Providing cover for your Personal Belongings
Providing cover for your Personal Belongings
A home contents insurance policy provides protective cover for your personal belongings against damage or loss caused by fire, theft, accidents, natural disasters such as storms and floods, water leaks, and the like. Whether you rent or own your house, even if you have security measures in place, such as burglar bars, security gates and alarm systems, it is always a good idea to take out home contents insurance. Regardless of how good your security measures are, every house is still susceptible to theft and this is only one of the risks to your belongings.
Your home and its contents face a variety of risks which may cause damage to your property and possessions. The replacement value of household contents due to damage or loss can be extensive. Home contents insurance protects your wealth against these unforeseen expenses. In exchange for a monthly premium, home insurance companies agree to take on the risk to protect your home and its contents.
House insurance or home owner's provides protection against risks to your property. Your property consists of the actual buildings of your private residents, including any outbuildings and swimming pools. The risks to your house may include fire, lightning, wind, flood, earthquake, theft, vandalism and other risks specified in your house insurance policy. If you have a bond it is compulsory to have house insurance for the duration of the term.
House insurance and home contents are not mutually exclusive and household insurance policies often have cover for both the buildings and its contents. However, the type of house or household cover depends largely on the replacement value of the building or your possessions.
Home insurance gives you peace of mind knowing that you have the right cover to protect your household. PSG can do a thorough analysis of your household insurance needs to provide you with the best home contents insurance policy at affordable prices.
Choice: We carefully consider a variety of household insurance policies, some available on the market and other exclusive to us. We then provide you with a list of options that suit your home insurance cover requirements.
Affordability: A home contents insurance policy can be costly; our analysis of your needs will give you affordable competitive premiums that provide you with the best household insurance cover.
Low Cost: We add value to your home insurance policy through products, tariffs and low excess structures that are unique to us and very competitive in the marketplace.
Convenience: We support you in every aspect of the process from the conclusion of your application to the maintenance, with regular reappraisal which improves competitiveness to insurance claims of all sizes.
Accessibility: We provide clients access to approved insures and underwriters.
Hassle free claims: You will receive access to an expert team providing technical underwriting and claims advice for your home insurance.
Great service: Our PSG Konsult broker network which exceeds 250 branches countrywide supports a wide variety of additional products and other financial services.
Rewards: You will earn rewards whether you claim or not.
House insurance or home contents premiums, like all insurance premiums, are determined based on risk and are calculated to reflect the probability that you will make a claim. Those who are unlikely to claim will have lower premiums than those more likely to make a claim.
Home insurance companies take many factors into consideration to determine the likelihood that you will make a claim. The factors home insurance companies use to determine premiums include: The sum insured, where you live, the excess amount, the oldest person living in the house, home security, your statistical group and other factors.
PSG Online offers flexible home and household contents insurance to cover losses such as theft, accident and liability. In addition, our house insurance products also cover losses due to fire and explosion, and natural disasters like earth quakes, hail and floods.
Household insurance policies consist of the following cover:
Household contents insurance
House owner's insurance
All risks insurance
Personal liability insurance
source: http://www.psgonline.co.za/insure/contents-insurance.php How To Find Lawyers Specialized In Personal Injury Lawsuits What To Look For When Hiring A Personal Injury Attorney Want To See What's In Someone's Past? Here's How To Run A Personal Background Check On Anyone! How To Cut Down Tow Truck Insurance Rates? 1-800-513-3135 Personal Integrity Orlando Personal Injury Lawyer – How They Can Be Of Assistance For You Tips for Choosing a Personal Injury Lawyer Four Good Reasons To Claim Personal Injury Compensation Five Easy Ways To Destroy Your Personal Brand How Maryland Personal Injury Lawyers Can Assist You to Acquire a Financial Assistance Personal Trainer Adelaide - The Best Workout To Lose Fat What Are Personal Injury Lawyers? A Shift of Identity – The Awesome Power to Affect Personal Changes