Thursday, July 25, 2019

What should I understand before taking car insurance?

Insurance is there because everyone feels the need for guarantees on what it worries. Therefore, the insurance is present to adapt to the needs, ranging from health insurance, soul, to the car. Unfortunately, there is still confusion when trying to take car insurance.

Anyone is not at all expecting bad events to befall them. However, who can guess what happens later after today. It could be good luck coming up. It can also be bad luck, but obviously unwanted. The question arises, what this can be avoided, at least reduce the risk?

This is where insurance gives the answer to the question, especially for those who are in case of accidents or anything else happening while driving. Then it offers car insurance with various advantages by insurance companies.


The interest is also arguably not least. This is reflected in the positive growth of insurance every year. Unfortunately, there is still nothing to know about the things that need to be known from car insurance. To do this, this review will present things that must be understood before taking car insurance.

1. Desired protection

Asuransi Comprehensive dan TLO

Car insurance is differentiated into two according to its protective scope. Both car insurance, namely comprehensive insurance and Total Loss Only (TLO). The difference is that comprehensive insurance will pay claims for all kinds of damages, ranging from minor damage, weight, to loss.

While TLO insurance will pay claims for damages of more than 75% on the car. Because of the coverage, obviously the comprehensive insurance premium is more expensive than TLO insurance.

How the insurance company determines its damage, especially those listed in TLO insurance, depends on the survey conducted. If in accordance with the terms, the claim will be accepted. Otherwise, the claim will be rejected.

2. Insured Vehicle Age

Asuransi Mobil All Risk

How many years the vehicle is owned must be considered. The driving age will affect the premiums paid. There is a condition if the car to be insured aged over 5 years, will be charged an additional premium fee called loading fee.

The loading fee is generally about 5% per year. So, the older the age, the greater the loading fee. However, there is a maximum age limit, such as 10-year comprehensive insurance and a minimum of 15 years of TLO.

Suppose insured car was 7 years old when bought at RP120 million. Let's just say that the car is B-plated and the insurance that is taken is comprehensive then the upper rate limit is about 3.59%. From that data, what is the premiums paid?

Pure Premium calculated formula with loading fee:

((Difference in vehicle year x Loading fee x Premium tariff per region) + Premium tariff per region) x car Price

Pure Premium + Loading fee: ((2 x 5% x 3.59%) + 3.59%) X Rp 120.000.000 = Rp 4.738.800

The premiums have not been added to the administration fee which is usually less than Rp 50.000.

3. Reputation of insurance Company

There are approximately 25 insurance companies offering car insurance in Indonesia. Of the many insurance companies, there are distinguishing one company with other companies. Whether in terms of service, premiums are offered, until the reputation of the insurance company itself.

To see how far the reputation of an insurance company is, there are a number of assessments to use. For example, assessing according to Risk Based Capital (RBC), liquidity ratios, collateral funds to protect insurance customers, investment/technical reserves plus debt claims, fixed assets, changes in gross premium, net premium income, net investment income, ratio NET claim load, up to profit ratio.

Navigate seemed complicated indeed. More easily as long as the insurance company is listed on the Indonesian General Insurance Association (AAUI) and the Financial Services Authority (OJK), this can be a sign of an insurance company has a good reputation. Furthermore, many branches are owned. Then the number of customers and awards received.

4. Benefits given

Usually insurance companies offer car insurance with some advantages that customers will receive. Not the same profit given insurance companies that one with other insurance companies. At least all insurance companies will equally benefit without surveys to customers.

Outside of that some insurance companies give another advantage, namely the issuance of police and work orders (SPK) 1 x 24 hours after the requirements are met, free crane facilities, free ambulance service, car replacement, and free emergency services. Choose insurance with many advantages, but still consider the reputation of the company and its premiums.

5. Workshops that become associates

For the owner of the vehicle, especially the car, maintenance (maintenance) or repair repairs carried out the workshop so the main thing. Therefore, the owner of the vehicle is very selective in choosing a workshop. Many workshops, but about performance and service have their own classes.

If you've got a workshop, find out if the workshop is already working with an insurance company or not. Your preferred workshop gratitude becomes the workshop of an insurance company that enters your chosen list. Otherwise, you need to consider a workshop partner working with an insurance company.

Also consider the number of workshops that are partners of insurance companies. The large number of workshops gives you a lot of options to repair your car. Choose a workshop referring to the track record of the workshop, the length of repair the workshop, the guarantee of the workshop, and spare parts that are sold guaranteed originality.

6. Additional protection offered

In automobile insurance, the term is known as an additional protection from risks not included in car insurance liabilities. Including the expansion into the insurance will incur additional charges on premiums paid. Insurance customers are free to choose what expansion to put into the insurance policy.

Types of expansion of automobile insurance that can be chosen include floods (including hurricanes), earthquakes, tsunamis, riots and riots (SRCC), legal responsibility to third parties, personal accidents to passengers, legal responsibility to passengers , as well as terrorism and sabotage.

7. Risk conditions incurred

Notwithstanding the guarantee of damages for damage, whether comprehensive or damage of more than 75% (TLO), there are provisions that govern the risk of what the insurance company is covered for. You can find out easily what are the risks that are not covered by viewing the information online.

8. Know the rights and obligations

Hak dan Kewajiban Nasabah Asuransi

Speaking of rights and obligations, you can find out from the 6 fundamental principles of insurance. The six basic principles of insurance, including insurable interest (interest to be insured), utmost good faith, indemnity (indemnity), proximate cause (main and effective cause) and subrogation (principle of transfer of rights), and Contribution (jointly insured).

In insurance, insurable interest is understood as the right of an individual or legal entity to object to the also insured that is legal in the eyes of the law. Utmost good faith is briefly interpreted as the disclosure of the prospective insurance customers in giving the facts completely without any hidden to the insurance company.

While indemnity is a mechanism that regulates indemnification by insurance companies to insurance customers. The proximate cause is in short the main cause of the incident which then unravages the consequences of an outside influence.

Subrogation can be concluded because the insurance company has granted customer claims then the demands/lawsuit to the third party so the business insurance company. Lastly contribution apply if the insured object is insured in two or more insurance companies, the losses are later contributed to all insurance companies comparable to their respective responsibilities.

Know and understand not to be mistaken

Because it concerns the money deposited as a premium in the future, taking the insurance should be strictly based on the correct and thorough understanding. Not a little disappointed with the insurance that was taken due to other expected. For that, it is important to know and understand not to be mistaken.

