The basic contract of home insurance contains the guarantees mentioned above, because these risks and claims concern everyone, it is therefore necessary to be protected from these risks. But depending on the individual case, it may make sense to take out additional and optional guarantees. For example, if you hold valuable movable property, there is an optional guarantee, the same goes for approved childminders who can benefit from guarantees specific to their profession and their activity. If you are housing an elderly or disabled person, an option is also possible, and each particular case can be the subject of an associated and adapted guarantee. So take stock with your insurer to be sure that you benefit from the best possible coverage, given your priorities, your habits, your lifestyle and the property you own.