When you manage to own your dream home, a plan to insure it is often not on your next list of priorities. In the event of damage, don't remind yourself how important it is to protect your dream home.
It is Important to Protect Home Contents!
Protecting homes should not be limited to building them. Equally important is the protection of the items in your home, including:
- Sofas, tables, lamps, display stands and other household furniture.
- Air conditioners, refrigerators, TV sets, washing machines and other household appliances.
- Glasses, plates and other household items.
- Personal items such as laptops, cell phones, jewelry, etc.
- All occupants of the home, including domestic helpers and personal items.
Here are some of the things that can lead to permanent damage or loss of items in your home.
Electrical Voltage Fluctuation
Long-term unstable voltage will definitely affect all electronic devices in the home, especially LED TVs, computers, air conditioners, refrigerators, etc. In fact, a sudden power surge can instantly and permanently damage electronic equipment.
Theft or Robbery
Any property damage due to theft or robbery will of course result in financial loss.
Natural disasters
Floods, hurricanes, storms, earthquakes, tsunamis, landslides and other forms of natural disasters can have a significant impact on damage including your home and property. In fact, the amount of damage (severity) can make you lose everything in an instant.
Negligence
There are many valuables in the home, such as B. Expensive furniture, TVs, washing machines, laptops, etc. can be damaged or lost due to the carelessness of you or other occupants. Due to this oversight, you may have to pay a high price to repair or replace the damaged item.
So, of course, you must understand all these risks and design the appropriate home insurance or property insurance.
Property All Risks
You need to know that not all types of insurance for property cover all these risks. For example, a fire insurance policy that only covers losses due to fire risk (FLEXAS) only.
Therefore, property insurance for all risks (PAR) is highly recommended for you. Complete PAR insurance can protect your home and all its contents, including protecting your life and all residents of the house.
This type of insurance policy can provide the following benefits.
- Reimbursement of damage repair costs.
- Replacement of damaged or lost property.
- Provide compensation for any losses.
- Compensation for personal accidents.
Almost all risks can be covered in this type of insurance policy, including the risk of natural disasters and negligence. However, this type of property insurance has stricter terms and conditions for negligence risk coverage.
Home Sweet Home
Building your dream home is certainly not a cheap investment. However, this will be useless if you do not protect it with optimal protection.
Take care of your dream home by choosing the right property insurance and say goodbye to your worries.
There is no better place than to be at home and live quietly in it.