Monday, July 22, 2019

Things to note in car insurance All Risk

There are 2 types of car insurance products that need to be understood by the customer, namely all risk car insurance and Total Loss Only (TLO). The difference lies in the protection provided, where all risk insurance provides comprehensive protection against all vehicle risks (unless there is an exception). This is what makes people prefer all risk products for vehicle insurance in particular that is still new (vehicle age under 5 years), although in a premium, the cost of all risk is far above the insurance TLO. While TLO insurance itself only protects the vehicle in case of total damage (cost more than 75%) or loss.
Image result for Things to note in car insurance All Risk


Given the relatively large cost, so before taking this all risk product, prospective customers should actually understand the product so as not to be disappointed or misperception that could cause losses in the future.

Some of the following things need to be considered before taking an all risk insurance product, given the frequent misunderstand that leads to disappointment:

Adjusting to needs, does it take All risk or just TLO?

Car protection needs can be seen from crime rates or other levels of risk such as the traffic density where you live or travel often with the car. If you have no definite data, you can check on the Internet or other media. If the living environment is not too dense and minimal risk of accidents either mild or heavy then the TLO products match you take.

However if living in an area that traffic is dense, then the vehicle risk of accidents occur, minimal scratches are quite large. One stroke alone takes at least 500 thousand-1 million if it goes to body painting. If this condition is the case, then the ALL risk product suits you take. Another example is that housing is often affected by flooding, then all risk insurance is selected must have an expansion of the guarantee against flooding.


Before filing all risk insurance for your car, do the following first:
Image result for Things to note in car insurance All Risk

1. Check your budget, is it possible to charge insurance premium ALL risk?

Because it protects all risks, the premium cost for insurance type all risk is more expensive than car insurance type TLO. Premium Payment car is usually once a year, for new car output with a price of 200 millions usually need a premium of 3 million per year. Well, check the budget and adjust it with financial budget. Vehicle protection includes important conditions because moving assets are usually risk-prone. So, if you are ready to buy a car, you must prepare more funds to buy all risk insurance.

2. Compare products and choose the best and reliable

The amount of premium costs is indeed one consideration, but it is worth considering also the benefits gained and the reputation of the insurance company that you will take. This reputation is important because it will affect the claims process later. It could be a little expensive premium but the ease of claim process and network of car repair shop is much more. This of course becomes an important consideration in addition to the premium costs.

With many comparing products and seeing the reputation of the airline's insurance will be easier to get the right product at an insurance company that has a good reputation. Moreover, nowadays comparing products and reputation can be easily done through Internet network.

3. Pay attention to company reputation, customer testimonials to avoid disappointment

One way to see the company's reputation is to pay attention to the testimonials of customers who have used the insurance product, especially the problem of claims. Car insurance is identical to the claim process. If the claim is easy, the network is widespread, customers are satisfied then the testimonials will usually also be good. This is what encourages the company to get various awards and plans but surely its reputation will also rise.

In addition to paying attention to some important things before taking the insurance product all risk above, another important thing that is Peruvian understood is the mechanism of claim. In general, the mechanism of claim is relatively easy, if there is a risk of customer staying in call centre or sales contact you and submit a plan for the claim process. Just follow the instructions given.

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Avoid this if you do not want All Risk car insurance denied


For the sake of smoothness and avoiding rejected claims, pay attention to and understand some factors causing the following car insurance claims rejected:

1. Driver does not have a SIM


SIM is the case for drivers. If you don't have a SIM it means the driver is not yet worth driving and it's not automatic to get insurance protection. Incidents are often happening insured car insuring cars for automobile insurance all risk, and apparently the car is used by his child under 17 years, and experiencing the risk of accidents.

For such cases, the most fundamental thing can not be fulfilled ie the driver does not have a SIM will make the car insurance claim is rejected.

2. The SIM has expired

Don't have a SIM and the expired SIM is a three-money alias of the same. Claims with such conditions will also be rejected because according to the traffic regulations each vehicle driver must have a driving licence (SIM), each conducting the insured claim must fill the claim form about the chronological incident.

3. Late at the claim report

One of the bad habits of a vehicle owner is to delay a claim if it encounters a light vehicle risk such as scratch, beret or the other. After wounds on the car body began a lot of new claims. Claims like these are at risk of being rejected due to claim reporting deadline of maximum 5 days.

Generally, as contained in PSAKBI (the standard Motor vehicle insurance policy) any damage in the nature of the car, the policyholders have the obligation to report to the insurance maximum 5 days since the occurrence of damage .

4. Providing false information

For large-value claims, the insurer has its own investigation. Sometimes, in the event of a distorted condition, a potential claim is denied to false information. For example, customers have the risk of driving a heavy accident with damage above 75%, while the ride is his child who does not have a driver's license. In order for the claim to be entered, the vehicle owner created a police report that he was driving during an accident.

When the investigation of the insurance company apparently found the fact that the rider is his child who does not have a driver's license. This condition results in a claim being rejected and damaging your own reputation.

5. Loss of fraud, evasion, anaesthesia, and hypnotist

Cases of loss such as this usually happens in the case of a car borrow by a friend himself and eventually brought to a blur, or some of which happened in the case of car rental but it was brought blurred. If the case is reported to the insurance that the car is carried on the run away by his friend or renter, based on PSAKBI mention that the vehicle in the insured is lost in the same because it is closed by the nearest person or rental carried blurred then claims Car insurance will be rejected, therefore after insuring his car to re-read the writing, policy clauses, and PSAKBI.

6. Goods damaged due to being transported with a vehicle insured not in insurance protection

This risk occurs a lot in the entrepreneurs distribution of goods between cities. For example, you buy a pickup car for a fleet to send merchandise to customers and join the insurance All risk program. In the process of delivery of goods turns out to have a traffic accident that makes pickup cars and transported goods severely damaged. In such cases, the pickup car can claim losses to the insurance, but the goods are transported not participating in the protection.

7. Automobile body damage due to chemical fluid

Chemical fluids include substances that are not protected if they cause damage to the car body. For example, you walk along the toll road with vehicles transporting chemicals. It turned out that the chemicals transported by the vehicle were spilled due to an accident. Chemicals regarding your vehicle and cause damage to the body of the car.

Cases like this can not be claimed because according to the Standard Motor Vehicle insurance Policy (PSAKBI) damage that can be on the cover of insurance is a total or partial damage caused by accident, malicious action, falling objects and Other traffic accidents.

