Have you insured your home and prized possessions?
Guess not. After all, your apartment is probably covered by a basic building insurance and you don’t think additional coverage is required, right? Well, it’s time to think again…
A basic building insurance only covers you for damage to your walls and ceilings in case of a major fire. It does not cover your furniture, valuables, gadgets and designer shoes. And girlfriend, forget about claiming the cost of these valuables if they are damaged by flooding (it does happen here too, you know) or are stolen from your home.
DirectAsia.com offers a flexible plan that covers your home’s contents. You also have the flexibility to add options like pet insurance, 24-hour emergency assist and building insurance. Here’s a tip: Don’t forget to keep your receipts. Remember, most insurers will only insure you for the current value of the insured loss in the home.
PROTECT YOURSELF TOO! The home insurance plan covers personal liability too. So if someone breaks a leg in your home, you are covered for injury to that person. Or your child, who is a rollerblade fanatic, could run over someone at East Coast Park... Having this policy with DirectAsia.com ensures that any consequent expenses of such accidents will be taken care of.
Here are more reasons to choose DirectAsia.com:
- IT’S FAST & SECURE: You can buy your policy securely online!
- IT’S FLEXIBLE: You can opt for additional options that are right for you. You pay only for what you need, not a cent more!
- IT OFFERS GREAT VALUE: DirectAsia.com does not engage middlemen – so you don’t pay any commission.
MEET “MS BUNGALOW”
This stylish 45-year-old mum of two teens lives in a 4-bedroom bungalow which is fully-paid up. She has insured the walls, ceilings, floors and roof of her house for up to $750k in reconstruction costs in case of a fire. This cost her just $187.50 per year. She’s also insured her fixtures and valuables for $250k. At $331.25 per year, this comes with $500k coverage for any legal liability that could arise from the unintentional act of any member of the household, ensuring that any consequent expenses of such accidents are taken care of. HOME INSURANCE = $1.42 a day.
MEET “MS HDB”
This 36-year-old mum of three toddlers moved into her own 5-room HDB flat recently. The $50k she spent on renovations is covered by DirectAsia.com for just $12.50 per year. As the property is still on loan, she’s keeping the insurance advised by her banks to cover the building. However, she’s taken up extra coverage, at $120 per year, to protect the $60k worth of home contents, including jewelry. She also pays $25 a year for a $25k personal liability cover in case her maid accidentally drops something from the flat, damaging a car or hurting someone! HOME INSURANCE = $0.43 a day.
MEET “MS CONDO”
This 31-yearold expat rents a 2+1 condo unit with her partner. One of the joys of renting means she does not require insurance for anything the apartment comes with; the building and designer renovation is covered by the landlord. However, she does own an impressive library of DVD titles and a collection of Asian art that she prizes. Her partner has an enviable designer watch collection. That’s why she and her partner have insured their personal items and belongings in the unit for $120k. HOME INSURANCE = $0.73 a day.