Home Protection: Five Reasons to Buy Home Insurance | YOUR MONEY

In order to prevent any event that could happen unexpectedly, such as earthquakes, huaycos, among others, very common in our country, the acquisition of home insurance plays an important role.

Added to this is the increase in the crime rate caused by the COVID-19 pandemic, which has also become one more problem for Peruvians, putting families on alert and creating the need to seek ways to protect their homes.

Faced with this, Carlos Sánchez, CEO & Founder of Zölid Brokers, provides 5 reasons why it is important to consider purchasing home insurance:

1. It not only covers construction, it can also cover your belongings: Remote work and the proximity to summer have made many people decide to get away from the stress of the city and spend their days away from home, and these are the houses or apartments most prone to being robbed. In situations like these, the insurance covers both the belongings and things of value that are declared in the policy, as well as the damages that originated the theft or attempted theft of your property.
2. It is a comprehensive insurance: This insurance provides coverage to your home against accidents such as lightning, explosions, vehicle impacts and even aircraft crashes.
3. It also offers fire coverage: During this holiday season, the number of casualties damage tends to rise. If a home has home insurance, the insured may be compensated for the replacement of all the assets declared in the policy, including objects damaged and lost during the extinction of the fire.
4. Many home insurance offer additional benefits: The benefits may vary depending on the company, but among the most common benefits we have home messaging, preventive veterinary consultation, home grooming service, valet parking for events, among others.
5. If you do not have home insurance, you are exposed to assume all the costs of the claim: a pipe break or rebuilding a wall is not cheap. The estimated repair expense could amount to more than S / 4,500. If you do not have home insurance to protect you against these risks, you will have to assume 100%, which may generate an imbalance in your pocket. That is why we recommend having this insurance, which for an annual amount protects you from a wide variety of risks. In addition, the payment method is flexible and you can adapt it to your possibilities, paying up to 12 monthly installments.