Understand the insurance product terms and benefits

All Risk car insurance provides total protection on vehicles from all sorts of small vehicle damage including vehicle body, broken rear light, vehicle being dragged, stoplamp rupture, major damage caused by natural disasters such as flooding, , terrorism to lost vehicles. This product is very beneficial even with a slightly more expensive priemi. However, it is also necessary to consider some of the above before taking this product to fit the needs and avoid the risk of claims on the decline.

Want to pass a car insurance Survey? Do the following

The strong traffic condition and the risk of high mobility makes the vehicle owner, especially the car often felt it was, either when the vehicle is left at home/workplace/other location or when the vehicle is used. If left afraid of theft and if used afraid of accidents caused by the crowded traffic. It is often disruptive to car owners who live in big cities like in Jakarta.


mencari asuransi mobil

If you have a car especially in Jakarta, the solution to overcome the sense of it is to take the car insurance product so that the risks that are likely to happen to the vehicle and often worry it will be transferred to the insurance company or guarantor agencies.

The cost of accident or risk of loss can make you go bankrupt if you have to pay it from your own bag. Even relatively small losses can be financially disruptive, and some other losses can be threatening at any time. Having car insurance helps protect assets and uses money allocation to achieve other important financial objectives.

Car insurance has two characteristics

There are two options of car insurance products according to the type of protection provided is all risk insurance and total loss only insurance. Of these two characteristics have advantages and disadvantages of each. Depending on the needs. Here's a clearer explanation of the types of protection on car insurance.

1. Car Insurance Characteristics ALL risk (Comprehensive)

All risk (Comprehensive) insurance coverage applies to any incident not excluded by the insurance policy. All the coverage risks, which are also called Hazard coverage, offer much broader protection than the coverage of Total loss only insurance type risk, which only includes a minimum risk of 75% damage in accordance with the policies stated in the policy.

All risk car insurance can protect vehicles from some risks that are not contained in other insurance products. All risks herein are the types of insurance coverage that have been specifically outlined in the policy contract and are not included in the exceptions. Exceptions usually occur in special conditions such as flood coverage, riots, natural disasters or other force majeure conditions.


The principle of all risk insurance protects the vehicle thoroughly except those included in the exclusion clause. If you want to input the proposal, you can add protection of benefits, such as the benefits of claims for melee, force majeur, legal responsibilities of the third party and so on.

2. Total Loss car Insurance characteristics (TLO)


With the increase in fuel prices affecting the cost of owning a car, it is also a good idea to find ways to cut other related operational costs for example car insurance. All vehicle owners should care and ideally have insurance coverage. For those who want to save with simple protection, total loss only insurance can be an alternative option.

Unlike ALL risk, Total loss only insurance (TLO) protects only customer vehicles that are experiencing the risk of total loss or damage incurred above 75%. Also understand some conditions that are in the exclusion category can not claim such as fraud and evasion.

In this case it is also important to note the Vallet parking case. Parking of this type is widely offered in shopping malls or hotels in major cities, where the vehicle owner deliberately entrust the vehicle to the Vallet parking manager. If there is risk of loss, then the category of deliberate that can not be claimed either in insurance products All risk or TLO.

Buying insurance can be done Online, make sure this benefit

In the era of such sophisticated technology, not only shopping goods are online, buying insurance products can also be done through the Internet network. The online system in addition to the risk of fraud and so on, also gives ease of comparing products and see the reputation of the company that sells insurance products.

Before buying an insurance product online make sure the insurance company has an official license as an insurance broker and compare what are the advantages of buying such online car insurance. In addition, because the bank's financial services industry, non-bank, insurance under the supervision of OJK (Financial Services Authority), make sure also that the insurance product you want to buy is in the supervision and permission of the OJK. The following Tips can be considered:

1. Don't be tempted Promo, tailor products purchased with special needs regarding fares or premium charges

Check the annual rate. Check and compare with prices from other companies to make sure you get the best price deal. Many insurance companies offer services online so that you can find an insurance comparison tool easily. Comparison of online insurance products can be an efficient way of cost and time side to find better packages.

2. Find the product "car insurance without surveys"

The approval of claims for the risks that are immediately accepted without conducting a current survey become a unique attraction for insurance customers. Many carriers use a fast and completely unsurveyed Auto Accept policy issuance system. So make sure the product is taken have such features

Practical Tips for car insurance without surveys

One of the excellent services that many insurance customers have targeted is a car insurance product without surveys. Practical and easy and quick to make this service product many insurance customers like. It also provides a sense of security and comfort. Make sure that the car insurance service without the survey also keeps an eye on some of the following important things:

1. It's worth considering Dealer recommendation products

If we are smart to approach dealers, they will recommend the best product for us. Dealers with their experience in the automotive field certainly have sufficient network and knowledge related car insurance products. Make sure that the dealer where you buy the vehicle has a reputation and good experience.

2. Check how many general partner workshops and Authorized workshops

Although you get the ease of insurance products without a survey, but if the Reright workshop is limited, you will experience problems when the claim later. Therefore, note the list of their partners ' workshops, whether the workshop is trustworthy and easy to reach or not.

3. Check company service features, make sure easy to access and complete feature

The service features of this vehicle insurance are important. Don't let the moment you need certain product services it turns out that the company is struggling to provide services because there is no feature or should ask other parts. Especially if you are out of town for example and things happen undesirable, then you will be able to easily report the problem to the insurer where you are.

4. Search for who has Online application features and services

Nowadays the times are sophisticated, so look for products from insurance companies that have online service features and of course without surveys like the reviews above. This makes it very easy for you, for example if your car suddenly crashes on the toll road, you can claim insurance via the app directly from your smartphone.

Full-service features, easy, practical and without surveys

Competition insurance industry One of them is from the side of convenience given. Online services are now commonly done by almost all companies. For car insurance itself now one of the walls is a service without surveys when claims occur. By following the tips and reviews above, you will get the best products to suit your needs.

Childbirth Preparation: Choose to save or use insurance?

Positively pregnant? Sure? Is it like that your reaction when hearing that the wife is pregnant? At first surely all parents will be happy, how not, is not it given the child to complete the structure in the family is a very great gift? Hearing those Dudah is sure you immediately think ahead with all the preparations such as mental and financial.


For example, in the future, childbirth wife must have spent money on hospital costs, then there are religious or cultural rules that require a sysize when the fetus in the mother's abdomen is 4 and 7 months that all also need a fee. With the many expenses for childbirth preparation, you should be able to choose from now between saving or using pregnant women insurance.

