Why you shouldn’t leave your home uncovered
Home contents insurance is something that we think might be a good idea, but isn’t top of the list for most people who live in a house and own stuff. Which is odd, because these things cost a heck of a lot of dough. By all rights, this type of cover is probably 1 of the most important things you should invest in. It’s not just in South Africa that people avoid getting the right insurance for their homes.
An article published in the Telegraph (around 2011 or so) stated that 1 in 5 British people had no home contents insurance at all. There aren’t any major studies that give us the details on South African homes, but we do know that we have a higher risk of home invasions and break-ins. We also know that we have a higher rate of poverty. So, it isn’t completely silly to assume that South Africans might have a similar (if not higher) rate of uninsured households as the Brits.
Possibly the main reason to consider finding room in your budget to cover your house? The emotional trauma associated with the loss and the financial implications.
The emotional side
Sleepless nights, tears, anxiety, anger, and fear… These are just some of the things you’ll experience after an incident has robbed you of or damaged your homely possessions. And after you’ve dealt with the trauma of losing something precious, you still have to cope with the aftermath. Like clearing up, and fixing, the damage and figuring out how you’re going to replace your valued possessions.
The money side
2 words: Financially devastating. Yes, for many of us the mere idea of adding home contents insurance premiums to our already high cost of living seems like a waste of money. But it’s a lot like having medical aid. You’ll only truly feel the flood of peace of mind and gratitude in the moment that you really need it.
The truth is that, what you’ve filled your home with (even if you got good deals or hand-me-downs) will cost you thousands upon thousands to replace or fix. You simply can’t begin to imagine just how much money will go into getting your home back into order when compared to the much lower amount that you’ll spend on your monthly premiums.
Get cover today
To avoid the emotional and financial trauma of a break-in or home emergency that results in your valuables being damaged or thieved, it’s worth considering home contents insurance. To get started, all you’ll have to do is compare a few insurance quotes from top insurers in the country. Make sure you compare the price, any excesses that you might pay, the benefits, and what’s covered.
King Price is a good place to start. The royal insurer offers super cheap premiums, access to emergency home assist services, and royal service that gives you the peace of mind that you deserve. Get a commitment-free quote online in a few minutes by clicking here or you can talk to a friendly consultant by calling 0860 50 50 50.