Tips on Choosing Home Insurance
Most people would assume that the house is an asset and a very big achievement in their lives, this is certainly very reasonable, considering the house is obtained with a very long process and hard work over a long period of time.
By looking at the above facts, it is only logical you will always want all the care and the best protection for your home. This will prevent you from experiencing a number of losses that could come at any time befall the house, because basically none of you can predict when disaster will come. For that, you need protection from the beginning, namely by using a home insurance.
Although regarded not as famous as life insurance and health insurance, home insurance has also been well known and widely used by people. This is because of the high public awareness of the risks of loss and also natural disasters that can occur at any time.
Home insurance is insurance that provides protection against losses due to fire, theft, or damage caused by natural disasters.
By having home insurance, then any form of losses arising from the things mentioned above, will be borne by the insurance company. That way, you can relax and feel comfortable because the assets you have maximum protection that will prevent you from worry and even the fear of such things.
Imagine what would happen if at any time the fire disaster was come upon your home and spend the entire building as well as the assets in it as well? This event will certainly be very scary, is not it? Considering the house is an asset of high value and historical value for you and your family, emotionally you will be very upset by the incident. Then how to repair?
If you do not have insurance, so any losses arising as a result of the incident will be your own responsibility. Easy if you have sufficient funds, but what if you do not have the funds for it? Then surely you and your family will be dropped and experiencing financial difficulties, disruptions in dealing with jobs that bring a steady income every month, it's hard to get back into position or initial conditions.
Never underestimate the problem of home insurance, protection is very large and has a very important benefit for you and your family. Not only major damage, but a variety of other small improvements as a result of natural disasters will also be covered by it.
When you talk about protection, then naturally you will always want a best protection you can get. This of course you do in order to minimize the risk of loss that may arise at any time in the future. Based on the services provided, home insurance can be divided into two types, namely:
1. Property All Risk / Industrial All Risk
This is a type of insurance that is unnamed fire perils, namely providing security against risks that occur throughout the property and or interest insured, unless the risks listed in the exemption, namely: war, terrorism, nuclear and radioactive; delay, loss of market share or business interruption; deliberate, employee dishonesty: mechanical damage and boiler; wear, corrosion, the nature of the goods themselves; pollution or contamination.
Guarantees provided by the service Insurance Property All Risks (PAR), includes:
Guarantees for the riot, strike, malicious acts and riots.
Guarantees for hurricanes, storms, floods and water damage.
Guarantees for earthquakes, volcanic eruptions and tsunamis.
Guarantees for landslides and earth movement.
Basically, insurance Property All Risk (PAR) only applies to non-industrial buildings, such as offices, homes, hospitals, schools and other properties of various buildings. As for the building industry, such as factories, warehouses, malls and shops, will be used insurance types Industrial All Risk (IAR)
2. Standard Fire Insurance Policy
This is a standard insurance policy issued by the General Insurance Association of Indonesia (AAUI) as a form of fire insurance services. The benefits of property insurance is to provide protection to the property and or interest insured directly caused by: fire, lightning, explosion, fall of aircraft (aircraft), and smoke (smoke).
However, in addition to the main benefits listed in the IAS, fire insurance can be extended to cover over other unsecured risks in IAS, among others:
Riot, strike, malicious damage inflicted.
Floods, hurricanes, storms and water damage.
Business interuption (lost profits)
Today there are many insurance companies that provide insurance services, so you'll have plenty of choice. However, given the importance of the protection that you would get from a home insurance services, it is only logical you consider this very mature. Here are tips on choosing a home insurance that you can make the following considerations:
Tips on Choosing Home Insurance
1. Select the Best Insurance Company
The main thing you must consider is choosing the best insurance company, it can do by finding a variety of sufficient information from the Internet or directly by visiting the insurance company that is in your standards.
Find an insurance company that has credibility and a good reputation, it will be a service guarantee that you will get from them. Use only reliable insurance company and can meet your needs for a qualified insurance services.
2. Use the Right Policy
Make sure you know all too well, the entire contents insurance policy that you want to buy and use. This will prevent you from the risk of loss as well as a variety of problems that occur as a result of misinterpretation of the policy from the beginning. If you find that you are having trouble to learn the contents of the policy, then you'll want to consult an expert or an insurance broker.
3. Select the Adequate Coverage
In buying an insurance policy, make sure the amount of the premium you pay has met with adequate protection coverage, so you can avoid the risk of getting the insurance is low. Calculate and consider carefully each of the components of coverage you'll get, so you can get the maximum benefit on the purchase of insurance that you use.
As a high-value assets, it is only logical your home is equipped with insurance protection. Do reluctantly paying a premium in the home insurance you buy, it will be directly proportional to the protective benefits you will get.