Making preparations

Membuat Perencanaan Keuangan
In the face of childbirth preparation, you together with your spouse can use it with savings or insurance for pregnant women. Whatever your choice is not less important is you have to understand the financial planning for the mother-pregnant and the couple who will have children. There are many costs that you have to prepare.

Many of the parents awaiting the birth of their first child are often preoccupied with preparing an expense that is not so important, such as baby clothes, accessories, children's room decoration, baby's bathroom and others. That makes it sometimes forget the important and wrong things on a priority scale.

Preparation of childbirth is a fun thing, you do not need to panic when the day comes to you, but also a person will surely change the finances in a family. Ideally it may be that pregnancy should be planned far-away in order to be able to control finances but, in fact the happy news actually comes without being planned.

Find out if your office or workplace is working to finance all pregnancy and childbirth facilities? If you're looking for detailed information on how much money your office has spent. After that, look for the cost information of hospitals or midwives in accordance with the funds issued by your office.

Calculate with detail

In order to give birth preparation costs can be adjusted with budget, calculate in detail like this:

1. Compare costs
Compare the cost of regular control to a midwife or doctor and count how many times the control is performed. As well as estimating costs for child vitamins.

2. Normal Delivery Cost
Normal labor costs with doctors (not midwives) in the hospitals in large cities vary, there is normal without action and there are also those with action. There are several options ranging from regular room classes to VIP at a cost of RP2, 5 million-RP12 million.

3. Caesarean cost
Cesarean delivery There are several conditions that are Caesarean adhesions + sterelization; Gemeli/Triplet + sterilization, and the single Caesar Sungsang/latitude/Miom; Caesar sectio single fetus + sterilization. Hospitals in large cities have a range of costs ranging from the cheapest to the most expensive range at a cost of RP8 million-RP30 million.

4. Unexpected expenses both before and after delivery
Often there are many unexpected costs, and usually vary depending on each infant. The fee for example taking care of infants means regular visits to pediatricians and to gynecologists (moreover before childbirth).

5. Charge after baby birth
All details must be real, survey the hospital or midwives that you want to be able to estimate the best possible funds. Just after that is measured whether the estimate already matches the cost you have.

Choose saving or insurance?

After getting an estimate about the needs of labor fund, then you can decide whether it will all be borne by yourself by means of saving or buying an insurance product of pregnant women. You can carefully upgrade both options.

Saving

Menabung Saat Hamil
If you choose to save, then it is supposed that the target amount of savings balance until day H should be greater than the details that you have made. In order for the targeted savings to run smoothly then you and your wife should discipline the problem of spending until the little one comes out to greet the world.

Create three allocation expenses such as savings, debt repayment from credit cards (if any), and daily living expenses. And don't forget to set aside the baby's necessities after birth later that option you can put into living expenses.

It is important to consider that you should carefully choose the hospital that costs will be covered in your health insurance coverage. Do not forget to confirm in advance about it to obstetrician and anesthetics before you make a birth appointment. This handy way can help you to save a lot of money, from the cost of birth to hospital costs.

Using insurance

So what if you are more interested in pregnancy insurance? This option is perfect for those of you who have planned a pregnancy in advance because usually the clients who register for pregnancy insurance should wait 9-12 new month of funds can be processed.

Using pregnancy insurance also remains to be able to take all the expenditure during pregnancy and childbirth. For example, suppose money accountability is around Rp 10.000.000 and the official is Rp 4.000.000 in a year it will be enough or not, if not better you save yourself.

If you are involved in insurance, the insurance company will pay the majority of these costs, and as a policyholder, you simply pay the minimum fee. Before going any further, make sure that the insurance company you choose includes a cover of the cost of the treatment in its potable clause so that you can save money.

At the beginning of the insurance program, the cost of additional health insurance for children's birth is slightly more expensive, but in the end, the premium cost is still not how much it will be spent on your own. And usually if you do not follow the insurance is more likely not ready so it should be indebted there-here to cover the cost of child labour.

Plan for your child's welfare

Whatever your choice in the face of preparation for childbirth later, plan all well for the welfare of your child. Choose one that fits your family's financial skills. That way you won't feel too burdened with a variety of costs that don't really matter. Not only that with the right planning, the need for your child will be assured.  

Friday, July 19, 2019

Home insurance: Do you have a favor?

Indeed there are many who know about insurance. Not even a few know in detail about the ins and outs of insurance. But somehow, the interest of people for insurance is still quite low. In fact this is quite contradicting between reality and what society wants. Just look at how society will generally refuse to be an insurance holder for their assets when they are very curious about the certainty that there will be no bad things happening on their assets. Just take an example home insurance. When asked whether people want to become members of home insurance, few are willing to.


Image result for asuransi rumah
However, everyone would want their home to be fine. They are aware that the home is their shelter. They are also aware that the house is the best place for them to get relaxation, hang out with loved ones and get entertained. However, when they were faced with an insurance offer, they shook their heads. But not few of those people know how insurances can provide protection to their homes.

Alright, let's think most people do not know to be at all about home insurance. How can this kind of insurance work and can give a role to our home? What will be our obligations and rights? Actually what the hell is the insurance for the house? Let's try to discuss together here. Who knows later you can take the lesson that insurance is not a thing that will hurt you will give a lot of positive effect on you.

Home insurance, as the name suggests, is insurance provided by the insurance company to guarantee your assets which in this case in the form of houses. We can all not know for sure what will happen in the future at your home. Without any tendency to scare you, it is actually a lot of bad things that can befall your home. Just take examples, fires and natural disasters. These two things can easily make you lose your home. Your home that is destroyed by these two things is certainly your disadvantage.


However, if you have purchased a home insurance, you do not need to worry anymore. Basically, insurance companies will help you to relieve your financial burden or even become your substitute to take care of that financial burden completely. In this case, when your home is experiencing problems such as being damaged by fire, the insurer will compensate you for a certain amount of money which has been agreed upon before when you register to become an insurance owner. Just take the example, when you've bought a house for Rp 100 million. Then you buy insurance and you are obliged to pay a premium of Rp 1million annually over a period of several years determined by the insurance company. When your house suddenly has problems as mentioned above, you can receive compensation that can vary as the cost of your house is intact or 80% or other amount according to the decision that has been agreed with before.
Image result for asuransi rumah
It is not that it can be very lightening for you as a home owner if something bad happens to your home. What if the bad thing doesn't happen to your home? Generally, the premium money you have paid will come back to you. But there are also some insurance companies that do not return in full or not return at all. Of course you have to be careful in choosing home insurance. Make sure you get insurance from a reputable company so that the premiums you pay on a regular basis will not disappear free of charge.

