Why you Should Always Consider Home Contents Insurance
I got a phone call at about 4pm last week, it was a friend who said he had been burgled during the afternoon and would I go across and help as his wife wanted to keep the children away. When I got there I couldn’t believe the mess, the burglars only had one thing on their mind, what to take and how to get out of there in the quickest time. The drawers had been emptied on the floor, clothes had been pulled out of the wardrobes and glass cabinets had been broken for the contents inside even though the key was in the cabinet locks.
His wife had come home and found photos of their children spread across the garden, a side window smashed and even the garden ornaments broken in the haste to get away. Nothing could have prepared her for what she saw and she had only been out of the house 30 minutes to pick the children up from school.
I called the police to report the event as in the commotion my friend had forgot to do this and already had started to move possessions and put them away. I felt we should leave things as they were for know, until the police came and did their bit and told us we could start tidying up. It was during this wait for the police that my friend opened up and explained that this year they had not renewed their home contents insurance.
Suddenly an upsetting event pretty much became a tragedy. It had taken them years to build up what they had and now with only one wage coming in, it was unlikely to be back to normal within a short period of time.
I asked, “why did you not renew you home contents policy”, his reply was “we couldn’t afford to”. I wanted to say that they couldn’t really afford not to, but the timing did not seem right.
The police came and went and we both new it was unlikely that anything could be done about it as no one had seen anything. Fingerprints were looked for and eventually we were allowed to start clearing up the mess including fixing the broken window. A few days later he told me that the hardest thing, was telling his children their why their favourite toys had been stolen and his wife picking up the family photos from the garden.
Even though they couldn’t afford it, their insurance was renewed the next day and even though I new we were OK, I still checked anyway. Having someone rummage through your home, take your belongings and disturb your private castle is something that once you have been through will change your daily routines and priorities. But what must be worse is not being able to at least recover from the financial strain.
I have been fortunate enough not to have been through this trauma, but I have learnt from their mistake and without exception will be renewing my home and contents insurance on time every time.
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Mark is webmaster for Home Contents |
Home Owner Insurance Comparison - What To Look For, and How To Get It
When shopping around for homeowner insurance, there is one thing to keep in mind. In order to get the best insurance for your money, you must shop around. You do this every day in the grocery store trying to find better prices on products, and there is no reason why you shouldn’t do the same when it comes to homeowners insurance. It can be a little difficult in finding the right type of insurance that is best for you, but keep these few things in mind and you should be well on your way to saving big bucks.
Before you settle down and buy homeowners insurance from one company it is important to acquire and compare rate quotes from several businesses. Most companies will even give you a free rate quote if they know you are interested in purchasing insurance with them, regardless of if you actually choose them for your services. These quotes are very valuable information because sometimes, insurance companies can sense that you are not interested they may start competing for your business.
While you are talking to a representative about the quote, ask them if there are any discounts that you might be eligible for. For instance, if you have an in home fire sprinkler system, there are discounts available to you. Newer homes are also eligible for discounts because of their lower risk factor for fires and other disasters that may be more prevalent in older homes due to faulty wiring. Even people with a superior claim history are eligible for discounts. The list goes on and on, that is why it is to the best of your advantage to ask about discounts.
Armed with a little information, you can easily compare all of those insurance companies and get your monies worth. Remember, find out as much as you can about the coverage and be sure to get a free rate quote when available, they come in very handy.
View our Recommended Home Insurance Company, a simple site that has an easy to fill out application. It also has a lot of great info about Car Insurance Quotes and Affordable Health Insurance