During the holidays and holiday season, many homes are closed for days or weeks while residents travel. This interval, although it generally represents rest and leisure, can also increase the vulnerability of properties to unforeseen events such as theft, fire and domestic gas explosions, for example. These situations, without protection, can result in structural damage, property destruction and high repair costs.
In this context, home insurance appears to be an instrument of protection. Basic insurance provides protection against damage caused by fire, lightning and gas explosions, as well as their consequences, such as collapse, inability to occupy, firefighting costs and clearance of property. The contract may also include additional assistance such as structural repairs, civil liability, asset replacement or reconstruction costs, providing comprehensive support to the insured.
“Insurance is a good investment for the family; thanks to it, the entrepreneur will be prepared for any failure,” says the technical director of the insurance brokerage company Bancorbrás, Alessandra Monteiro. She also emphasizes that protection represents security, comfort and tranquility for families.
Additionally, purchasing home insurance can be a financially prudent decision, preventing major losses and providing support in times of crisis. “This is the best way to reduce or even avoid financial loss caused by an accident,” adds Alessandra Monteiro.
Security beyond insurance
In addition to home insurance protection, people should also know other precautions and tips that provide extra security at home, such as: checking locks, turning off water and gas, turning off electronic devices, and installing security systems with surveillance cameras, electric fences, and alarms. In addition, it is worth giving the keys to the residence to a trusted person, so that they can make periodic visits to check that everything is okay. “These are small details, but they make the difference on a daily basis,” concludes the director.
Market data reinforces this trend: according to data from the latest inventory published by the National Confederation of Insurers (CNSeg), in November, home insurance recorded growth of 8.1% between the months of January and August 2025, compared to the same period of the previous year. This value corresponds to 4.3 billion reais in revenue. This increase reflects the growing adoption of insurance by Brazilians, given property appreciation and a greater perception of risk.
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