Home insurance – yes, you need it!

Home isn’t just where the heart is, it also provides a physical barrier of protection, keeping you and your family safe, warm and comforted. If something were to happen to your home, like a fire, flood or burglary, it would cause not only emotional loss but financial loss too. And the last thing you want to worry about is the money you’ll need to replace your items or rebuild your home. That’s why home insurance is absolutely critical. It provides a financial safety net, which you simply can’t do without.

The first thing you need to know is that home insurance is split into two types. One is buildings insurance which covers the actual structure of your home. The other is home contents insurance, which covers everything inside. We take a quick at what is covered under each of these insurance types, to ensure that you have all the facts.

Buildings insurance

If you rent a home, then the landlord will take care of the buildings insurance. If you yourself are a landlord, property investor or own a property for your business, buildings insurance is imperative.

What does buildings insurance cover?

Buildings insurance covers the structure of your home (or other property) and certain fixed structures like your garage. It also covers security measures like gates and fences.

You are covered for many risks, including the following:

l Break-in and theft

l Fire

l Flood damage

l Burst pipes

l Damage caused by a fallen tree

l Power outages

l Liability cover

l And much more

Benefits of our buildings insurance

If the security of your home has been compromised due to an insured risk, we’ll send a guard to keep watch over your property until repairs are complete.

Plus you enjoy automatic access to a host of Assist Benefits, for medical and home emergencies, legal advice and much more.

Home contents insurance

Imagine if you turned your home upside down, all the things that fell out would be your home contents. This includes everything from your smart TV and generator to your fridge and furniture. That’s a lot of stuff, and a lot of money to pay out if something happens to them.

Let’s take a look at the home contents cover we offer.

1. Comprehensive home contents insurance

As the name suggests, comprehensive home contents insurance covers almost any risk you can think of. These risks include:

l Theft (yes, even if you live in a secure estate or complex, theft can still happen)

l Fire and explosion

l Flood

l Lightning damage

l Power surge

l Resultant damage from a burst geyser

2. Fire and storm only home contents insurance

If you don’t feel you need full-on comprehensive insurance, then this could be the cover for you. Enjoy protection against two of the most common and costly risks: fire and storm.

Benefits of our home contents insurance

If your security of your home has been compromised due to an insured risk, we’ll send a guard to keep watch over your property until repairs are complete.

Plus you enjoy automatic access to a host of Assist Benefits, for medical and home emergencies, legal advice and much more.

If you’re now feeling more convinced about the immense value of home insurance, then it’s time to get moving and get a quote. Click here for a building insurance quote and here for a home contents insurance quote.

Dial Direct Insurance is a licensed non-life insurer and financial services provider. Terms and Conditions online.