Thursday, July 18, 2019

Want used car loans? It's exactly how to assign insurance

Having a car today is as if it had been a major necessity to be fulfilled. Without a car, as if various activities are quite experiencing obstacles and do not run to the fullest.

Well, the problem is how when the funds available are very limited to buy this four-wheeled vehicle. Thus, not infrequently people choose to buy a car on credit.

Another reason why people choose to buy a used car in credit is the value of this one item the longer it continues to decline. Even so, not infrequently people prefer to buy new cars than used cars for various reasons.
Kredit Mobil

Used Car credits Plus insurance

Leasing companies or credit banks have usually determined that the credited car is accompanied by insurance. The goal, to protect the car that during its creditworthiness is the property of leasing or bank credit buyers.

That is, the car loan and its insurance is already in one package offered. So this car insurance is already in the car loan package. So this insurance is mandatory, for those of you who decided to buy a car in a credit in the leasing company or bank of the creditor.

For example, used car loan packages plus insurance companies offered leasing. Thus, prospective lenders usually only need to pay the deposit (DP/down payment) and installment for a few years without selecting insurance, because it is included in the package. The immolation of this way, usually the price is more expensive away from our forecasts.


For example, Ami bought a car brand ' H ' for Rp 500.000.000, with a DP of Rp 100,000,000 and monthly installments amounting to RP 10.000.000 for 40 months. Then the money then and the monthly installment paid by the AMI has included vehicle insurance facilities. Well, here Ami does not choose what kind of insurance that is in its credit car.

Make sure car credit insurance is ALL Risk

Leasing companies usually have included car insurance in the credited car package. So, you just pay the DP and the call for a few years without the headache of choosing insurance.

The drawback of this way, of course the price can also be much more expensive than our forecasts. Then, how? Of course we want to save more, right? If there is a cheaper offer, surely we will think again to choose which one suits our financial situation best.

Before choosing, it is best to understand it before deciding to take one of the cars to be bought in credit, ranging from price, car condition, including its performance, do not let the car body look smooth and good, but apparently problematic engine Shortly after purchase.

This also determines the importance of car insurance in the installment package. So, make sure that the used car that you bought in the credit clearly covers all risk or is all risk. If not, then in the middle of the road you can just spend a lot of car maintenance costs.

For that, to be examined and credited is the credit offer of the car. Whether the car insurance has been protected or protects the whole. Do not cover the insurance in the car that you bought on the credit it turns out it does not covers everything.


Beware of ' traps '

Often the offer of used car loans on the market is quite seductive and attracts interest to have it. Therefore, it is necessary to be careful and careful to choose the car to be purchased. At least, don't let you get stuck by the marketing game.

There are at least some bargains that used to be lucrative, but are actually just fired. What is it?

Interest 0%

Anyone seems to agree on non-percent interest it looks profitable. Remember that it could be just a marketing strategy. Cause is not an impossible thing when the cost is deducted are not charged at other costs.

It could be, the cost is actually included in other components. That is, the truth is that you are not getting zero percent interest, but you can only pay for other costs that are actually swollen without being noticed or known.

Free Insurance All risk in the second year

A car loan offer that may include a trap is a free offer of insurance that covers the entire cover up to the second year or any year. If you are offered a free insurance fee of all risk in the second year of the used car that you bought in that credit, then it is necessary to watch out.

Thus, it means that it is not cheap. Because in the second year of installment, you are required to pay a bigger insurance fee than it should. Instead of profit, but actually losing more costs will be incurred.

Meticulously Select car insurance type

With the possibilities above, it's a good idea to carefully choose which vehicle insurance to buy. For consideration, you can also choose TLO (Total Lost Only) insurance as an option with the cheaper price of insurance-related risk.

The second difference in insurance is doubled, where the probability of the occurrence of all risk car insurance claims is greater than TLO insurance. Therefore, the insurance company has also taken into account the probability of claims that will be proposed.

Please note, this type of TLO car insurance only replaces the above 75% loss, a.k.a. if the car is severely damaged or lost stolen. If only the ceremonial, dent, and other, will not get any damages. While all risk car insurance, will be secured or protected in whole or all.

TLO Insurance more to sell when to buy a used car?
If you decide to buy a used car, it does not hurt to drop a choice on TLO insurance. This is actually more rational considering that purchased is a used car, isn't it? So that the financial losses suffered when something happens with the used car, it will be less than the cost of having a new car.

Try to propose a car credit type that we want yourself. But that means we have to know exactly about the existing car insurance including the loss of profit. Usually, the leasing will not easily approve your offer if the benefit of insurance is more minimal.

Therefore, look for insurance whose value is not too expensive but bring benefits to the needs of the leasing. Certainly not easy, but this can be tried. If successful, surely the size of insurance premiums that you will be liable to become too large.

Remember, there is or no claim, the fixed insurance premiums must be paid, Lho. In case of a claim, the cost is not as expected. Nevertheless, there is still no harm in taking car insurance.

It could be without insurance, the damage that must be borne is fantastic. Especially if you buy a particular brand car that costs a spare part or a big treatment. Car insurance is enough to help ease your car maintenance costs later.

Consider insurance and choose your car credit

If you want to buy a car in credit, be sure to understand well so you can choose the required insurance. This may seem trivial, but it actually has a better impact or benefit for your beloved car or your finances. Or, do not get the cost of the chosen insurance too expensive or outside the fairness. Choose the right leasing and can accommodate your wishes.

Wednesday, July 17, 2019

Buy travel insurance can be Online and Offline, check here

Using travel insurance is important to protect yourself in various risks during the trip. Then it is not surprising if this travel insurance has become a necessity that someone must have, especially when traveling often in the country or abroad,


Various insurance products also offer a wide range of protection, consumers will be very freely to choose one of the most appropriate products and certainly suitable for travel needs. Nowadays, various travel insurance products can also be purchased easily and quickly, either online or offline.

Here are a few ways you can buy travel insurance:

Buy Insurance Online

1. Marketplace

marketplace

Marketplace provides a variety of products you need, including these travel insurance products. There are several marketthings that provide travel insurance, whether they are sold by travel agents or sold directly by the insurance company in question.

