The Invisible Protection Plan: Contents Insurance

A house is filled with a thousand memories, right? Take a look around your house and admire all the unique and interesting possessions you have lying around the house. I’m sure many of them mean a lot to you. I’m sure you have possessions that have been passed down from your mother or father, which was passed down from their father or mother. Jewelry, clothing, children’s toys, and antiques all mean so much to you. But are they protected?

Contents insurance is a must for any family with a moderately sized home. The insurance guarantees protection for your prized possessions either worth a lot in value, or that symbolizes a lot to you. Such as a grandfather clock that has been passed down for centuries. It protects your house’s favorite possessions.

A house fire can spark up in a matter of minutes from a variety of sources. Sometimes the source of the fire is preventable while other times it’s just a fluke. Either way a fire will destroy anything in its path. Floods and water damage can ruin possessions quickly as well. And what about security from thieves? Don’t you want that protection too?

Hopefully you would have contents insurance. If not, isn’t it about time you got it. Once you decide to expand your coverage on your house and possessions, talk to your insurance broker and request an appraiser to stop by. The appraiser is responsible for examining your home and assesses the worth of your possessions.

The insurance company and appraiser are here to help. Let them! Allow them to talk around the house and take your time. I know it’s discomforting for some to allow a stranger to walk around their home and examine their every possession, but it’s necessary in the insurance world. The more freedom they have, the easier and more accurately they can calculate your worth.

The insurance company will work closely with the appraiser and discuss the contents of your home. The insurance company may provide additional information on how you can better protect your home. Sometimes these are more than suggestions, stipulations that must be met before you gain full coverage.

For example, security systems are a great idea for any family home. These alarm systems insure your family can sleep in peace and leave the home for a weekend or vacation. Sometimes safe’s are ordered to protect extremely valuable items like jewelry.

You may not need a safe or security system, but you do need the invisible security of contents insurance. It’s a cheap way to ensure all your possessions are cared for in case of an emergency. Protect you and your family’s future.

Graham McKenzie is the content Syndication Manager at insurance123.co.zaSouth Africa’s leading Household Insurance information portal

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