Beyond brick and mortar, our homes are where we invest our hopes, dreams and spending time with our loved ones. As you know, things don't go as planned in life, repair the house before it rains! Hence, safeguard your important valuables and assets with these types of home insurance, read the details below:
1.Basic Fire Policy
This policy covers only the value of the building itself, in the event of loss due to damage caused by fire, lightning, as well as explosions from household gas and boilers.
At the same time, this policy can be extended to include a range of add-on covers such as storm damage, flood damage, subsidence, and other types of events (e.g. water pipe leakage, riots, strikes, damage caused by objects dropped from aircraft) that could result in loss or damage to the building.
2.Houseowner Policy
A comprehensive policy designed for homeowners to cover loss or damage to their home, including fire insurance policies (e.g. earthquakes and volcanic eruptions). In addition, riots, strikes and criminal damage, land subsidence and landslides are also covered.
In addition to that, the policy also covers burglary and loss of rent due to damage to the home.
3.Householder Policy
Homeowners insurance is almost the same as homeowners insurance, but it covers the contents of the home rather than the home itself. This policy is suitable for residents as homeowners insurance only covers the home, not the owner's property.
Do's and Don'ts When Buy a Home Insurance
Do's
All necessary information should be indicated in the insurance application form
Read carefully and understand all the terms and conditions of the policy
Pay on time, because they may cancel your policy if the insurance company does not collect the payment within the time
Dont's
Do not sign on a blank insurance application forms
Do not hide facts or details that requested on the application form
Do not buy additional insurance for your property where you may not able to afford
ความคิดเห็น