Why You Really Need to Protect Your Home and Its Contents

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When it comes to getting insurance for your home, you might underestimate the contents and not have proper cover in place to protect them.  You’ve worked hard to build your financial security and buying enough insurance to replace what you have can give you peace of mind in the midst of a chaotic situation.  If you’ve bought a home and have it furnished and are ready to begin a peaceful and comfortable life, you may question whether you need insurance or not. Let’s look at some reasons why having protection in place is important for your financial stability and the protection of your assets.

home Why You Really Need to Protect Your Home and Its Contents

Household insurance protects your financial stability in the midst of an unsettling event

  1. 1.       Insurance covers your home’s contents effectively.  If you take a look at the items that you have in and around your home, you’ll see that you’ve amassed quite a possession of goods in your lifetime.  You have furniture, carpets, linens, televisions, electronic equipment, clothing, toys and sporting goods, and tools and gardening equipment that help you to maintain your home.  You’ll want to make sure that your policy covers all of these essentials in your home environment.
  2. 2.       What happens if someone is hurt on your premises?  Having an insurance policy that covers the medical expenses of your guests and any employees that you may have in your home is imperative.  You never know when someone might trip over a rug, fall on a stairway, or be injured in your garden area. 
  3. 3.       Are the contents of your fridges and freezers covered?  Because of difficult economic times, you may be purchasing meats and vegetables in bulk and storing them in your freezer for later use.  This cuts the cost of each meal and provides you with supplies whenever you need them.  This is an excellent financial investment that works well with your budget and should be protected with your insurance plan.
  4. 4.       How much should you expect to pay for your insurance?  As with car insurance, you should look for every advantage that you can find to cut the cost of your cover and maintain an adequate policy.  Inquire about group discounts, senior discounts, and bundling your car and home insurance cover for more competitive premiums.
  5. 5.       Select a deductible that meets your individual needs.  Working with a trained professional will be valuable as you decide on the cover that you want, the deductible that you can afford, and the premiums that you will pay.  His expertise and knowledge of how the insurance industry works will be beneficial to you as you go through the process of getting household insurance cover on your contents and property.   It will be important to discuss in detail your expectations and the value of the cover that you need; it’s wise to know what you have before you need to make a claim.  To protect your financial investments and assets it’s important that you have insurance that protects you against accidents, burglary, or sudden loss of your property.


Keyword: household insurance

Image courtesy of:  Maggie Smith FreeDigitalPhotos.net

URL: http://www.santam.co.za/products/personal/house-content

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