Business to Insurances

Currently , although considered favorable insurance , financial planners and insurance agents agreed that not all properties can be insured . Rules set by the insurance company is different , so you should carefully staring at the sound of each clause of the insurance policy .

Here are some important things to consider:

home appraisal

When we ask for home insurance , the insurance company will conduct a survey . At least , there are four things that a assessment . First , construction . The construction will be divided into several levels . The first level of the house with the construction of buildings made of concrete , iron , and steel .

Meanwhile , the level at which it is to load the timber construction house in it . The higher the risk of damage , the more expensive the premiums . Second , the location . Site assessment here is not related to the price , but with regard to the potential risks that may occur . For example , the risk of flooding and landslides .

Third , building height . For buildings up to nine storeys high , the premium amount is still the same .

" Difference in rate for nine storeys high with nothing on it about 0.2 % . Higher the more expensive," said Accounts Officer of PT Between Intermediary Indonesia , Pangestu Prasetia Pangky .

Fourth , the environment . For this one criterion , insurance companies assess the surrounding environment of the home to be insured . They will look at the level of density. The more solid , of the potential risk is greater .

Goods are excluded

Building contents insurance can not be separated from the home insurance . Only , in this type of insurance , the assessment focused on the contents of the house itself .

So , what are the contents of the can and a decent insured ?

Apparently, not all goods can be insured . Some items are excluded to calculate the home insurance claims and building contents , ie platinum , gold , silver , jewelery , paintings , art objects , and a fur coat . Items , such as letters of agreement and deed of sale, bonds , bills of exchange , promissory notes , cash checks , coins , motor vehicles , pets, manuscripts , and office documents are also in the category that can not be claimed .

" You see , condition of goods can be claimed is to have an objective market value , " says financial planner from MoneynLove Financial Planning and Consulting , Harsanto banner .

While according Pangky , although excluded , no insurance company can still receive a claim for loss of these items . However , the value of the claim limited to no more than 5 % of the total insured value of the building contents .

Take for example , the total value of contents insured Rp 100 million building and painting you bought for Rp 10 million damaged by fire . Thus , the maximum coverage for painting only Rp 5 million .

Meanwhile , according to financial planners PT Zapfindo Arzieta Prime , Pritchard Hapsari Ghozie , insurance can indeed be made for items that are excluded . However , premiums are much larger than the one entered into with the other contents of the building .

Financial planners Zapfindo Arzieta PT Prime , Pritchard Hapsari Ghozie , suggests , you only need to enter the items is important and will likely provide significant losses if broken . This matter would require the wisdom of each family .

List of goods

After sorting out which goods will be insured and approved by the insurance company , you should make a list of the items are insured . It aims to make a claim when there will be no difference in the perception of the contents of the building are eligible to be claimed .

Regarding the scale simulations house and contents insurance premiums buildings and vehicle insurance , you can listen Pangky calculations . However , in addition to the premiums , financial planners warned you look at a variety of facilities on offer and the ease of making a claim . Well , your job now is to compare more products again so have many options .

Congratulations to compare ! ( Anastasia Wax Y )