Each of these sellers will certainly offer similar products. However, travel agents may have a more complete offer, since they can provide a wide selection of travel insurance products from several different insurance companies. Related to the system and the purchase procedure will certainly be arranged with the policies issued by the marketplace itself.


2. Comparison site

In addition to the marketplace, the comparison site for financial products can be your choice. The site usually sells a variety of financial products, including a wide range of travel insurance options. In addition to more practical and convenient, the comparison site also allows you to do a comparison of one insurance product with other insurance products, so that the insurance purchase at this comparison site can run faster and Easy.

3. Directly at the insurance site

asuransi perjalanan

You can also find this travel insurance product directly at the relevant insurance company's website. However, there needs to be thoroughness, because not all insurance companies provide online policy purchases. In addition, the purchase of insurance on the site of the relevant insurance company, will automatically make you only meet the insurance product of that company alone and no other product as an option. Related to the purchase and payment system, each insurance company will have its own policy.

Buy Insurance Offline  


Similar to other financial products, you can also get this travel insurance product in an offline way. There are at least two places of purchase, namely: directly at an insurance company or can also be in a travel agency company.

In insurance companies you certainly only get travel insurance products from the company in question, while in the company of travel agencies, many options can be considered. Do not forget to prepare the necessary documents that are used as a condition for applying insurance, so that this offline purchasing process can run well and smoothly.

With insurance, travel will be more comfortable


No one can suspect any calamity while traveling. To protect yourself from any risks that occur or come suddenly, then prepare an insurance program before you regret it. Choose the best product and suit your needs so your trip can be more comfortable and enjoyable.

Tuesday, July 16, 2019

How to avoid car insurance without profitable claims

When you want to choose the most appropriate car insurance, there are usually a lot to be considered including future claims. Pretty much think of taking car insurance and unused it's name waste and loss. Because if there is no claim at all, means the premium is just so scorched and it's a pity already wasted a million money in a year only to buy insurance. So this triggers people think twice when it will insure his car.


Many people feel disappointed by this kind of situation. They do not feel satisfied with the policies applied by the majority of automobile insurance companies. Imagine, already paying a fairly high premium, but if unused goes away. Not to mention if there is a claim, not necessarily the sum insured that is out of expectation. Sometimes, when filing claims that paid claims are not in accordance with the agreement because this rule is from insurers that are often missed due to less thorough reading the term and condition filed. So as to be right?

This is what a number of insurance companies eventually begin to understand. Because there is no need to lose customers due to the aforementioned kind of things, then many car insurance start to offer car insurance products "no claim, money back". With the advent of this type of products, the rhythm and excitement of the car insurance market is increasing. Customers mostly feel tempted by the offer, because they think there is no harm in paying in advance if later money can be refunded. If it thinks it looks nothing hurt. But what is so easy?

Know the Program ' car insurance No Claim money back '


Often this type of insurance installs traps that are not thought by the customer. Surely many are thinking during the car either and there are no obstacles or accidents then the money can come back completely. Well, this thought should be revised. Because there could not be a losing business or not a profit at all. Don't easily think that money can come back easily. There must be a term and condition that should be studied clearly before deciding to take the car insurance.


Put in mind that premiums are the main source of life insurance companies. These premiums are usually used by insurance parties to pay a fee. Therefore there are several cost components that have been taken into account by the insurance company before setting a premium. The following costs are:

1. Claim ratio

rasio klaim
This cost component is the ratio between the premiums received and the claim paid. So if in a year of 1000 cars there is 1 claim, the ratio of the claim is 0.1%.

2. Acquisition fee

Biaya Akusisi
The cost of acquisition is the cost to pay the marketing fee. This fee also includes fees on behalf of intermediaries such as banks, insurance agents, insurance brokers, leasing, and so forth.

3. Overhead

Overhead
That includes overhead costs for paying the operational costs of the insurance company. Such as employee salary, building rental fee, maintenance fee, electricity fee, pay ads, etc.

4. Profit Margin

Profit Margin
Surely no companies are willing to lose. Therefore, this component is mandatory and must be taken into account by the insurance company in setting the amount of premium. If not then the insurance company is certainly difficult to profit from the products that are marketed.

From the four components of the fee, it is created a premium that must be paid by the customer. Logically, all such costs will be used by the insurance company. So how will they return the money if there is no claim? Of course with the term and condition earlier.


Usually the main requirement is to never make a claim in the period of running insurance. Rather difficult isn't it? Because every day we use vehicles, every day there is a risk to our vehicles.

If it is true there is no claim and is refunded, not necessarily the insurer will refund the customer 100%. Surely later there will be a chunk of this fee and that's the edges of your funds just back around 50% only. It can also be refunded percent and the customer must continue the insurance the following year. The funds will be refunded in the form of insurance fee in the following year.

Actually, in general if further thought these conditions are reasonable applied. The insurer certainly does not want to lose its credibility and strive to keep its promise. Therefore, a condition that does not burden the insurer to refund the customer. The insurer seeks to keep its promise in the beginning but on the other hand will think of seeking maximum profit.

For example, if a return of insurance fund is returned in the following year, it means that the insurance has time to play the funds on another investment until it reaches a certain profit. Additionally the more years the value of money will be decreased. So in the following years the value of the initial insurance that we pay is not felt heavily by the insurance. Compared to the premium value that each year will also rise. So the deduction of funds made by the insurance can be only a few percent.

One more thing, generally the premium size in the insurance form is much more expensive, can reach a difference of about 10%-15% with other types of insurance. Thus, even if it is partially restored, surely the insurance does not feel lost. But conversely, as a customer of course we will feel lost. Because the slogan specified at the beginning was not entirely true.

Don't be easy to be tempted!

Looking at some of the above explanation, it is quite clear that preferably in determining the car insurance that will be used do not origin tempted by their advertisements stating the money can be refunded if there is no claim. If you want to choose the right car insurance, you should consider the risk to your vehicle, easy to make claims, reasonable premium costs and the credibility of the car insurance company. Immerse in the mind, that buying protection is nothing free. There must still be a fee you should spend. It is only, with intelligent thinking, that these costs can be reduced to a minimum. Happy Hunting car Insurance products!

Monday, July 15, 2019

Must know, it is different risk of saving education and education insurance

The Education fund is not arguably cheap, especially in the future. In order not to be Mischosen, you must first understand the difference in the risk of education savings with educational insurance. Both are the same about providing funds for the education of the fruit of the heart. However, they have different risks that parents must know. Then, what about you, have you purchased one of these two educational fund products? Then, what is the risk difference of these two educational fund products? As quoted from Cermati.com, these are the differences in the risk of educational savings and education insurance.


