6 Reasons for the Importance of Property Insurance - Vera Coeg

6 Reasons for the Importance of Property Insurance

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 Insurance - or coverage is an agreement in which an insurer binds himself to an insured, by receiving a premium, to compensate him for a loss, damage or loss of expected benefits, which he may suffer due to an unspecified event."

Six Reasons for the Importance of Property Insurance

There are at least six reasons that can be explained about the importance of property insurance for you. The following is the description.

1. Protecting House Buildings and Its Contents

The main function of home / property insurance is to provide guaranteed protection to the house or occupancy that you have and its contents.

Your property will be guaranteed protection from various risks of damage from fire, natural disasters, and other causes of damage. This can be extended to cover the risk of loss due to theft or other crimes, as well as coverage against other interference.

2. Provide a sense of security

This home / property insurance protection can also be used to deal with uncertain risk of loss, such as fire, natural disaster, theft, or other risks. This will certainly give you peace and security and confidence as the owner of the asset.

If these risks occur and you experience a loss, there will be an appropriate reimbursement from the insurance company.

3. Low Cost

In the type of Indonesian Fire Insurance Standard Policy, the insurance premium value is very small on average, for example 0.50 / 00 of the total asset value.

For example, you have a house and its contents worth IDR 1 billion. The premium you have to pay is only 0.50 / 00 of 1 billion Rupiah, which is IDR 500,000 per year.

Pay attention to the comparison between the sum insured and the premium paid. You only need to pay a very cheap insurance premium to get maximum protection for the large value of your property.

So, at a low cost, your property assets can be well protected.

4. Replace Damaged or Missing Buildings and Properties

Home / property insurance provides reimbursement of costs resulting from damage or loss to your property. The condition for compensation is that the loss does not occur due to your negligence.

5. Avoiding Financial Disturbances

If the building of your house and everything in it catches fire, you will incur huge financial losses. Of course, the costs that you will spend to repair and replace all of these properties are not small.

Property insurance provides compensation for these losses so you can still protect your financial situation.

6. Temporary Residence

If the risk of loss that occurs causes you to lose your place of residence, property insurance can provide temporary accommodation free of charge or provide you with reimbursement for renting temporary housing. 

Reducing Risk

If you already know the importance of having property insurance, why do you still take the risk of not protecting your property?

Although losses may not necessarily happen to your property, of course you have eliminated one of the problems if you have property insurance.

Your life will definitely be more calm and comfortable.

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