About Home Insurance You Must Know
Home is the dream of every person. One of the dream list who wants to be realized, the home includes top list. Takes time and costs are great to finally have a dream home. There is a friend told me ... This home was built with blood, sweat and tears ... so hard he struggles to realize the House.
It is home to the majority of people are the greatest asset owned by a family. A veryvaluable asset and requires sacrifice to get it. .. blood and shedding tears:). After the House is owned by the next stage is to care for and take care of her. Taking care of the House carried out almost everyone, but protect him only very little once did it.
The House as our greatest asset can be destroyed in a matter of minutes even seconds.
Can be burned, crushed or damaged earthquake affected affected by flooding. Who can guarantee that our homes will not be affected? Only the Almighty knows.
In case of disaster with our houses require enormous costs and not necessarily we have the funds to rebuild. Enough with the Rp. 200,000,000? We have a Fund of that?
We can lose the dream that we have achieved in the blink of an eye.
It would be wise if the burden of the huge risks we switch to another party, i.e., the insurance company.
Generally we insure car. .. But why not ...?
Maybe there are still many who do not understand what it is and how home insurance mengasuransikannya. As well as the large premium rate assumed his expensive so did not want to buy insurance
Here I would like to convey their knowledge and tips to insure your most valuable asset, your home. We can insure your home with the furnishings and contents.
Home insurance product has 2 (two) form of collateral. That is the Basic Guaranteesand warranties. Home insurance are annual so it must be extended in each year.
BASIC ASSURANCE
The basic guarantee is the basic benefit of purchasing products/home insurance.
So if you buy home insurance protection then you will get is:
- Fire
- The House caught fire due to negligence in the House or join the burning because fire from the neighbor's House.
- Lightning
- Damages that occur due to being struck by lightning.
- Blasting
- Damaged due to the explosion affected, for example the gas tube exploded.
- The Fall Of An Airplane
- The ravages of the affected airplanes that fallen home.
- Smoke
- Building damage due to smoke because of fires or other things
ADDITIONAL GUARANTEES
If we feel there is still a lack of protection, we want to also replaced if damaged houses due to earthquake or flood affected, then we have to add an extra Guarantee onour home insurance. Automatic with the addition of this guarantee premiums will increase.
This additional protection/assurance could vary between different insurance companies al:
Riot, Insurrection and Terrorism Sabotage
Earthquakes, Tsunamis, Hurricanes, Floods Of Hurricane
Landslide Debris Cleanup costs
Theft with violence Cost the architect to design the House back
The Accident Myself (Personal Accident) Medical Expenses
Legal Responsibility Of Parties III Cost Of Temporary Accommodation
The Cost Of Fire Suppression Costs Architects
Etc.
The magnitude of the value that is replaced when the accident occurred, could be:
-The total worth of 100% of sum assured
-Certain amount of value Worth
A certain percentage of Worth-of sum assured and no limit maximalnya
To detail and certainty the cheque to the agent of the seller or read on polisnya.
The House is burning crushed then get the value of the compensation for 100% of the value of the sum assured (UP).
Things generally worth in Exchange for a percentage of the UP (generally by 10%) and no limit maximalnya:
The Cost Of Housing While The Cost Of Cleaning The Debris
Third-Party Legal Liability Cost Of Temporary Accommodation
Theft Kebongkaran & Accident Yourself
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