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Maybe you have spent years building a perfect home - a home with all the facilities to help you and your family to live a comfortable life. But it would be thoughtless if after achieving this to keep your home open to unforeseen disasters such as fire, robbery etc. Like everything we treasure we should take steps to ensure such items are kept safe and secure and if lurking dangers do come into play, at least you can fall back on earlier security measures taken. A good home insurance cover will give you this type of security. If you already have a house insurance policy to safeguard your house from natural and other perils, getting home insurance cover is the next best thing you can do. Such insurance cover would cover valuables such as jewelry, watches, cameras etc. Household appliances such as washing machine, refrigerator, air conditioners etc. can also be covered under home insurance, a good protection against fire, breakdown, or other natural calamities. A special terrorism insurance cover would protect your home and its contents if they were subjected to acts of terrorism. In spite hearing and reading about how useful it is to have insurance coverage for your home and its contents, you might still have doubts about buying such insurance. After all insurance involves spending money and you may feel that if no disasters have befallen in the past, you would enjoy the same safety in the future. But that would be a short-sighted approach. Getting cover for your home and its contents could cost as little Rs.300 per year; a small investment covering you for disasters affecting your home and its contents. Any new items purchased for the house would also be covered up to 10% of the total insured amount which translates into free additional cover. Also covered under such a policy would be important documents, passport, title deeds etc. If you have laborers working in the house and any accident takes place, the policy would provide compensation for such laborers or their family members. Domestic staff is also covered under such a policy. Besides not having to spend a bomb on buying insurance cover for your house and its contents, the actual purchase of a home insurance policy is not a difficult process. You can approach any general insurance company offering home insurance or buy the policy online from your own comfort. Before purchasing compare and select which insurance plan suits you best. One of the good policies being offered is the Smart Plan Householder’s Policy. This Policy can be customized to suit your requirements. As the name says – you should Smart Plan your way into insuring against any disastrous situation and not get totally wiped out. Kirti Saxena is a web enthusiast and a writer. She is an independent writer writing for different areas including travel and tourism, entertainments, insurance and banking and numerous other sectors. For more information visit: Home Insurance Cover and House Insurance.
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