These 7 Items Should Be Insured in Every Home

A common dream shared by almost everyone is owning a house of your own, a place one refers to as their ‘safe-haven’, a place filled with love and memories which one cherishes for a lifetime. Planning your dream home and the amount of money that will go into it as an investment is very important, especially if you are about to start a family of your own. But have you ever thought of the darker side of such an investment? You wouldn’t have to, given that you know the importance of insurance.

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What good is a safe investment if you don’t protect the property you just invested in? However, getting home insurance is not enough. We often forget to protect the items which make up our safe haven and only resort to settling for a home insurance which often does not cover the goods inside our household. This can have a negative outcome and we can end up losing precious assets that we cherish. Always remember to read the insurance policy carefully before buying one. For information regarding home insurance policies which also cover injuries to people in your home, you can check out lemonade. In case your home insurance does not cover household goods, here is a list of 7 items that you should get insured in every home:

The TV

You obviously had to spend a lump sum amount to get a nice TV. A sudden surge in the power supply can put an end to it and you probably won’t want to get a new one if insurance can save you from all the hassle.

The air conditioner

Imagine living in a house which feels like an oven during summer time. Pretty underwhelming, right? Now imagine living in the same place, but with the air conditioner switched on! Yes, that’s the importance of an AC in today’s world. Obviously you’ll want to invest in one and make sure you also get it insured because air conditioners have a bad history of breaking down unexpectedly.

The refrigerator

There’s no way that you can live without a refrigerator. It not only keeps all the edible items in your house fresh but also acts as a storehouse for all your beer cans and milk! Getting your refrigerator insured is very important because most home insurance policies won’t cover electrical items and a separate insurance will cover any damage which is caused by a circuit default.

All things shiny

If you love gold, pearls, and diamonds, you would definitely not want to lose them. Nonetheless, your precious assets can cost a fortune if you ever lose them to theft or something else. Getting your valuables and jewelry insured will give you some peace of mind.

The engagement ring

Besides other pieces of jewelry that you have, your engagement ring is probably the most precious one you own and you definitely don’t want anything to happen to it. The good thing is this can be easily avoided if you get it insured as soon as you buy it. In case of theft the insurance company will replace your ring in no time, given that you adhere to all the terms and conditions.

The car

No one likes to face the hassle of public transport while traveling so if you can afford a car, why not get it insured? Insuring your car, bike, etc. will help in the long run because the insurance company will cover for damages caused to your vehicle in case of accidents or theft.

Your laptop / PC

Just like other electronic gadgets, getting your laptop/PC insured is equally important. Laptops and PCs are fragile gadgets that can get damaged easily and having to replace them frequently is the kind of hassle everyone wants to avoid. Insurance for electronic items can be tricky so make sure you read the terms and policies carefully before settling for one.

Getting proper insurance coverage in this day and age is no big deal. In fact, companies have come up with innovative ways to benefit the customer. A proper insurance policy will cover your property and personal possessions, refund in case of damage, mechanical faults for electronic items, and much more.

Published in: Home advice | Author: Shubham