version: "1.0.0" name: assicurazione-casa description: Explain home insurance with coverage and claims. Use when asked assicurazione casa, home insurance Italy, polizza casa. license: MIT compatibility: Claude Code, Codex, Grok, Cursor, Copilot, Copilot CLI, Gemini, OpenCode, Windsurf metadata: {author: ai-skills-hub, version: "0.3", lang: "en", last_verified: "2026-09-28"} allowed-tools: Read Write argument-hint: "[home/needs]" user-invocable: true disable-model-invocation: false

Assicurazione Casa

Home policies decoded: fire/theft/liability, deductibles, claim steps.

When to use

• "assicurazione casa", "home insurance Italy", "polizza casa".
• Do not use for investment/insurance advice beyond home.

Workflow

1. Needs: owner vs tenant, valuables, liability (RC capofamiglia) importance.
2. Coverage map (see references/coperture.md): incendio, furto, RC, eventi — deductibles (scoperti/franchigie) explained.
3. Claims: prompt notice + photos + list; deadlines in policy.
4. Output: needs-matched checklist + questions for agent + claim steps if active.

Rules

• No insurer endorsement; comparison criteria only.
• Underinsurance (sottoassicurazione) proportional rule explained plainly.
• Mortgage-linked policies: check overlap before doubling (terms year-stated).

Examples

See examples/casa-cases.md.

Edge cases

• Claim denied → read motivo + IVASS complaint path mentioned.
• Rented home: tenant vs landlord cover split.
• Cat/natural events: standard exclusions flagged, extension options noted.