Indeed, many who know about insurance? Not even a few who
knew in detail about the ins and outs of insurance. But somehow, the public
interest for insurance is still quite low. Actually it is quite in
contradiction between the reality of what the public wants. Look at how the
general public would refuse to be insured for their assets when they really
want to have the assurance that there will be no bad thing that happens to
their assets. Take the example of home insurance.
When asked if people want to be a member of the home
insurance policy, only a few are agreed. However, everyone would want their
house is fine. They are aware that the house is shelter them. They are also
aware that the home is the best place for them to get relaxation, gather with
loved ones and get entertainment. However, when they are confronted with the
insurance offer, they shook their heads. Though not a few of those people who
know how insurance can provide protection in their home.
Okay, let's assume most people do not know anything at all
about home insurance. How does this kind of insurance can work and can give
protection in our homes? What will be the obligations and our rights? Actually
what is insurance for the house? Let us try to discuss together here. Who knows
later you can take a lesson that the insurance is not something that will hurt
you instead will give a lot of positive effects on you.
Home
insurance, as the name implies, is insurance provided by an insurance
company to ensure your assets are in this case a home. We all can not know with
certainty what will happen in the future in your home. Without any tendency to
make you scared, actually a lot of bad things that can happen to your home.
Take for example, fires and natural disasters. Both of these can easily make
you lose your home. Your home destroyed by two things of course be your loss.
However, if you have purchased a home insurance, you need not
worry anymore. Basically, the insurance company will help you to ease your
financial burden or even become a substitute for you to take care of the
financial burden entirely. In this case, when you have problems like house
damaged by fire, the insurance company will compensate the amount of money
which the amount has been agreed upon in advance when you register to become
owners insurance.
Take for example, when you are buying a home for USD 100
million. Then you buy insurance and you are obliged to pay a premium of USD 1
million per year over a period of several years which is determined by the insurance
company. When suddenly the house you have problems as mentioned above, you can
receive the compensation amount can vary as intact for your home or 80% of them
or another appropriate number of decisions that have been agreed in advance.
Is not this can be very ease for you as a homeowner if bad
things happen to your home? What if something bad does not happen at your
house? Generally, the premiums that you have paid will be returned to you. But
there are also some insurance companies that do not fully restore or not
restore at all. Of course you have to be careful in choosing a home
insurance.
Make sure you get insurance from a company that has been
well-known that the premium you pay on a regular basis will not go away freely.
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