Image result for asuransi pendidikan

1. The assurance system and its loan parties are different 

Education Savings: 
Education savings are generally issued by the bank in the form of financial products. As with other financial products, this educational savings will also be guaranteed by the lending Board (LPS) as the authorities to provide assurance for financial products issued by the bank in Indonesia. The guarantees provided will refer to the terms and other matters relating to such rules. That is, if at any time the bank is experiencing problems or even bankrupt, the education savings are kept safe and fully paid to you as a customer.

Education Insurance: 
Education insurance is obviously not a product in the form of savings (deposits) and this product is issued by the insurance company. In general, this education insurance form Unitlink insurance is managed in the form of investment by the insurance company, so it is quite risky and the value could be exhausted. Unlike the educational savings, the service is also not guaranteed by the LPS.

2. Different levels of profit 

Education Savings:
As with any other savings product, educational savings generally have fixed interest paid periodically by the Bank of the product provider to the customer. This interest rate refers to the provisions of BI that are paid for certainty and generally not so large. 

Education Insurance: 
While educational insurance products are managed in the form of investment by the insurance company, so that this product has a potential interest is not fixed because it refers to the performance of the investment itself. As with other investment activities, this product also has a high risk and also high profit potential as well.

3. Different protection values 

Education Savings: 
Education savings do not provide high protection value, considering the premium product is indeed given for free by the bank. 

Education Insurance:
It differs precisely in the educational insurance product, where in general the coverage value given by the insurance company is fairly high. High coverage value is certainly influenced by the size of premiums paid. The higher the premium value you pay in the insurance product, the greater the value of coverage that you can get. Understand and choose the funds in accordance with the needs of Education fund children become important things that you must prepare early and generally made in the form of education insurance or education savings. Make sure you understand both products well, including the risks involved, so you can choose one of the most appropriate products that suits your child's needs.

Sunday, July 7, 2019

Hospital type Cash Plan insurance, benefits and how it works

In this increasingly advanced modern era, people are increasingly aware of the importance of safeguarding and protecting health. The cost of healing someone who is sick is arguably unpredictable. Not infrequently the cost they spend there is to drain some of the wealth/property they have.


To anticipate these high and unpredictable health costs, one of the ways that you can use is to follow a health insurance program. In general, health insurance programs protect and provide certain benefits to the customer when he or she is sick, accident or in need of other medical services.

There are two most common types of health insurance programs:
  • Daily Care Benefit (Hospital income/Hospital Cash Plan)
  • Medical expenses Compensation (hospital benefit)

And you need to know that the health insurance products presented by each company are different. Here are the reviews of both products:

Hospital type Cash Plan Insurance

asuransi hospital cash plan
The insurance Hospital Cash Plan is one of the derivative products of health insurance that will be very useful for the perfection of family health insurance. In general, health insurance will cover all components of costs in the hospital for the insured party. This special Hospital Cash Plan only covers the total cost of inpatient daily or for every doctor's action.

For example, suppose a patient with the name Ari is sick and should be treated for 6 days. Previously, Ari had paid the Hospital Cash Plan insurance premiums with a contract of compensation agreement of RP1 million/day for inpatient expenses. This means, Ari will get RP6 million as the benefit of the Cash Plan Hospital.


Regardless of the cost of Ari hospitalizations, whether the cost is larger or smaller, the insurance company will charge RP6 million during the sick 6 days. In other words if the money is left, then it will not hurt if you want to use it for anything else.

Insurance companies will not be afraid of experiencing losses because the average cost in the hospital has been calculated with maturity. Inflation costs every year, which is usually 20% of the price of the year has also been considered.

Hospital Cash Plan Insurance work

cara kerja hospital cash plan
The way this Hospital Cash Plan Works is relatively simple, as the removal system uses a reimbursement system. The reimbursement system requires us to make a payment in advance in the hospital. Once that is done, a copy of the medical fee receipts we submit to the insurer to do the reimbursement process of disbursement of funds.


The funds to be received from this Cash Plan Hospital will be very useful to reduce the burden during hospitalization.  The good news is that although the fees are already covered by the Cash Plan Hospital, you are still allowed to claim to other insurance companies such as BPJS. Because as discussed earlier, Hospital Cash Plan only needs a photocopy of receipts for disbursement.

Insurance Benefits of type Hospital Cash Plan

If you are judging by the characteristics of the Hospital Cash Plan described above, you will already know some of the benefits you can get. Here are some summaries of the Hospital Cash Plan benefits:
  • This health insurance is suitable for the health insurance that you already have, can use the Hospital Cash Plan in case of the lack of ceiling health costs from the office.
  • If you are already a participant of BPJS or have health insurance with the type of hospital benefit, then you can use additional funds from the cash plan to complete the cost.
  • Cash Plan health insurance can be used as a kind of income that decreases due to hospital maintenance costs. This insurance is certainly suitable for those who are traders, entrepreneurs, or professionals.
  • This insurance will still be provided even if it is already paid by other insurance, because this insurance only requires a photocopy of medical fee receipts.
  • The amount of sum insured according to the selected program is still paid even if the cost under the sum insured

Tips for choosing a Cash Plan Hospital type Insurance

There are a few things we need to take note of before buying a health insurance product with this type of Hospital Cash Plan. Here are some things to note:

1. Adapt to needs

Health insurance with cash plan system is only suitable for use as secondary insurance. First calculate how much your needs are before buying it, for example the cost inflation of the hospital makes your inpatient stay up to RP2 million per day. While you have health insurance that only provide hospitalization benefits of RP1 million/day. That way, you can buy a cash plan with a compensation of RP1 million per day.

2. Adjust to the large budget

The maximum ideal insurance fee will take 10% of the income. If it exceeds that, then it will be feared to disrupt our financial cash flow. Therefore, besides the need factor, you should also adjust it to the budget capability. Currently we can find a wide range of cash plan products with micro Premium.

But, of course the benefits are also relatively small. Requirements for insurance type program is also very easy. The target of microinsurance marketing is the community under the people who are not yet familiar with insurance products.

3. Choose the product with the simplest claim process

Most of the health insurance with this cash plan system provides benefits to its customers using a reimbursement scheme. The scheme in question is that the customer must withdraw the funds in advance to pay the hospital fee. Then they will get a replacement fund from the insurance company.


