Whether you are a home or pet owner or a housesitter wanting to travel you will likely have taken out some insurance to cover your property and possessions. Most consider life health care home insurance as the absolute minimum cover. If you own property you’ll have a home insurance policy. If you rent out your property you will need have a landlord’s insurance.
No doubt you will have or have considered taking out life health care home insurance to ensure all round cover for you and your family. Here are some suggestions related to the essential insurance cover most of us need today.
Essential life, health care home insurance that everyone needs
It’s easy to avoid taking out insurance. Especially if you have never been in a situation where you have needed to make a claim. Some people will get insurance for things that they are legally obliged to, such as car insurance or a home insurance policy, but will ignore insurance they deem unnecessary.
However, you must have these essential insurance policies in place to make sure you and your loved ones don’t get caught out in times of trouble.
No one likes to think about their death, but unfortunately, it is an inevitable part of life. If you have a family, you should undoubtedly have organized some life insurance for yourself. If not yet covered do this as soon as possible.
Life insurance will help to provide your family with financial aid in the event of your death. It can also help to cover expensive funeral costs. There are various things you can include in your life insurance policy, such as long-term illness, critical illness, and disability cover.
Of course, this will all depend on your budget as your life insurance cost can vary, but it can be very affordable, and it is wise to sign up for some cover for the sake of your family and loved ones.
The expense of healthcare in some countries can be astronomical depending on what medications and treatments you need to receive. If you do not have health insurance, it can cause you a lot of problems when visiting a hospital for emergency treatment or other healthcare centers.
Many uninsured people don’t go to healthcare professionals for that reason, and this can result in their health deteriorating. To avoid finding yourself in that position or struggling to cover enormous costs, you need to make sure you have good health insurance.
Home insurance policies and Renters’ insurance
Photo by Harper van Mourik
If you own a property, you are legally obliged to get yourself home insurance. The basic cover will protect damage done to the structure of your home, but if you want to protect your belongings inside the property, this will be an additional cost. But review a number of home insurance policies before you commit to one.
If you pay for home care insurance, hopefully, you will not have issues with your home and claims. However, freak accidents or weather conditions can wreak havoc, and you may find yourself facing mild to severe damage to your property.
Variations on home insurance
Consider the essential difference in purpose to your home insurance policy. If you’re renting your living space, renters’ insurance can cover theft or damage to your personal belongings, liability (accidental damage or injury in the property that you’re responsible for), and additional expenses that may occur while you’re renting.
Car insurance is a legal requirement for anyone who owns a vehicle. If you are involved in an accident, you will need to exchange your insurance information with the other driver/s.
You will need to determine who was at fault and is responsible for covering costs for repairs. You insurance should cover these. Driving with expired or no car insurance is considered irresponsible.
If you are not covered you could find yourself facing large fines. In addition there maybe devastating costs for repairs and medical bills incurred as a result of the accident. Learn more about car insurance and best rates by visiting best cheap car insurance companies.
Life health care home insurance all help you prepare for the unexpected
Prepare for unforeseen circumstances; it’s a good idea. Having the right insurance in place is an excellent way to do that. Purchase cover for life and health, review home insurance policies and landlord’s insurance if appropriate before committing.
Ensure you have organized these life health care home insurance policies as soon as possible.
Use housesitters to protect your home when you are away
While we are all concerned with ensuring we have up to date life health care home insurance we also need to protect our homes when we are not present for extended periods.
Keeping a vacant property safe
Having a house sitter stay at your home will make your property less of a target to burglars chancing for a quick opportunity in an empty home. House sitters give your home the look of still being lived in and ensure that there is someone in your home during the hours of the day when a crime is most likely.
Photo by Gavin Merrit
There are many responsibilities for house sitters when they are in your home, such as checking for break-ins, plumbing, roof leaks, and any other potential problems that could occur while you’re on your trip.
If you are planning an extended trip away from home then you need long term house sitters. Taking this step will definitely help you prevent thieves from taking advantage of your unprotected home.
A house with resident house-sitters is less exposed to risk
In addition to making sure your home is occupied, it is important to make sure looks occupied. Resident house-sitters can be a great help making the appearance of an occupied home. they can keep lights going on and off, demonstrate people walking in and out making it look more naturally occupied.
There are additional ways to manage the appearance of your home in your absence. The Royal Mail have a KEEPSAFE SERVICE which you might find useful depending on the length of your absence or indeed if you need to wait to transfer your post to a new location. It only takes five days to set up and the Royal Mail keeps your post for up to 66 days!
HouseSit Match offers a comprehensive online house-sitting service, offering homeowners access to resident house-sitters from across the whole of the UK (and even Australia). The site also allows sitters to highlight the fact that they have a current police check. And they an select which gardening and even pet caring skills they are happy to promote.
This makes it easier for homeowners to find the sitter that best matches their requirements.