Whilst our home may be our most valuable possession in life, it is certainly not our only important one. Take a look through your home and you will most likely see a collection of belongings which in a way helps you to define your day to day life. Not just those items, but the precious memories that are associated with them. Your television set, blu ray player, personal artwork, jewellery, decorations and so much more. It can all be protected quickly and easily with affordable contents insurance from Hood Insurance Brokers.
There are generally two main options for contents insurance
that will insure the value of your belongings against
unfortunate events such as burglary, flooding, fires or
natural disasters. These options can include a number of
optional benefits, a selection of which are also described
below.
A premium, comprehensive insurance option that can cover
the repair or replacement of all your most valuable
contents. This can include possessions you may have in
storage, protection of items in transit and even some items
you may have with you while travelling overseas. This can
also protect an unrecoverable amount of money you have lost
if your credit or debit cards are lost or stolen and used
fraudulently by the offending party. A premium contents
insurance policy is the best option to ensure all your
possessions are covered for their full value at all times.
If cost is a factor, don't fret. There are a number of
more basic and less comprehensive contents insurance
options with more cost effective premiums. These forms
of contents insurance are best suited for those whose
contents are less valuable, less exclusive or those who
wish to have some form of protection but cannot manage
the more comprehensive policy premiums. It can be quick,
easy and inexpensive to secure the important things in
your life with Hood Insurance Brokers, request a quote
today.
If you live in a rental property or flat, renters
contents insurance is almost a necessity. It is a
good value cover, because not only will it secure
the value of your possessions it will protect you
against any claims for damage brought against you by
your landlord. Sometimes, the insurer will initiate
action against you as the cause of damage to recoup
their lost funds, bringing about a potentially
disastrous financial situation. Having renters
insurance can protect you against both the initial
damage caused and any action brought against you by
the homeowner's insurers. Luckily, renters insurance
is generally inexpensive so we urge you not to
hesitate, we can get you the best deals available
right now.
A selection of benefits is listed here. This list is not exhaustive, so please enquire with us directly if you have any questions. If added to your policy, generally a small increase to your premium will apply.House Under Construction or AlterationThis benefit protects you against damage that may occur while your house is under construction or if it is undergoing significant alterations.Business ToolsCovers items within property from which you receive some sort of financial return.Contents of Fridge/FreezerIn the case of malfunction, breakdown or destruction of your refrigeration unit, this benefit will replace your spoiled food contained within.Keys and LocksPays the cost incurred to replace keys and locks that have been damaged, lost or destroyed.Temporary Accommodation Expenses If your house is rendered uninhabitable, this benefit will pay for your temporary accommodation expenses until repairs have been completed or your claim has been paid. Sometimes, this will also include kennel or cattery fees for your household animals.Jewellery Replacement If in possession of an up to date valuation dated prior to the loss, this benefit will go some way to recuperating the value of your lost and stolen jewellery.Spectacles, Contact Lenses, Hearing Aids and DenturesIf you suffer accidental damage or loss of these items and a claim is accepted, this will pay for the replacement or repair.
If you require contents insurance, we can
design an insurance package for you that will
fit your needs at the most competitive price. We
will also offer unmatched ongoing support,
including a professional staff on hand for any
form of assistance as well as claims management
during your most stressful times. We can outline
a policy with all the features you need and none
that you don't. Your possessions need
protecting, and it doesn't have to break the
bank. Contact Hood
Insurance Brokers for more information
anytime.
: 2 Burns Avenue, Takapuna, Auckland
0622
: 09 489 9650