Two home insurance premiums are easy to compare – the content behind them is far harder. Yet at claim time it's the content that holds up, not the premium. So every round of competing offers ends the same way here: a clear table where the significant lines of each offer sit side by side – premium included, but never premium alone.
- The table's rows: amounts, events covered, limits, deductibles, exclusions, optional covers, home assistance – and premium.
- Premium is an important row in the table, but only one of them – the decision comes from the rows together.
- Every offer comes with a note on its strengths and weaknesses – and the decision is yours.
Why a table – and not just a premium list?
Because the same word can mean something different from one offer to the next: the covered route of a "water damage" claim, the definition of "storm", a valuables limit or a deductible level can quietly differ beneath the premium line. The online calculator (in Hungarian) is an excellent first filter – the table is the second step, where we look behind the numbers. That way the difference surfaces before you decide, not at claim time. The table also means you never have to decide from memory: every claim in it can be checked, and you can question it line by line.
The table's rows – what do we put side by side?
The amounts: building and contents, and what they were built from. The range of insured events: what counts as a storm, water damage, or a burglary – by definition, not by everyday usage (see how to read the policy terms). The limits and deductibles: valuables ceilings, per-type limits, the deductible per event. The exclusions: what's left out, and what needs separate terms. The optional covers and home assistance: what's included by default, what's chosen separately. And finally the premium – now read together with the content. For home assistance, it isn't the length of the list that counts, but what the service actually commits to at the organising level and at the cost level – this row springs a surprise in many a table.
The premium: an important row, but not the whole table
A premium difference always has a reason: a lower amount, a higher deductible, a narrower range of events, a missing optional cover – or a genuine discount. That's exactly what the table makes visible: what made the cheaper one cheaper. If the content is identical and the premium is lower, that's a good buy; if the premium is lower because the protection is smaller too, that isn't a saving, it's risk you've taken back onto yourself – that's what the price vs substance article is about. Discounts get particular attention too: conditions tied to the payment method or the term still matter later, at any amendment.
Strengths, weaknesses – and your decision
I attach short, plain-language notes to the table: where each offer is strong, where its weak points lie, what's worth asking about. What doesn't belong in it, though, is pressure or urgency. The table stays with you, and you get as much time to decide as you need. My role here is the same as everywhere: I assess the need and inform you about the options – the decision always rests with the client. Before signing, it's worth running through the five check questions – and if a question remains, let's talk it through in 20 minutes. You only need to give your details once for this – running the competing offers and building the table from there is my job.
A question about your own home? Run the numbers in minutes with the online calculator (in Hungarian), or book a free 20-minute consultation →
