Home Fire Insurance: Recommendations, Types and Tips for Choosing It!

Fires in homes certainly provide a large amount of material loss. Furnishings, electronics and the house itself were burned to the ground. Even though the possibility of a house experiencing a fire is very small, it’s a good idea to protect your home with a good choice of home fire insurance products. Let’s see a complete discussion of the best home insurance in this article!

Get to know Home Fire Insurance

Home fire insurance is a type of insurance that will pay compensation and costs for damage to homes and property insured as a result of a fire.

Insurance services usually cover small and large fire events that occur at an unwanted place and time and are destructive and detrimental.

In addition to covering compensation and the cost of damage to buildings, you can also get compensation for the property in it which is included in the insurance policy.

If the house that is covered is consumed by fire, then you as the insured can also get temporary accommodation dependents while the house is repaired accommodation.

In addition, home fire insurance will also compensate for the death of the insured to the property of the household assistant.

Types of Protection from Home Fire Insurance

House fires can occur due to many causes, including flames, lightning and thunder strikes, explosions, and even plane crashes.

Well, the existence of fire insurance will be very helpful when the disaster occurs.

Fire insurance will also cover losses for fires that occur due to personal carelessness or the intentional and unintentional nature of other parties.

In addition to coverage for the risks described previously, home fire insurance also extends its protection against a number of risks as follows:

Riots and chaos;
Terrorism and sabotage;
Collisions on buildings due to being hit by a motor vehicle;
Damage to plumbing systems and household water equipment;
Demolition by force and force both into and out of the building;
Bencana Alam;
etc

9 Best Home Insurance in Indonesia

Here are some of our selected best home insurance product recommendations:

1. Allianz Utama Indonesia Insurance

Of course, all of you already know about Allianz with the various trusted insurance products they provide. Now for homes, you can use RumahKu Plus Houseowner insurance.

The protection provided is as follows:

Buildings (walls, roofs, floors, garages and fences)
Electronic equipment
furniture

2. AXA Insurance

AXA also has a good and reliable home fire insurance option, namely AXA SmartHome. The main advantage of this type of insurance is that the insurance company will find a temporary place to stay until AXA reimburses the accommodation costs.

The protection provided is as follows:

Building
Household furniture

3. BCA General Insurance

BCA claims that the premium cost for their fire insurance product is cheaper than other insurance products. Another advantage is the fast disbursement process without a survey (terms and conditions apply).

The protection provided is as follows:

4. Sinarmas Insurance

Simas’ fire insurance product is Simas Rumah Hemat. The protection provided is very complete when compared to other home insurance products.

The protection provided is as follows:

Temporary housing costs
Cost of treatment
Building compensation costs

From the advantages above, you have to research again carefully what the terms and conditions are!

5. Adira Insurance

There is no need to question the reputation and quality of the insurance provided by Adira. Adira has an insurance product called Residential Insurance. You can choose between the 2 packages provided, namely the maximum and standard packages. The difference is how much risk is borne.

6. Chubb Sharia Insurance

If you want to get a sharia home insurance product, then we recommend choosing Chubb. There are 3 types of home insurance, namely fire insurance, earthquake insurance and property insurance. The coverage provided by Chubb insurance covers building, furniture loss and much more .

7. Etiqa Flexas

Flexas products from Etiqa protect homes from the risk of fire, lightning strikes, explosions, falling airplanes and smoke. The benefits provided are also very complete such as the cost of cleaning debris, building costs and much more. Premium fees are also very cheap starting from IDR 350 thousand per year!

8. BRINS Property Insurance

BRINS or better known as BRI Insurance can also be your choice when looking for property insurance.

There are 3 product options that you can choose from, namely the Bronze, Silver, Gold and Premium packages.

Some of the benefits that you can get are dependents for the risk of PSAKI (fire), death benefits and coverage for hospitalization costs.

9. Abda

For home insurance, you can also entrust Abda Insurance. Guarantees maximum protection for the house which includes damage to the building and the items in it. The type of protection provided by All Risk covers losses due to natural disasters, damage, robbery, and terrorism.

Tips for Choosing Home Insurance

Understanding Police Content

An insurance policy contains all agreements regarding rights and obligations between you and the insurance company. So, it is important to read in detail every article in the policy. The most crucial part lies in the overview which contains the insured’s personal data, complete data of the policyholder, the sum insured, the scope of coverage, insurance period, additional costs, and premiums.

Claim Procedure

To apply for reimbursement, you must go through a claim process. Each insurance company has its own claim process. Make sure the procedure is clear and structured. Generally, claims are made by filling out an application form. If eligible, the form will get approval. However, if you do not meet the criteria, you will have to re-submit the application.

Choose Products According to Needs

Each company offers a variety of different home insurance products. There are companies that only provide protection from fire, there are only natural disasters. In addition to product facilities, you must also pay attention to compensation.

Compare Premiums and Sum Insured

Premium is the amount of mandatory monthly deposit from the insured. While the insured value is the nominal amount of money that will be received after the claim submission is approved. When choosing home insurance, make sure the amount of coverage you get is in accordance with the premium paid.

The Importance of Having Home Fire Insurance

Fire is a disaster that comes very suddenly and is very difficult to anticipate in advance.

This disaster can not only score the building, but also the property and securities in it. Especially when you are far from home during a fire, your possessions and valuable papers may not be saved.

Well, by having fire insurance, the financial losses you experience can be minimized because they are covered by the insurance company. That’s why fire insurance is a necessity that must be owned by all people.

In fact, fire insurance is also very beneficial for entrepreneurs because it can insure all losses related to their business.

If you are interested in buying a home fire insurance product, don’t forget to study the offers, benefits, and policies. The reason is, the coverage of a home fire insurance policy can be different for each insurance provider.

By carefully studying the coverages and exclusions of home fire insurance, you will get the best and most suitable home protection for your needs.

Don’t forget to keep following this blog so you don’t miss other interesting articles only at risdosagalavsjilong.blogspot.com.