Contents Insurance, To Be or Not to Be
A house is filled with a thousand memories, right? Take a look around your house and admire all the unique and interesting possessions you have lying around the house. I’m sure many of them mean a lot to you. I’m sure you have possessions that have been passed down from your mother or father, which was passed down from their father or mother. Jewelry, clothing, children’s toys, and antiques all mean so much to you. But are they protected?
Contents insurance protects your prized possessions, the materials and objects that cost a lot or are emotionally worth a lot to you. Often people overlook contents insurance and feel burned after a natural disaster occurs and the coverage isn’t there to reimburse the damage.
In a matter of minutes your house can go from the place you called home to a pile of mess, destruction and bits of pieces all that remain. Natural disasters like fires, tornadoes, and hurricanes happen quickly and they do not show mercy. Are you protected from these types of storms? Are you protected from floods and theft?
If you want contents insurance it’s only a phone call away from getting the process started. Call up your insurance broker and request an appraiser stop by and assess your home and contents. Bonded valuators are trained professionals who will go over every corner of your house, jotting down the value and asking questions to the homeowner.
The insurance company and appraiser are here to help. Let them! Allow them to talk around the house and take your time. I know it’s discomforting for some to allow a stranger to walk around their home and examine their every possession, but it’s necessary in the insurance world. The more freedom they have, the easier and more accurately they can calculate your worth.
Based on the comments made by the appraiser to the insurance company, the insurance broker may decide to make additional suggestions to the home owner. These are tips and suggestions that allow you to protect your home better. Sometimes the insurance company creates stipulations, certain rules and regulations that must be met before the insurance will provider full coverage.
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.
Most people do not have a lot of jewelry or expensive items lying around the house. But almost every house has important items that help run the house everyday or items that may not be worth a lot, but were passed down for generations in the family. Contact your insurance provider, request an appraiser, and get started on contents insurance. Trust me, it’s worth it!
Graham McKenzie is the content Syndication Manager at insurance123.co.zaSouth Africa’s leading Household Insurance information portal
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