The house is the most valuable good that most of the people own. Still, the care most of the people show for this good is lacking.
The mandatory home insurance comes to facilitate this process of protection for our houses through covering the minimal compensations in case of some natural disasters: flooding, landslides and earthquakes. The annual fees for this type of insurance is among 10 to 20 euro per year and would cover approximately 20.000 Euro compensations. But this insurance would cover just minimal risks, leaving beside frequent risks in urban areas, such as fire or theft.
An optional home insurance would cover much more risks and would offer the opportunity of insuring also the home annexes and the goods inside the house.