Home insurance: why do you need it?
People often think about the issues of insuring their life, health, and, moreover, insuring their property. Insurance of property of individuals will provide compensation in various situations as a result of which the apartment or house was damaged. This is a reasonable investment. It is good when nothing bad happens to your house. But there can be all sorts of cases that make you wonder: Why I had not taken out home insurance before?
If you need insurance, including insurance for home, health, travel, and then Pol-Plan Insurance is what you need! Pol-Plan Insurance provides home insurance for the Polish community in the UK, covering all kinds of insurance matters. Their friendly advisors can help find you the cover that’s just right for you, your home and your possessions. And the most important thing is affordable prices.
Main risks
The main risks that customers most often choose their insurance to cover are the following:
- Hacking and theft is a fairly frequent problem when a family leaves a house unattended for a long time.
- Natural disasters and bad weather conditions - floods, hurricanes, hail, lightning, etc. can cause significant damage to your property. Note that when insuring you should carefully draw up a list of the phenomena included in the insurance policy;
- Fires are one of the most popular insurance claims for insurance.
In addition, you can insure your home from accidents involving:
- plumbing;
- falling trees;
- gas pipeline explosions, etc.
This is the minimum list. If desired, the client can include in the contract any risk that has occurred to him. That's just the number of these threats will increase the cost of insuring private homes.
What part of the house can you insure?
Note that in each of the above cases you can insure both the whole house as well as its individual parts:
- bearing structures;
- front side of the building;
- interior trim;
- movable property (appliances, furniture);
- wiring, plumbing;
- valuables stored in the house;
- bath, sauna;
- outbuildings, gazebos.
Having decided to issue a policy on your home, think in advance what risks in your case are the most likely, and try to protect yourself from them first.
Factors affecting the cost of insurance
The cost of insurance will be different, and it depends on several circumstances:
1. The number of risks selected by the client.
2. The condition of the house and all communications.
3. The presence in the house of protective systems or other structures that can protect the structure (reduces the cost).
4. The price of building materials from which the house is built.
5. Building use period.
The main condition for successful cooperation with the insurance company is an accurate assessment of real estate. With Pol-Plan Insurance you can save your time, money and get rid of all the hassle. Friendly, helpful and qualified advisors will help you deal with all your questions about insuring your home.
Find out more at https://www.polplan.co.uk/