For most people, home is the most important asset in living life. Not only the price of the building is expensive, but also the land and various furniture in it.
Nevertheless, ironically, there are still many people who don't really care about their home insurance. In fact, the danger that threatens the house and valuable assets in it can occur at any time and can not be expected. Can you guarantee your home lasts forever? There are unexpected events that can occur for example, fires, flooding, theft, to the crash of an airplane.
For this reason, you need to consider having insurance. You should not just fixate on insurance when the house is being credited only. However, you also need to continue insurance after paying off your home. This is what often escapes people's concern for their own assets. This is because knowledge about home insurance has not been popular in the community. There are still many people who think that home insurance is a waste. In addition, there is also the assumption that insurance companies only target premiums and ultimately will not cover if anything happens.
Insuring a home means transferring all risks and financial burdens to the insurance company. Of course, losing a home is tantamount to losing the most valuable asset if no one bears the cost of repairing it. For that, register your home to be insured. However, before, you need to learn what is covered by the insurance company and what steps you need to take to get started.
What does home insurance cover?
Home insurance protects you by providing compensation to you, as a homeowner. As for the compensation in the form of, total repair and rebuilding, in case of problems with your home. For basic home insurance adjusted to the Indonesian Fire Insurance Standard Policy covers all common risks, such as fire, lightning, explosion, smoke, and aircraft fall. Of course, you can extend the policy or add underwriting according to your considerations and concerns. You can add damage to your home from riots or riots, landslides, floods, or thefts.
However, insurance companies usually do not protect everything. There are some exceptions to damage to a home that is not guaranteed, such as war or intentional damage by the property owner. In addition, judging from the form of the building, usually the insurance company also does not accept buildings in the form of wood or traditional houses to be insured. What's there to do?
Research and Learn the Ins and Outs of Your Home
First of all, do some research and learn the ins and outs of your home. It has to do with the amount of insurance you need. It's not funny if your home is in the highlands, but you're registering insurance for benjir. That's why you need to learn and find out. You need to know how much accountability you want in detail.
Find Out How Much Your Home's Valuation Is Worth in the Market
Then, you need to know what the valuation of your home is worth on the market. For example, in the event of a disaster and your home needs to be rebuilt, you need to know how much it will cost to complete it. Not only the building, but you also need to take into account the furniture in the house. To help you, use the services of a home contractor. He will evaluate and perform calculations.
Take advantage of your insurance policy. Usually, insurance policies provide great discounts if you buy several policies at once. In addition, you can also get discounts by increasing the number of your own dependents (deductibles). So you pay expenses after which the insurance company will take care of the rest.
Credibility of the Insurance Company You Choose
For the insurance company itself, you need to find out if the company is credible and able to cover all the costs available. Usually, a large and well-known company you can trust. To be able to convince yourself, ask for references from relatives or relatives.
Learn With Written Agreement Details
When you get a written agreement, please read carefully and learn in detail. Any form of damage done to your home is in your hands. If you fail to master the contents of the written agreement, your claim may not be granted later.
Protect Early on for Your Home
Remember how important a place to live is to everyone. It is fitting that you do protection early on in your home, through Home Insurance. Because what can be done home insurance not only provides physical protection, but also non-physical or financial. Lastly do and choose wisely Insurance for your home
0 comments:
Post a Comment