Household insurance is something everybody should have.
Having your personal items, home and belongings damaged, destroyed or stolen (not that someone could steal a house, although we would like to see them try – but we mean the smaller things that often fall prey to theft) can be a tragic and often expensive thing to go through.
Of course, if you are one of the clever ones and have household insurance through the guys that make insurance simple, affordable and easy to understand (that’s us, Oneplan) then we are here to break down a few things for you.
But seriously – if you don’t have household insurance through us, why not? We let you have total control over what you cover and for how much. We don’t make you go through the hassle of home inspections, all you have to do is snap a pic of the item and upload it to our app to have it covered and our claims process is simple, easy and paperless. What could be better?
Here are 4 things you should know about your household insurance
1. Even renters can and should get insurance
Just because you don’t own the home you live in, doesn’t mean you shouldn’t insure the stuff in it – because that stuff is yours and it would be pretty expensive to replace if something were to happen to it.
Your landlord only has to insure the physical structure of your home, not the things inside. So get your household items insured – today.
Related: Is it Better to Rent or Buy a House? 5 Reasons Why Buying is Better
2. Your address determines your premium
We are sorry to tell you this, but the truth is – where you live will directly impact how much you pay.
This is because the crime stats of your area will obviously determine your risk of having things stolen from your home.
In high-risk areas, your home insurance will cost more. We really don’t like the idea of something bad happening to you either, so if it is too expensive to move right now, then read over our next point…
3. Your security measures affect how much you pay
This one should be kind of obvious – the more security you have the less you will pay.
If you have security gates, alarms, burglar bars and a subscription to an armed response team – then your premium will be reduced. If not, then your premium will go up.
We aren’t asking you to have a moat around your house filled with man-eating crocodiles or anything (although, this would be pretty cool), but the standard security measures in place will help in you paying less. The crocodiles don’t count as security measures in insurance policies. Just FYI.
4. You are not covered for items you take away from your home, but we do have a cool cover option for these items
Household insurance does not cover you for items you remove from your home…
We don’t cover you for items such as a car (we do car insurance separately), your pet (also a separate insurance offering – we really do it all) or a lawn mower for example.
Related: Flexible Car Insurance – as easy as 1, 2, Drive with Oneplan
But here’s the deal…
Being a client of Oneplan unlocks this awesome little add-on product called On The Go Insurance, which is insurance you can turn on and off for the little things that move with you and for when you need it.
It’s easy and instant insurance for items on the move with you. For example – If you are going away for the weekend and want to insure your camera for the 3 days then you can!
Just wait, it gets better…
We cover you for the full price of your item. Let’s just repeat that – THE FULL PRICE. We just work out the amount of days and value and you pay us through your credit card on the spot when you activate it.
The only things we don’t cover on the go are: jewellery, cash, watches and tools. We do cover a range of other items though – these are all outlined in your policy document.
Life is complicated, insurance shouldn’t be.
Your Insurance Family,
Oneplan
