsakring\/boende\/om-hemforsakringar\">inneh\u00e5ller alla hemf\u00f6rs\u00e4kringar<\/a> f\u00f6ljande:<\/p><ul>\n<li>Egendomsskydd. L\u00f6s\u00f6re ers\u00e4tts vid exempelvis brand, vattenskador eller vid st\u00f6ld.<\/li>\n<li>Ansvarsskydd kallas \u00e4ven f\u00f6r skadest\u00e5ndsskydd och betalar skadest\u00e5nd som du kr\u00e4vs p\u00e5.<\/li>\n<li>R\u00e4ttsskydd  kan ers\u00e4tta kostnaderna f\u00f6r ett juridiskt ombud vid en tvist.<\/li>\n<li>\u00d6verfallsskydd som kan ge ers\u00e4ttning om du blir \u00f6verfallen, misshandlad, etc.<\/li>\n<li>Reseskydd som g\u00e4ller i 45 dagar eller upp till 60 dagar.<\/li>\n<\/ul><p>Hos m\u00e5nga f\u00f6rs\u00e4kringsbolag \u00e4r ovanst\u00e5ende utbud standardutbudet, men det finns h\u00f6gre niv\u00e5er som man kan v\u00e4lja till f\u00f6r att f\u00e5 en mer fullgod f\u00f6rs\u00e4kring. Du har d\u00e4rf\u00f6r goda m\u00f6jligheter att sj\u00e4lv v\u00e4lja f\u00f6rs\u00e4kringsniv\u00e5 och hur h\u00f6g premie du \u00e4r villig att betala.<\/p><div style=\"height: 25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div><\/div><\/div><\/div><\/section><\/div><\/section><section class=\"wp-block-uagb-section uagb-section__wrap uagb-section__background-undefined section-inner-wrap uagb-block-2ac5e06\"><div class=\"uagb-section__overlay\"><\/div><div class=\"uagb-section__inner-wrap\"><section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__gap-10 alignundefined uagb-block-9343635 uagb-columns__valign-top\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-1\"><div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-9343635\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\"><h2 class=\"wp-block-heading\">Olika typer av hemf\u00f6rs\u00e4kringar<\/h2><p>Som ett exempel kan vi se p\u00e5 Nordens tredje st\u00f6rsta f\u00f6rs\u00e4kringsbolag <a href=\"https:\/\/www.gjensidige.se\/\">Gjensidige.se<\/a> som har tre olika hemf\u00f6rs\u00e4kringar: Bas, Lagom och Plus. Basf\u00f6rs\u00e4kringen t\u00e4cker alla delar som n\u00e4mns i punktlistan ovan. F\u00f6rs\u00e4kringen Lagom t\u00e4cker ocks\u00e5 samma delar, men inneh\u00e5ller f\u00f6ljande till\u00e4gg som kan komma till nytta f\u00f6r vissa hush\u00e5ll:<\/p><ul>\n<li><strong>Allrisk l\u00f6segendom:<\/strong> g\u00f6r att f\u00f6rs\u00e4kringen g\u00e4ller f\u00f6r skada p\u00e5 saker och v\u00e4rdehandlingar genom of\u00f6rutsedda h\u00e4ndelse som n\u00e4r du tappar n\u00e5got i golvet.<\/li>\n<li><strong>Mobbning:<\/strong> inneb\u00e4r att skolbarn i hemmet kan f\u00e5 krishj\u00e4lp vid kr\u00e4nkande behandling.<\/li>\n<li><strong>Identitetsskydd:<\/strong> ger tillg\u00e5ng till r\u00e5dgivare som ger information om hur man f\u00f6rebygga, uppt\u00e4cka och begr\u00e4nsa identitetsst\u00f6ld.<\/li>\n<\/ul><p>Den tredje f\u00f6rs\u00e4kringen Plus inneh\u00e5ller f\u00f6ljande delar ut\u00f6ver de som redan har beskrivits:<\/p><ul>\n<li><strong>Gl\u00f6m mig:<\/strong> hj\u00e4lp med att avl\u00e4gsna o\u00f6nskat, kr\u00e4nkande inneh\u00e5ll som har lagts ut p\u00e5 internet utan samtycke.<\/li>\n<li><strong>Underf\u00f6rs\u00e4kringsskydd l\u00f6segendom:<\/strong> anv\u00e4nds vid inf\u00f6rskaffning av egendom som g\u00f6r att v\u00e4rdet av den sammanlagda egendomen i bostaden \u00f6verstiger f\u00f6rs\u00e4kringsbeloppet.<br \/><strong>Elektronikskydd och sj\u00e4lvriskreducering: <\/strong>Vid ers\u00e4ttning av egendomsskyddet g\u00f6rs inget \u00e5ldersavdrag p\u00e5 de f\u00f6rsta tv\u00e5 \u00e5ren p\u00e5 elektroniska enheter.<\/li>\n<li><strong>Ut\u00f6kat reseskydd: <\/strong>60 dagars reseskydd inklusive avbest\u00e4llningsskydd, ers\u00e4ttning vid f\u00f6rsening av person eller bagage samt vid inst\u00e4lld p\u00e5g\u00e5ende resa.<\/li>\n<\/ul><p>F\u00f6r de allra flesta r\u00e4cker basutbudet, men det \u00e4r alltid en bra id\u00e9 att f\u00f6rs\u00f6ka f\u00e5 s\u00e5 mycket som m\u00f6jligt <a href=\"https:\/\/kampanj.expressen.se\/insplanet\/det-kan-bli-valdigt-dyrt-att-sta-utan-hemforsakring\/\">t\u00e4ckt av hemf\u00f6rs\u00e4kringen<\/a>. Ist\u00e4llet f\u00f6r att teckna separata f\u00f6rs\u00e4kringar f\u00f6r l\u00f6s\u00f6re, elektronik och resor kan allt g\u00e5 under en och samma premieavgift om du v\u00e4ljer en bra hemf\u00f6rs\u00e4kring. Utg\u00e5 alltid ifr\u00e5n vad dina behov \u00e4r just nu, men kom ih\u00e5g att uppdatera din f\u00f6rs\u00e4kring n\u00e4r din livssituation f\u00f6r\u00e4ndras genom flytt, nya familjemedlemmar eller andra viktiga saker.<\/p><div style=\"height: 30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div><\/div><\/div><\/div><\/section><\/div><\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":31,"featured_media":37037,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","_lmt_disableupdate":"","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[34],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin 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