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Home Insurance Is Essential, Not Optional

Author : Dakota Lindal

Insuring your car makes perfect sense. If you are involved in an accident or your car is stolen, you can put in a claim against your insurance and your car will be repaired or replaced. But why on earth does anyone need home insurance? It's not as if someone will one day pull into your driveway with a heavy duty trailer and steal your home? (No, I am not talking about a motor home or a caravan!) And another house won't skip a red light and bump into your house, causing some structural damage, so what exactly is home insurance for then?

Home insurance falls into two categories. The first category is called casualty insurance and this will cover the home and the contents of the home. The second category is liability insurance which will cover any person who is injured while on your property.

Who should have home insurance? The easy answer to this question is: Everyone! It does not matter if you are staying in an one bedroom flat on the 10th floor in the city centre or in a modest two bedroom house in a middleclass neighbourhood or in a 5 bedroom mansion in a security estate; you need to protect your home, your possessions and your family! Regardless of whether you're only renting your house or if you are the owner, home insurance is a necessity!

It is the responsible thing to do to get your home insurance in place as early as possible. As a first time buyer you are probably very excited about the big move, and frantically searching for that perfect bedroom suite with matching curtains. you should treat your home insurance policy with just as much enthusiasm! How else will you replace your pretty curtains if your house burns to the ground?

Before you start searching for a home insurance policy, it is important to first gather all your facts and information. You will need to know the size and age of the building, the structure, location and everything in between. Next you'll need to take a thorough inventory of everything in your home. All of these factors will influence the type and value of the policy you will require.

Be very careful when operating a home-based business from your premises. Do not assume that your business will be covered under home owner insurance. It is usually necessary to take out a separate business owner insurance policy as different policies cater for different requirements.

As with all other insurance policies, make sure that totally understand what your home insurance policy will cover. Does the policy cover acts of nature? What if an item covered under home insurance is stolen when it's in the car? Will the policy still pay out? Your broker will be able to assist you with all these types of questions. If you don't have a broker you can visit an insurance company or enquire via phone or email. In the digital era we live in, we access to more than enough information; we should all be able to make informed decisions.

Do a lot of research and shop around. You will be pleasantly surprised with the number of affordable home insurance policies available on the market. Once you are totally satisfied with your chosen policy, you can sign on the dotted line and enjoy carefree living in your lovely home!

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Submitted : 2010-12-01    Word Count : 870    Times Viewed: 496