Contents Insurance, To Be or Not to Be
You're house really means a lot to you doesn't it? Of course it does, homes are built for comfort and safety. Dorothy was right when she said, "There's no place like home." However, just like she found out in the Wizard of Oz, natural disasters like tornados can destroy your dream house in seconds. Are you protected from the damages?
Do you know what you would do if a deadly fire or flood destroyed them all? Do you know about contents insurance? If not, let me explain. Contents insurance provides coverage for all those possessions you hold dear. They are reimbursed in money if they are destroyed in a natural disaster or by theft. This
A house fire can spark up in a matter of minutes from a variety of sources. Sometimes the source of the fire is preventable while other times it's just a fluke. Either way a fire will destroy anything in its path. Floods and water damage can ruin possessions quickly as well. And what about security from thieves? Don't you want that protection too?
Hopefully you would have contents insurance. If not, isn't it about time you got it. Once you decide to expand your coverage on your house and possessions, talk to your insurance broker and request an appraiser to stop by. The appraiser is responsible for examining your home and assesses the worth of your possessions.
Allow the appraiser to roam your house freely and take his or her time. Remember, the better job they do appraising, the more accurate your possessions are calculated. Follow them around and answer any questions they have. They are trying to work with you, not against you.
The insurance provider and appraiser work hand-in-hand, creating the ideal coverage policy for you. The contents insurance package may include suggestions from the insurance company on how to protect your home from natural disasters and theft.
For example, security systems are a great idea for any family home. These alarm systems insure your family can sleep in peace and leave the home for a weekend or vacation. Sometimes safe's are ordered to protect extremely valuable items like jewelry.
You might be thinking I don't have enough valuable items or jewelry to need contents insurance, but you may be in for a surprise. Your valuables can add up quickly and usually are worth more than you may think. Hire an appraiser and gain a rough estimate. It's always nice to have that protection, "Just in case."
Do you know what you would do if a deadly fire or flood destroyed them all? Do you know about contents insurance? If not, let me explain. Contents insurance provides coverage for all those possessions you hold dear. They are reimbursed in money if they are destroyed in a natural disaster or by theft. This
A house fire can spark up in a matter of minutes from a variety of sources. Sometimes the source of the fire is preventable while other times it's just a fluke. Either way a fire will destroy anything in its path. Floods and water damage can ruin possessions quickly as well. And what about security from thieves? Don't you want that protection too?
Hopefully you would have contents insurance. If not, isn't it about time you got it. Once you decide to expand your coverage on your house and possessions, talk to your insurance broker and request an appraiser to stop by. The appraiser is responsible for examining your home and assesses the worth of your possessions.
Allow the appraiser to roam your house freely and take his or her time. Remember, the better job they do appraising, the more accurate your possessions are calculated. Follow them around and answer any questions they have. They are trying to work with you, not against you.
The insurance provider and appraiser work hand-in-hand, creating the ideal coverage policy for you. The contents insurance package may include suggestions from the insurance company on how to protect your home from natural disasters and theft.
For example, security systems are a great idea for any family home. These alarm systems insure your family can sleep in peace and leave the home for a weekend or vacation. Sometimes safe's are ordered to protect extremely valuable items like jewelry.
You might be thinking I don't have enough valuable items or jewelry to need contents insurance, but you may be in for a surprise. Your valuables can add up quickly and usually are worth more than you may think. Hire an appraiser and gain a rough estimate. It's always nice to have that protection, "Just in case."
About the Author:
Graham McKenzie is the content Syndication Manager at insurance123.co.zaSouth Africa's leading Household Insurance information portal