Tutorials1927 - Moreover, if the established houses were in such a densely populated neighborhood of Jakarta, of course, a greater fire risk than sparsely populated areas.
Many people come home protection insurance in order to protect the loss due to the disaster to their homes. But there are some things you need to consider in this insurance program participated.
As well as any insurance company you use, the main protection against permanent home comes from yourself. Necessary techniques to choose the company and the type of insurance that can provide protection from all risk on your house in total.
Here are four ways to choose the best home insurance:
1. Perform a comparison
You should have as much choice as possible, so easy to make comparisons about the provider of home insurance products. The purpose of comparison is best able to make decisions by comparing costs and benefits of various insurance companies of the house.
To save time and costs when making comparisons, you should do a comparison online. In fact you can directly apply for home insurance or free online consultation.
2. Know guarantee
By having a lot of options in making comparisons, you can figure out what protection is owned by each of the products offered by insurance companies choice.
For example, the risk of fires that occur due to various reasons, such as short circuit, short circuit, lightning, fall of aircraft, explosion, or unrest.
Ask how the insurance company is looking at these risks, so you will clearly understand where the risks are guaranteed insurance company, why the risk is warranted, and what the risks are not guaranteed.
3. Know the claims process
You certainly do not want the risk of eventually occur. If that happens, you must file a loss claim to the insurance company. But in reality make a claim not easy to imagine.
Therefore, in the process of comparison inquired in detail about the claims procedure applicable in the respective companies offering home insurance. Make sure you will have no trouble handling claims when the risk of unwanted happening.
To add information, ask it to the experts who take care of the insurance financial forum. So easily and quickly get a response, do the online forums.
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4. The cost and value of insured
The amount of fees you have to pay and the insurance to be obtained be the deciding factor decision. Therefore, you should count not to place insurance money received is not enough to build a house back.
So you have to do the calculations carefully and compare the length of the insurance contract. If you are interested in participating in property insurance, learn some tips in choosing an insurance propert following:
• Look reputation
The company's reputation is the most important thing. Do not let you choose an insurance product from a company that is illegal and has a bad reputation in the claims. Choose a company registered in AAUI (General Insurance Association of Indonesia) and Bapepam-LK (Capital Market Supervisory Agency and Financial Institution).
You can ask for recommendations from friends who have property insurance of a company with a good reputation.
• Adjust the need
You can take the most comprehensive insurance policy with a policy that is expensive, but you should adjust your policy needs to in order to save the annual fee paid.
Suppose you do not need flood protection if the house is in the highlands, or you do not have to choose the protection of landslides if the house is located in the lowlands. Adjustment needs with insurance products that are taken will save the cost of the policy.
• Compare products
Insurance companies spend a lot of insurance products with a variety of facilities and advantages. We recommend that you compare all products from different companies to get insurance that best suits your needs and at a low cost policy.
• Learn the polis
Polis is an agreement between you and the insurance company. You have to understand every point that is written in the policy. If there are points in the policy does not understand, immediately ask to clear so that no misunderstanding in the future.
• Ask procedure
Another important thing is you have to understand the insurance claim procedures in case of unwanted things. Ask the agent to explain the procedure claim that you can immediately file a claim in the event of unwanted things in accordance with the agreed policy.
Let's use the property insurance!
With numerous benefits and advantages offered property insurance. Should you need to consider property insurance to protect the homes of the various risks that may occur at any time.
Remember, a house is a shelter you and your family, to protect it, it means you also protect all family members.
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