Indeed there are many who know about insurance. Not even a few know in detail about the ins and outs of insurance. But somehow, the interest of people for insurance is still quite low. In fact, this is quite contradicting between reality and what society wants. Just look at how society will generally refuse to be an insurance holder for their assets when they are very curious about the certainty that there will be no bad things happening on their assets. Just take an example of home insurance. When asked whether people want to become members of home insurance, few are willing to.
However, everyone would want their home to be fine. They are aware that the home is their shelter. They are also aware that the house is the best place for them to get relaxation, hang out with loved ones, and get entertained. However, when they were faced with an insurance offer, they shook their heads. But not a few of those people know how insurances can provide protection to their homes.
Alright, let’s think most people do not know to be at all about home insurance. How can this kind of insurance work and can give a role to our home? What will be our obligations and rights? Actually what the hell is the insurance for the house? Let’s try to discuss it together here. Who knows later you can take the lesson that insurance is not a thing that will hurt you will give a lot of positive effect on you.
Home insurance, as the name suggests, is insurance provided by the insurance company to guarantee your assets which in this case in the form of houses. We can all not know for sure what will happen in the future at your home. Without any tendency to scare you, it is actually a lot of bad things that can befall your home. Just take examples, fires, and natural disasters. These two things can easily make you lose your home. Your home that is destroyed by these two things is certainly your disadvantage.
However, if you have purchased home insurance, you do not need to worry anymore. Basically, insurance companies will help you to relieve your financial burden or even become your substitute to take care of that financial burden completely. In this case, when your home is experiencing problems such as being damaged by fire, the insurer will compensate you for a certain amount of money which has been agreed upon before when you register to become an insurance owner.
Just take the example, when you’ve bought a house for Rp 100 million. Then you buy the insurance and you are obliged to pay a premium of Rp 1million annually over a period of several years determined by the insurance company. When your house suddenly has problems as mentioned above, you can receive compensation that can vary as the cost of your house is intact or 80% or another amount according to the decision that has been agreed with before.
It is not that it can be very lightening for you as a homeowner if something bad happens to your home. What if the bad thing doesn’t happen to your home? Generally, the premium money you have paid will come back to you. But there are also some insurance companies that do not return in full or not return at all. Of course, you have to be careful in choosing home insurance. Make sure you get insurance from a reputable company so that the premiums you pay on a regular basis will not disappear free of charge.