especially property insurance

Pitfalls of property insurance
Insurance apartments and houses, as well as the property located within, is becoming increasingly popular service. Contributes to this and widespread mortgage loans and convincing arguments about the need for mandatory insurance property, who give voice to the authorities.
What pitfalls can expect the owners of apartments with no experience in the insurance, but have a desire to protect their property from possible risks?

Conclusion of the contract of insurance without prior inspection of the premises
At first glance, property insurance without inspection of the apartment or house agent of the insurance company seems to be very comfortable. Many believe this scheme simple and clear: the negotiations with the agent in the office or even on the phone, pay the insurance premium received policy. But for homeowners, it is disadvantageous because it is paying double. After all, any standard contract is estimated by definition more expensive than an individual. Insurers can understand: in this case the risk of fraud on the part of owners is increasing. Therefore they try to lay all the possible problems in the price of the insurance package that they sell.
"Bottleneck" covering standard package - another problem property insurance without inspection. Contracts include insurance cases with minimal risk. And of course, the amount of payments under a standard contract when the insured event will be lower than on the individual.
Insufficiently detailed description
If you decide to insure your property, you will need to provide a detailed description of all the items that you include in the insurance contract. For example, it should not be just a "TV" and «LED-panel SMART such a model of such a producer." If you do not, you when the insured event will pay you money for the cheapest TV, not the expensive LED-panel.
No protection of property
The rule is: the better protected your living space, the better discount offer can offer insurance company. If there is no security system apartment or house insurance premiums will be much lower.
The lack of supporting documents
We are talking about the evidence on which the amount spent on the purchase of the apartment, renovation and purchase of furniture and household appliances. You must have all the documents, checks, contracts with builders. If an insured event occurs, you say thank you for the confidence and we caution.
Keep in mind that the total sum insured is paid only in case of a global disaster, such as the destruction of or damage to the house fire. But such disasters occur, not every day, and thank God. People tend to insure your home against theft of valuable things leak. In this case, the extent of the damage is estimated by experts of the insurance company, and you will be mentally prepared for the fact that the compensation that you will be able to receive, will not exceed 20% of the amount stated in the contract.