The reason someone against the property insurance is due to doubt the advantages that would accrue. In fact, the House is the residence of course need protection the risks in case of unwanted things such as floods or fires. Moreover, you are living in flood-prone areas or areas that are solid enough population then the insurance protection of property will bear some of the risk in accordance with the agreed insured value. Insurance will replace the loss losses suffered in accordance with the agreed policy. If you are interested in property insurance, here are some tips that you can use in selecting a property insurance:
1. View Reputation
Corporate reputation is an important part of insurance products. Do not let you select the insurance product from a company that illegally and had a bad reputation in the claim. Select companies listed on the AAUI (General Insurance Association of Indonesia) and Bapepam-LK (capital market Supervisory Agency and financial institution). You can also ask for recommendations from family or friends-friends who have property insurance company whose reputation is good.
2. Customize Your Needs
You need to adjust your requirements with policy you take. You can just take the most comprehensive insurance policies with an expensive policy but should you need to adjust your policy with the need to save the annual fee paid. For example, you do not need to select the flood protection in a home located in the Highlands, or you do not need to select a landslide protection when you are in the lowlands. Adjustments to your needs with insurance products that are taken will save you the cost of your policy.
3. Compare Products
Insurance companies issuing a wide range of insurance products with different features and benefits. You need to compare the entire products from different companies to get the most suitable insurance needs with low-cost policy.
4. Learn Policy
The policy is an agreement between you and an insurance company. You are obliged to understand any points from the written policy in the policy. If there are still points in the policy is not understood, You need to ask to clear so that is not the case of misunderstanding in the future.
5. Ask The Procedure
Things are always important in insurance is, you need to understand the claims procedure in the event of unwanted things. Ask your agent to explain the claims procedure so that you can immediately do a claim in case of unwanted things in accordance with the agreed policy.
With a wide range of benefits and advantages offered from property insurance. You need to consider the property insurance products to protect valuable property assets such as a house or a warehouse from a variety of risks that can happen anytime.
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