A message has come through on your neighbourhood Whatsapp group about a break-in down the road from you. There were two incidents last week, a few streets up, and you noticed your neighbour has installed CCTV.
Nobody likes to be paranoid but you may be wondering if your home is the next target. Thieves love plasma TVs and other gadgets, let alone jewellery, clothing, linen and even the food in your fridge (or, possibly, your entire fridge and its contents).
South Africans have a wonderful sense of humour but not so when it comes to someone messing with our homes and the stuff we love.
You can put a chain and padlock on the fridge to curb your midnight snacking habit but you can’t bolt all your possessions down every time you leave home.
Is it not time to get home insurance and home contents cover quotes?
Homeowners insurance is affordable peace of mind that you’ll be able to replace your possessions if some cunning burglars make off with them or a fire destroys your home.
We know a lot of possessions cannot ever be replaced and this is probably the worst part about your home being broken into or gutted by fire.
But, without proper homeowners insurance, you’ll have the added stress of having to replace your household contents. Why wait until it is too late to get home insurance and home contents cover quotes?
So what is homeowners insurance exactly?
It is cover for all the things you possess which make you and your home unique, in the event these are lost, stolen or damaged. You’re covered for theft, fire, lightning, storms and earthquakes (you never know … it could happen), for example.
Even your electrical appliances are covered for power surges, which is a big plus considering the yo-yo electricity supply we have in South Africa. Losing a laptop, fridge or gate motor to a power surge is no small fry to replace or have repaired. It could even cost you your livelihood if you depend on that piece of equipment to earn a living.
What’s more, if you’re covered by homeowners insurance you can benefit from a security guard being posted on your property to protect your home after a break-in or other event which has left it vulnerable. Hollard offers this to its homeowners' insurance clients.
Homeowners insurance is pretty extensive too, in that if the damage occurs in a guest cottage or your domestic employee’s accommodation you could also put in a claim.
Imagine your mother-in-law is visiting for the weekend and staying in the guest cottage. You go on a jaunt to the mall, your house is burgled and her watch and her entire suitcase of clothing get swiped in the process. You see the monster-in-law in her coming out when you get home … but then you tell her all about your homeowners' insurance. Serious brownie points!
Do the smart thing. Get home insurance and home contents cover quotes from Hollard today.
