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| Home Insurance |
When you want to buy a house, it's best if you don't ignore home insurance. Because this is very useful as protection, if the property that is owned is damaged due to things that we don't want.
Home insurance provides protection against the risk of loss due to fire, lightning strike, plane crash, and natural disasters. The protection provided is certainly based on an agreement. In addition to covering the cost of building damage, usually home insurance will replace the total assets in it.
With so many insurance options available, how do you choose the right insurance? What kind of insurance coverage is right for you?
Owner and User
In addition to comprehensive protection for your residential building, think about how you can use your money to protect yourself and your family.
Some home insurance provides personal liability benefits which are very useful in the event of an accident at the insured location. If your home is no longer livable due to a loss, some insurers also cover the cost of temporary accommodation until your property has been repaired.
Lessee Party
If you are renting an unfurnished and unrenovated building, then standard protection for the structures inside and outside your property will suffice. However, if the rental property is renovated and fully furnished, it would be wise for you to extend the insurance benefits to cover accidental loss or damage to the contents of the house.
Tenant
Most tenants think that the insurance owned by the landlord will also cover the losses they experience in the event of theft, fire, flood, or other disasters that can destroy their belongings. This assumption is not correct. Insurance owned by the lessor usually only protects their own interests.
In other words, your investment in creating a comfortable home (custom furniture, expensive electrical appliances, and precious souvenirs purchased while on holiday abroad) is your responsibility and must be properly protected.
Like the landlord, the tenant has his own responsibilities. You must be prepared to compensate for any loss or damage that occurs to the lessor's building, matters that occur during the rental period, or if at any time a third party injury occurs due to an accident due to your negligence as a tenant.
With so many options available, choosing the right insurance for your home can be daunting. A surefire way to determine the level of protection you need is to keep track of how much it cost you to build your dream home as well as the value of the contents of your home.
What is home insurance?
Home insurance is an insurance product that provides protection against losses resulting from losses such as fire, theft, and damage due to natural disasters.
What does home insurance cover?
Based on the services provided, home insurance is divided into two types, namely, Property All Risk or Industrial All Risk and the Indonesian Fire Insurance Standard Policy or PSAKI. The difference between these two types of insurance lies in the guarantee provided.
Why is home insurance important?
Protect against natural disasters We live with nature, which is unpredictable when nature moves against the harmony of our lives. The risk of earthquakes, floods, landslides and fires can occur at any time. This incident can certainly damage your home.
When are the insurance benefits?
Broadly speaking, all insurance products have the same functions and benefits, namely minimizing the risk of loss. This is because insurance can help cover losses due to an event.
How many types of insurance?
Insurance Type:
Motor Vehicle Insurance.
Property Insurance.
Personal Accident Insurance.
Credit Insurance.
Money and Property Insurance.
This is an explanation of property or home insurance. Whether we realize it or not, having property or home insurance indirectly protects our own finances. So if you already understand, let's have property insurance or your dream home. Your finances are guaranteed when a disaster occurs and your beloved home remains protected with Home or Property Insurance cover.
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