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 Protect your property with alarm System

Home insurance advises

A standard homeowner’s insurance policy usually includes four important types of coverage such as: Construction of your home, private belongings, liability security and additional living costs in the case of fire or other disaster and in some cases you can get an extra coverage for “Force Majeure, which can include flooding, earthquakes or routine wear and tear and in some cases acts of war. It is most important that all is mentioned in detail in the policy as some insurance brokers can get around these claims and not pay out if they are not mentioned specifically in the policies.

 .Private Belongings.

This can range from furniture, clothes, sports equipment and any other private stuff that are mentioned on the policy. Expensive items such as Jewellery or furs can also be covered but some insurance policies may charge extra for these items as they are what are called "high risk” items. This may also cover illegal use of credit cards, it is best to check each insurance company as there policies may differ.

Liability security

Covers against lawsuits for physical injuries or assets damage that you or your family may cause to other people.  It may also include damage that you pets do to others.  It also covers any court charges not just in the house but anywhere in the world.

.Additional living costs

This pays the added costs of living away from home if you can't live there because of damage from a fire, storm or other insured catastrophe. It covers hotel bills, restaurant meals and other living costs incurred while your home is being rebuilt. 

These costs and coverages vary from company to company so it is advisable to do your homework before buying a policy.

The above do not cover health insurance for you your family or your pets and this type of insurance should be taken out separately..