If you own a house, it is wise to get home insurance to protect you financially against unforeseen events. Without a house insurance policy, you will be liable to pay for costs associated with damage, vandalism, theft, and more, that may arise on your property.

First, our vetted insurers will draw up an estimation of the cost to cover your home, its content, and your personal liability should something happen. A premium is then determined, based on this information, and is what you will be expected to pay your insurer every month or year. The premium you pay will then be pooled with others.

When someone incurs damage or loss with regards to property or items covered by their home insurance policy, they will put in a claim to cover the loss. The cover they receive is drawn from the insurer’s pool of funds.

When one of the events stipulated in your policy occurs, your insurer will pay only for the insured items under the conditions of your agreement. Therefore, understanding what your policy covers is particularly important to avoid complications when unpredictable events occur.