So, it is a king to do an insurance track record with an easy claims system. Generally, the process requires a maximum of 14 working days. If you want an easy claim system, then choose a reputable insurance company. Also, make sure that you choose insurance according to the benefits purchased.

Benefits that ordinary health insurance doesn't have

Usually, health insurance will only provide benefits for inpatient expenses caused by the risk of illness. Health insurance will not be willing to bear a fee if you are treated ill by accident. What you need to remember, the insurance customer will be better if you want to read the policy and consult first before buying insurance to avoid any dispute later on.

Home insurance: What is it, and how does it work?

Most people will assume that the home is a huge asset and achievement in their lives, it is certainly very natural, considering that the house is obtained with a very long process and hard work over a long period of time.

By looking at the facts above, it is reasonable that you will always want all the best care and protection for your home. This will prevent you from experiencing a certain amount of risk of loss that can come at any time, because basically nobody of you can predict when the calamity will come. For that, you need a protection from the beginning, namely by using home insurance.

Home Insurance and benefits

Image result for home insurance
Although not as famous as life insurance and health insurance, home insurance has also been well-known and widely used by Indonesian people. This is because the high public awareness of the risks of loss and natural disasters can occur at any time.

Home insurance is an insurance that provides protection against the onset of fire, theft, or damage caused by natural disasters.

By having home insurance, then all forms of risk of loss arising from various mentioned above, will be borne by the insurance company. That way, you can be calm and comfortable because your assets have the utmost protection that will keep you from worrying and even frightened of those things.

Imagine, what happens when a fire disaster strikes your home and spends the entire building and assets in it at once? This incident will certainly be very scary, isn't it?  Considering that home is a high value asset and has a historical value for you and your family, you will be emotionally hit by the event. So what about the improvement?

If you do not have insurance, then any loss arising from such incident will be your own responsibility. It's easy if you have enough funds, but what if you don't have the funds for it? So it is certain that you and your family will be stuck and have financial difficulties, disruption in handling the work that brings a fixed income every month, it is difficult to return to the initial position or condition.

Never as a result of home insurance issues, the protection is enormous and has very important benefits for you and your family. Not only big damage, but other minor improvements due to natural disasters will also be covered by it.

Types of Home Insurance

When you talk about protection, then it is reasonably possible that you will always want the best protection you can get. This of course you do with the goal of minimised the risk of loss that may be incurred at any time in the future. Based on the services provided, home insurance can be distinguished into two types, namely:
Image result for home insurance

1. Property All Risk/Industrial All Risk

This is a type of fire insurance that is unnamed perils, namely to provide assurance against all the risks that occur in the property and or also insured interests, except the risks stated in the exceptions, namely: War, terrorism, nuclear and radioactive; Delays, loss of market share or business interruption; Deliberate, employee dishonesty: mechanical and boiler damage; Wear, corrosion, nature of the goods themselves; pollution or contamination.

Warranties provided by Property All Risks (PAR) insurance services, including:
  • Guarantees for riots, strikes, evil deeds and Hurtnutrients.
  • Guarantees for hurricanes, storms, floods and water damage.
  • Guarantees for earthquakes, volcanic eruptions and tsunamis.
  • Guarantees for landslides and land movements.
Essentially, property All Risk (PAR) insurance is only applicable to non-industrial buildings, such as: offices, residential houses, hospitals, schools and other property buildings. As for the industrial building, such as: factories, warehouses, malls and shops, will be used insurance type Industrial All Risk (IAR)

2. Indonesian Fire Insurance Standard Policy (PSAKI)

Image result for home insurance
This insurance is a standard policy issued by the Indonesian General Insurance Association (AAUI) as a form of fire insurance service. The benefit of this property's insurance product is to provide protection to the property and/or the interests of also insured that are directly caused by: fire, lightning, explosion, the fall of airplanes (aircraft), and smoke (smoke).

However, in addition to the key benefits listed in the PSAKI, fire insurance may be expanded with guarantees of other risks not guaranteed in PSAKI, such as:
  • Riots, strikes, damage due to evil deeds, Huru Hara.
  • Floods, hurricanes, hurricanes and water damage.
  • Landslides.
  • Insurance.
  • Business interuption (loss of profit)

How Home Insurance works

Before deciding to buy a product, then you always want to know about the pattern or the workway of the product. Thus, you will not be disappointed or even feel harmed by the occurrence of purchases made. This will also happen in home insurance, you want to know clearly the benefits and workways applied by the insurance company in the product you are about to purchase.

Example: You have a house with a building area of 100 square meters, with a house coverage value of Rp 400.000.000,-.

The sum insured will be obtained by calculating the amount of funds that will be needed to build a 100-metre house at this time. If the fund is currently needed RP4 million to build each one square meter, then for a house of 100 square meters will be required funds amounting to Rp 400.000.000,-.

However, in addition to the physical building of the house, you can also insure the assets contained in the House. For example, the value of assets you have is Rp 100 million,-, the total value of your coverage is Rp 500.000.000,-

After obtaining the insured value, you can multiply the value by a unit of Permil, so that you finally find the annual premium value that you are required to pay, namely Rp750,000. This number is certainly very far compared to the value of coverage that you will get, right?

Tips for choosing home Insurance

Nowadays there are many insurance companies that provide home insurance services, so you have a lot of options. However, given the importance of the protection you will get from a home insurance service, it is reasonably well to consider this very mature. Here are the tips for choosing a home insurance that you can make consideration for:

1. Choose the best insurance Company

The main thing that you must consider is to choose a best insurance company, this you can do by searching for adequate information from the Internet or by going directly to the insurance company that is in your standard.

Find an insurance company that has a good credibility and reputation, it will be the guarantee of the services you will get from them. Use only a trusted insurance company that can meet your needs for qualified insurance services.

2. Use the right policy

Make sure you know well, fill in the overall insurance policy you will buy and use. This will prevent you from risking losses as well as problems that occur as a result of a police interpretation error from the beginning. If it turns out that you are having trouble learning the contents of the policy, then it's good to ask an expert or an insurance broker. 

3. Choose adequate coverage

In purchasing an insurance policy, make sure the amount of premiums you pay has fulfilled adequate protection coverage, so that you can avoid the risk of getting a low coverage value. Calculate and carefully consider each component of coverage that you will get, so you can get the most out of your insurance purchases.

Insure Your home now                                                           

As a high-value asset, it is reasonably well equipped with insurance coverage. Do not weigh the weight to pay a premium in the home insurance you buy, it will be directly proportional to the protection benefits you will get.