{"id":1884,"date":"2026-06-26T15:19:40","date_gmt":"2026-06-26T15:19:40","guid":{"rendered":"https:\/\/www.univesta.com\/insurance\/personal\/habitation\/"},"modified":"2026-07-10T20:36:06","modified_gmt":"2026-07-10T20:36:06","slug":"home","status":"publish","type":"insurance","link":"https:\/\/www.univesta.com\/en\/insurance\/personal\/home\/","title":{"rendered":"Home insurance"},"content":{"rendered":"\n
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Coverage<\/span> overview<\/h2>\n
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Home insurance is peace of mind \u2014 knowing your home is protected, with coverage shaped to your property and your circumstances.<\/p>\n<\/div> <\/div>\n <\/div>\n

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Building and structure<\/h3>\n \n
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Covers damage to your home from fire, lightning, wind, hail and other events your policy includes.<\/p>\n<\/div>\n <\/div>\n

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Personal belongings <\/h3>\n \n
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Protects your belongings, furniture, clothing and electronics against theft, fire or other covered damage.<\/p>\n<\/div>\n <\/div>\n

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Civil liability<\/h3>\n \n
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Protects you if an accident at your home leaves you liable for injury or damage to others.<\/p>\n<\/div>\n <\/div>\n

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Additional coverage <\/h3>\n \n
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Living expenses, sewer backup, identity theft \u2014 options for full coverage, no blind spots.<\/p>\n<\/div>\n <\/div>\n \n <\/div>\n <\/div>\n <\/section>\n\n\n\n\n

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Why<\/span> work with a broker<\/em><\/h2>\n
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Part of a team, an independent broker works for you, not an insurer. They compare your options, give you straight, honest advice, support you at claims time, and stand up for your interests at every turn \u2014 so you never feel like you’re going it alone.<\/p>\n<\/div> <\/div>\n <\/div>\n

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Access to multiple insurers<\/h3>\n
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Your broker shops a range of insurers on your behalf and brings back the best options \u2014 coverage that genuinely fits, at the most competitive price out there.<\/p>\n<\/div><\/div>\n

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Advice built around you<\/h3>\n
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No one-size-fits-all here. Your broker gets to know your situation, your assets and your real needs, then recommends the right amount of coverage \u2014 not too much, not too little.<\/p>\n<\/div><\/div>\n

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An ally at claims time<\/h3>\n
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When something happens, your broker is right there in your corner \u2014 guiding you through the claim, speaking up for you with the insurer, and making sure you get everything you\u2019re owed.<\/p>\n<\/div><\/div> <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n\n\n\n\n

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FAQ<\/h2>\n
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Questions about your home insurance? You\u2019re not alone. Here are clear answers to the ones we hear most.<\/p>\n<\/div> <\/div>\n <\/div>\n

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