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?
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.
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?
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.
Appraisers are here to serve your best interest. They can only do that with your complete cooperation. Allow them to roam the house so they can appraise the house for the correct value. If they do their job right, the insurance company will quickly and accurate return the damages of your lost possessions.
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.
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






































