Home is one of the most important assets owned by every person. The house served not only as a place to live, but also as a means of demonstrating social status, achievements and lifestyle.
However, houses are also vulnerable to various risks of natural disasters, such as floods, earthquakes, landslides, fires, hurricanes, among others. Natural disasters can cause physical damage to home buildings, furniture, and other valuables.
In addition, natural disasters can also threaten the safety and health of residents of the House.
To anticipate these risks, you need to have housing insurance that can provide financial protection if things happen that are not desirable.
Housing insurance is an insurance product that covers the loss or damage suffered by the house and its contents due to natural disasters or other events stipulated in the policy.
By having housing insurance, you don’t have to worry about spending big to repair or rebuild your home in the event of a natural disaster.
In addition, housing insurance can also provide other benefits, such as:
- Ensure the comfort and peace of mind of you and your family. With housing insurance, you don’t have to stress or worry about facing possible losses due to natural disasters. You can focus on more important things, such as maintaining the health and safety of you and your family.
- Help you fulfill legal or contractual obligations. If you have a home ownership loan (KPR) from a bank or other financial institution, you are usually required to have housing insurance as collateral. Thus, in the event of a natural disaster that damages your home, the bank or financial institution will not charge you to pay off the rest of your mortgage debt.
- Provides additional protection for your valuables. In addition to the house and its contents, housing insurance can also cover other valuables that are in the house, such as jewelry, electronics, art collections, among others. You can choose the type of housing insurance that suits the value and type of your valuables.
- Provide emergency service facilities and legal assistance. Some housing insurance products also provide emergency service facilities and legal assistance for their customers. For example, in the event of a natural disaster that requires you to evacuate your home, housing insurance can provide temporary lodging for you and your family. In the event of a legal dispute related to your housing insurance claim, housing insurance can provide legal assistance to defend your rights.
From the above, it can be concluded that housing insurance is a very useful insurance product to protect your assets and family from the risk of natural disasters.
By having housing insurance, you can feel more calm and comfortable in living your daily life. Therefore, immediately find out the housing insurance product that suits your needs and budget.
Don’t forget to read the terms and conditions of the policy carefully before deciding to buy housing insurance.