Home Insurance

6 reasons to buy home insurance

Published

2 years ago

September 12, 2022

We work to acquire a series of goods throughout our lives, but just as important as the acquisition of the good is its maintenance and protection. For this, there are currently several types of insurance available on the market, including residential insurance: the best way to protect your home and your family. To better understand this product, we now offers 6 reasons to purchase home insurance.

The importance of home insurance

First you need to understand the importance of having home insurance . Imagine the possibility of having your property damaged at any time by some kind of unforeseen event that does not depend on you. Only you know all the effort that went into acquiring your property and it is wise to consider this possibility, after all we are all subject to unforeseen circumstances.

The only way to ensure that your property is fully protected is home insurance. It guarantees protection against a series of unforeseen events and offers you complete peace of mind in many cases.

The importance of home insurance during the holidays

During the vacation period, travel is very common and during this period, the residence is totally vulnerable. The property, for example, can be affected by:

A fire: which can start from a defect in the electrical network or any other damage;
A lightning strike: Summer rains are usually accompanied by lightning that unfortunately can reach different locations, causing serious infrastructure problems;
An explosion: Electrical problems can also cause explosions;
Electrical damage or short circuits: As much as the residence has been well built, electrical damage and short circuits are increasingly common and can cause great damage, including in home appliances;
Theft: Empty properties are very vulnerable to theft. Criminals prefer to take advantage of the owner’s absence to invade and steal real estate;
Windstorms: Weather changes can bring strong windstorms and it is extremely common for this type of natural phenomenon to cause damage to residential properties;
Landslide: Natural phenomena or isolated events can also cause landslides. This type of action usually causes serious damage to property owners.

All these events can happen at any time, but if the fact occurs during your absence on vacation, for example, with home insurance you can enjoy your vacation with complete peace of mind.

To help you understand the importance of home insurance, see 6 reasons to buy home insurance.

1 – Protect your assets

Among the 6 reasons to buy home insurance, the first is protection. Home insurance is the best way to protect your property against any of the unforeseen circumstances mentioned above, whether on vacation or at any time of year. This type of product guarantees all the necessary coverage in case any of these events occur in your home.

2 – Insurance is very cheap

Home insurance is very cheap. Comparing, for example, with auto insurance, home insurance is proportionally much smaller. While a car worth approximately Rs30,000 has insurance worth around Rs1,500, a property worth around Rs300,000 will have home insurance of around Rs300 per year.

3 – Offers several covers for your convenience

In addition to the coverage for the cases mentioned above, residential insurance also guarantees:

Family Civil Liability – Ensuring reparations for involuntary, bodily or material problems committed to third parties through negligence or recklessness;
Civil Liability Practice of Sports – Coverage for cases where you or a member of your family injure or injure another person during a sporting activity. By paying for the treatment of the injured, you may be entitled to reimbursement of expenses;
Employee Civil Liability – Indemnity guarantee for the contractor’s domestic employees in case of accidents they may suffer during working hours;
Loss or Payment of Rent – Insurance helps with rent values and building expenses in cases where the property cannot remain occupied due to accidents such as fires or explosions;
Glass Breakage – Possible breakage of glass that may occur in your home are also included in home insurance.

4 – It has several assistance for your home

Among the 6 reasons to hire home insurance is 24-hour assistance .

It covers, for example, costs for plumbing problems, clogged sinks or a broken key in the front door. In these cases, highly trained professionals, such as plumbers and locksmiths, are sent to the site for assistance.

5 – Options for various types of residences

Residential insurance has several formats and is fully adaptable according to the profile and needs not only of the insured, but mainly of the property. Properties in large urban centers, for example, are subject to specific risks, unlike properties located in rural or isolated areas.

6 – Travel safety

So don’t waste time. During this period when you will probably be traveling with your family, don’t compromise your peace of mind and don’t run the risk of having your vacation interrupted by any unforeseen event. If you still don’t have it, hire your home insurance now and be safe to travel.

Business Insurance

Online insurance: after all, is it possible to get insurance via the internet?

