Business to Insurances

Have you ever imagined , homes are purchased with difficulty , installment in the long term , and beloved family shelter , vanish by fire , earthquake , or landslide ? Indeed , the various risks can be minimized by insuring the house .

Unfortunately , the opportunity to manage this risk is not well understood by most people . Understanding of insurance lead just after the disaster or forced because banks require no insurance if the customer takes credit (mortgage ) from a bank .

When applying for the mortgage , the bank is asking customers to pay insurance losses . This is done so that , when the house is on fire or other disaster , the bank can still sum of insurance so that its assets do not disappear . It is a way of protecting bank assets.

Unfortunately , according to the President Director of PT Mandiri AXA General Insurance EP Chopsticks , after the mortgage loan is paid off , which means that there is no liability insurance , the insurance was no longer continue his house . Society still consider home insurance as a burden , rather than as an attempt to mitigate the risks .

People assume the financial burden the family home insurance , home insurance is relatively inexpensive when compared to family income . Home insurance premiums are calculated based on per mile ( per 1,000 ) of the sum insured . Compare with car insurance premiums are calculated based on percent .

" So , should every person can insure his house , " said Chopsticks .

Chopsticks example , for homes in the elite Menteng , Jakarta , with a building area of ​​600 square meters , which cost so many billions of dollars, the losses the insurance premium is only about Rp 300,000 per year . Compared with their incomes living in the region , which may reach hundreds of millions of rupiah per month aka billions of dollars per year .

" However , in the elite was , very few people have awareness insure his house , " said Chopsticks .

Besides ignorance , that home insurance premiums are actually very cheap , lack of public awareness is also due to the absence of an obligation to replace the neighboring homes become victims because our house burned .

" This type of insurance is called third party liabilities or obligations to a third party . If this is required , home insurance will bloom , " said Chopsticks .

Meanwhile , Head of Underwriting Manager Allianz Nuke Suryowati god said , everyone can and should protect his losses by buying insurance .

" As long as the house is accessible fire trucks , owners can insure , " said Nuke .

For basic protection , ie for residential fire insurance , the premiums of the company amounted to 0.058 per cent , or 0.58 per mile . While the buildings sum insured of Rp 3 million - Rp 5 million per square meter . So , for example, a house measuring 70 square meters with a sum insured of Rp 3 million - Rp 5 million per meter , this means that the premium to be paid per year between Rp 121,800 to Rp 203,000 .

It must be remembered , only insurance companies bear the risk of loss or that occurred in the building . The Rp 3 million to Rp 5 million per square meter is the average price of building in Jakarta .

In addition to basic insurance ( fire ) , insurance companies also offer more comprehensive protection , such as protection against flood , earthquake , theft , third party accidents in the house , terrorism , and a tornado .

For a more complete insurance like this , according to Nuke , the premium rate set at 0.1295 percent, or 1,295 per mile . So , hares premiums paid for the house of 70 square meters with a total coverage of Rp 3 million - USD 5 million between Rp 271,950 and Rp 453,250 per year .

Aside from protecting buildings , insurance companies also offer protection against the house . Usually the insured are high-value goods , such as piano , air conditioning , and television .

" In fact , there are insuring a spoon because it is expensive , " said Nuke .

People whose homes were insured , according Supit , usually also insuring antiques or expensive painting has. If insuring the contents of the house , buyers should write down in detail the type of goods , brands and prices of goods are insured . Such as a fire , the insurance company can check what the burning bench . Better detail and fuss in front instead of a dispute in the future .

Other facilities offered insurance companies , among others , the maximum reimbursement of Rp 25 million to stay in a hotel or contracted when the house burned down or flooded . If the abandoned house displaced residents who turned out to be dismantled people , insurance companies still would bear the losses due to theft .

So , are you prepared for the court to set aside a little money and your peace ?

( Joice Tauris SANTI / M DAWN MARTA )