There are many insurance options that you can get from insurance companies. Insurance companies that developed in Indonesia were also very fast. One insurance that is currently in great demand is demolition insurance. Some of us may be confused with this insurance. Many are confused by the name of this insurance.
Actually this insurance is an extension of fire insurance. Because of its history from fire insurance, those of you who want to get this type of insurance must have property and buildings that have been guaranteed with fire insurance . Not all insurance companies offer this type of insurance. You need to know in advance what insurance will be guaranteed.
This insurance will be able to guarantee all your household equipment, electronic equipment such as computers, radio, television, and special equipment such as furniture and musical instruments. The property that you want to insure must be equipped with detailed information such as manufacture, purchase price, type, year, number of units and so on.
Details of the amount of goods you want to insure are very important because later on when you will claim your goods, you will be easier to file a claim because the amount and other information is clear. Then what risks will be guaranteed by this insurance? You will get the information below.
Guaranteed and Unsecured Risks
If you choose to use demolition insurance there will be some risks that will be guaranteed by this insurance and some things that will not be guaranteed by this risk. Guaranteed risks are items or property lost due to theft, acts of violence, coercion and destruction of buildings. In addition to goods, the building will also be guaranteed by this insurance. Then what risks are not guaranteed? Risks that are not guaranteed by this insurance are loss or damage to goods due to intentions to damage the property.
You can also insure your securities such as stocks, banknotes, securities, coins or so on. In addition to knowing the risks that will be guaranteed and not guaranteed by this insurance, you need to know who needs this insurance and whether you are in the category of people who need this insurance or not.
Determinants of Guarantee Amount and Who Needs Insurance
You who don't know about this insurance usually feel you don't need this insurance. Actually, who needs this insurance? Those who need insurance are individuals or companies who want to protect property and buildings from damage caused by theft, damage or other things.
Usually those who use this insurance are business owners, factory owners, kiosk owners or other businesses. The amount of guarantee offered to you is usually different. You will get compensation that is different from other people. What affects the amount of compensation provided by the insurance company? Insurance companies will usually consider the location of the building, the condition of the building, the use of buildings, the state of the environment, robbery, demolition that previously happened and so on.
The value and property insured will also affect the amount of collateral that you will get from the insurance company. You can also get different insurance and different offers at several insurance companies. Make sure you choose a truly trusted insurance company and can provide compensation quickly. This will greatly benefit you. Now you can determine whether you need demolition insurance or not.