Today I got home after having a long day at the office, thinking of a really fascinating debate we had at the office. The general talk for whatever reason led to a serious debate about insurance coverage. Half of the office was pro-insurance and the other half was of the solid opinion that insurance is only for people who live recklessly.
I (being an extremely cautious, cautious, everything that can go wrong will go wrong kinda woman) am of course on the pro-insurance squad and have made it my goal to show exactly how many dangers are lurking around each corner of your “safe and secure” family residence! I am going to therefore show that home insurance is a “must” and not a “maybe”!
The most obvious insurance is in all probability cover against robbery. Even though we reside in a beautiful country, the reality is regrettably that we also have one of the highest criminal offence rates known to man and that a burglary can happen any moment – early morning, midday or night time! We tend to be almost starting to choose the outlook of “I don’t care that they took the contents of my entire house, I am blessed to be alive!” Positivity is naturally important, however if your home contents are not covered by insurance as part of your home insurance coverage, you will not feel that positive anymore!
A while ago we woke up one night with the noise of running water in the background. Once we were gradually conscious enough to realize that we are not camping out next to a beautiful waterfall, we came to the realization that our geyser has indeed burst and the dripping sound was the sound of our whole home receiving a free rinse! Thankfully, our home insurance policy provided for this less-than-pleasant incident and our brand new geyser was installed the very next day.
My neighbor had a related event at his home. The only big difference was that rather than a geyser, it was an aquarium with 2 tons of water along with a variety of quite expensive tropical fish that ended up gasping for oxygen on his living room floor.and on the couch. and on the very expensive coffee table. and.
It is also possible to take care of yourself in the event of more specific situations. This ought to be talked about with your insurance vendor – under no circumstances assume that your home insurance scheme automatically covers you for everything linked to your house!
What happens if the hyperactive little boy down the street decides to practice his target shooting skills on your very expensive mosaic sliding door. will you be protected? And when your automated garage doors’ motor gets stuck while you’re at work and burns out the motor? Those things can be very expensive to replace, does your insurance policy cover that? Then there are the so-called acts of nature which include anything from floods and fire to lightning strikes. It’s amazing how a single lightning strike might take out that expensive home theatre system and state of the art pc that you are even now struggling to pay back. will that be taken care of and to which extent?
I trust this demonstrates to my na?ve colleagues that home insurance really should be paid with a smile – you will never know when you may need it!
