Home insurance is a type of insurance that secures your home against many risks and disasters in return for monthly premiums.
Where you can secure your loved ones and your living space, also ensures your future and ensures that you live safely and peacefully in your home. Moreover, you do not have to be a homeowner to get housing insurance. When you tell the insurance company that you are a tenant, you can take out housing insurance that suits you.
People who have never faced a disaster or risk before and whose housing has not been damaged may see housing insurance as a costly and unnecessary act. However, if you do not have a home insurance policy after an unforeseen disaster, you may have to pay a surcharge more than the monthly price you will pay for your home insurance. This will shake your budget more than housing insurance. If you take out home insurance, you can return to your peaceful and safe days in a shorter period with a guarantee to cover your damages and help you in case of a negative situation or disaster. Therefore, taking out home insurance is a very important, necessary and effortless action both for you and your loved ones as well as for your home and your belongings.
What Are Home Insurance Discounts?
Some of the discounts offered by insurance agencies are as follows:
Alarm discount: If you have a working alarm in your covered house, you can benefit from the alarm discount as this alarm is a deterrent feature against theft risk.
Damage reduction: Housing insurance is usually made annually. At the end of each year, the insurance agent official and the customer come together again and prepare a new insurance policy. If the previous year, there was no damage to your property, no risk occurred, and you did not receive any payment from the insurance, this may allow your insurance company to reduce the damage for the following year. However, since this discount is not a discount from every insurance company, it is a good idea to ask your insurance counselor before you set up your policy.
Declaration in Housing Insurance
The discounts offered by insurance companies will only be valid if you provide complete and correct information at the time of the insurance contract. Because you will be asked to document the discount you would like to take in case of possible damage. If you are unable to do so and have given incomplete information in advance, you will not be able to benefit from a discount or receive an intermittent payment.
How to Choose the Best Residential Insurance?
The damage and alarm discounts on housing insurance can help you find the right insurance for you. In addition, you can make your insurance both safer and more comprehensive with additional guarantees that you can add to your policy when you take out house insurance.
Campaigns, discounts, and benefits offered by all insurance companies may be different. For example, many insurance companies do not offer a discount on the damage. Therefore, if there is no negative situation in your insurance house in the previous year or if you have not reported any damages for your house, you need to know in advance whether the damage discount that you can benefit from next year’s discount is applied by the insurance company you are interviewing. Although many insurance companies offer undamaged discounts, these discounts may also vary between companies. Therefore, it is very important for your health to get detailed information.
Likewise, if your home has an alarm system, it is beneficial to get information about the alarm discount that offers you a discount before signing your insurance policy. Of course, in order to benefit from these discounts, you must fill out your insurance policy completely and submit your declarations of goods completely and accurately.