{"id":174,"date":"2013-09-23T06:58:00","date_gmt":"2013-09-23T06:58:00","guid":{"rendered":"https:\/\/www.indwe.co.za\/indwe-blog\/2013\/09\/23\/home-insurance-five-basic-facts\/"},"modified":"2017-03-13T09:33:57","modified_gmt":"2017-03-13T09:33:57","slug":"home-insurance-five-basic-facts","status":"publish","type":"post","link":"https:\/\/www.indwe.co.za\/indwe-blog\/home-insurance-five-basic-facts\/","title":{"rendered":"Home Insurance: Five Basic Facts"},"content":{"rendered":"
\n

\"image\"<\/p>\n

Home insurance is not required by law, but it is one of the most important things to have.<\/p>\n

<\/p>\n<\/div>\n

Your home is your biggest investment (even if you rent) and you probably pay more each month on that than on anything else.<\/p>\n

1. Renters need coverage too<\/strong><\/p>\n

If you rent, there is no coverage at all for your personal property unless you take out an insurance policy. That could mean losing everything with no compensation.<\/p>\n

\u00a02. You\u2019re covered away from home<\/strong><\/p>\n

Your home contents policy covers your personal property everywhere you go, so if you get robbed on vacation, you are still covered.\u00a0 Before you go on holiday, check with your insurer that you have the right cover for items you take with you on holiday such as clothes, camping gear and sports goods.<\/p>\n

\u00a03. Home insurance includes liability coverage<\/strong><\/p>\n

This is one of the most important things to have in today\u2019s litigious society. It will protect you if you find yourself facing a negligence lawsuit.\u00a0 Your home insurance cover can also give you access to legal advice so you can speak to a qualified lawyer when required.<\/p>\n

4. Your lender requires it<\/strong><\/p>\n

Although it\u2019s not legally required (like auto insurance), your lender will require you to protect the home they have invested in with a home insurance policy. If you don\u2019t, they\u2019ll obtain one for you \u2013 which could cost more than if you had taken one out through your insurer.<\/p>\n

5. Home insurance is based on reconstruction cost, not market value<\/strong><\/p>\n

You don\u2019t pay insurance on the market value of your home, because that value includes the land that your home is on which will not need to be included in the cost to rebuild your home.<\/p>\n

Do you have the right cover for your home and household goods?\u00a0 We pride ourselves on the professional advice we provide to our clients.\u00a0 Speak to Indwe Risk Services today or visit www.indwerisk.co.za<\/a> for more information.<\/p>\n","protected":false},"excerpt":{"rendered":"

Home insurance is not required by law, but it is one of the most important things to have. Your home is your biggest investment (even if you rent) and you probably pay more each month on that than on anything else. 1. Renters need coverage too If you rent, there is no coverage at all […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[12],"tags":[5],"class_list":["post-174","post","type-post","status-publish","format-standard","hentry","category-household","tag-household"],"yoast_head":"\nHome Insurance: Five Basic Facts -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.indwe.co.za\/indwe-blog\/home-insurance-five-basic-facts\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home Insurance: Five Basic Facts -\" \/>\n<meta property=\"og:description\" content=\"Home insurance is not required by law, but it is one of the most important things to have. 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