Published

2 years ago

September 10, 2022

Sunny Wars

Today, more and more people pay bills, stock up on supplies, buy items of clothing, schedule medical appointments and much more via the internet. In this vast digital universe, the possibility of taking out insurance online appears as one of the facilities that help to balance the numerous daily tasks. However, to acquire a coverage tailored to your needs, some factors must be taken into consideration.

To clarify the myths that naturally surround digital services and understand how to acquire an ideal insurance policy, follow this post!

How to buy insurance online?

Most brokers allow you to buy insurance online. Contact is made through the website itself and, by correctly filling out a detailed questionnaire, the client provides the information for the brokerage firm to proceed with the quotations .

It is worth emphasizing the importance of not omitting information, under the risk of contracting a useless service or losing out in the absence of any coverage.

The imprecision of the information makes the customer buy a product that does not suit their needs, leading them to pay more for poorly dimensioned coverage or to get frustrated when they need to use the insurance due to a breakdown or accident.

Thus, after the correct filling, the insurance prices will be calculated online in a comparative way or the broker will send by e-mail a proposal with the insurance companies that meet your needs and their respective values.

By knowing all the conditions, the customer will be able to choose the one that offers the best cost-benefit.

Upon agreement, the customer chooses the best payment method (automatic debit, credit card or bank slip), signs the contract and forwards it to the broker. In a few days you will receive the policy by email and also to the respective address.

This entire transaction is carried out in a few minutes — discounting the time spent carefully reading the policy conditions , so that the conditions of coverage, deductibles and shortages are properly clear.

What are the main advantages?

Among the advantages of purchasing insurance online, we highlight the benefits for those who have a busy life and need to resolve important issues, quickly and practically, but without sacrificing the quality of the contracted service. Understand:

Convenience

Access to the insurance broker’s website can be made at the most convenient time for the customer, without being restricted to business hours.

In it, it is possible to compare the pros and cons of different plans offered by different insurance companies and choose the one with the best cost-benefit.

Ease

There is no need to travel to the company’s office or wait for the broker to call. To purchase insurance online, simply fill in the form referring to the coverage of interest and choose from the service options indicated by the system. The best brokers offer support through many service channels, chat and exclusive content, useful to define the best choice.

Safety

The contracting of services over the internet has software that guarantees the confidentiality of customer data.

In addition, payment by credit card has all the necessary security. However, in digital times, having a good antivirus installed on your computer and ensuring your own digital security is also an essential measure.

What to consider before hiring?

Before choosing a broker, compare the variety and quality of insurers the company works with.

The more coverage and support services available in the portfolio, the more suitable the product choice will be. Also rate:

Reliability of insurers

Consult the website of the Superintendence of Private Insurance (SUSEP) to verify if the companies are legal.

Good insurance brokers only offer products from reputable insurance companies in providing services to their customers.

Either way, it’s important to research the histories of consumer rights websites, to assess how companies usually handle problems and support customers.

Whenever possible, choose leading companies or companies linked to market leaders, which have extensive experience and a vast customer base.

reliable indications

Talk to relatives, friends and trusted people who have already taken out insurance online. Check the morale of the brokers chosen by them on their social networks, through the comments and ratings made by customers.

Sites that feature customer testimonials about the quality of insurance and assistance services are also a good source of research.

Simple and functional platform

Choose a broker that has a simple, light and efficient navigation platform, in which the products are divided between those for individuals and those for companies.

A responsive website is also important as it makes it easy to access anytime and anywhere, allowing the user to have the same smartphone browsing experience.

Broad and easy support

The variety of communication channels (with chat, email, telephone, messaging applications, etc.) is also important, if the customer wants to clarify any doubts directly with an expert.

After all, a broker can sell its plans online without giving up traditional services.

At the same time, contacting a team of professionals that offers support and guidance for the client to make the most of the benefits of the insurance contracted makes all the difference.

This is because, often, the lack of support and clear information prevents customers from enjoying the benefits to which they are entitled.