As a matter of principle, even tenants are recommended to take out household insurance, because loss of or damage to the movable contents of a flat can be expensive. The aftermath of the volcanic eruption revealed numerous unexpected types of damage and surprising costs, such as the removal of ash, to name but one.
Garden owners know how much love, work and money goes into their garden, but not necessarily that possible damage to the outdoor area, including garden furniture, can be insured at a suitable level of coverage. No one can replace intangible assets, but it is comforting to know that nothing stands in the way of restoring one’s devastated garden.
People with no manual skills will be relieved to read that workmen and emergency services are insurable. Breakdowns are known to occur preferentially outside normal business hours. In the case of additional insurance, you don’t have to worry about the problem being settled on Sundays or public holidays, and in our increasingly digitalised world, additional insurance for your data, or the cost of saving it, is worth considering.
In every climate zone, you have to deal with your own problems. In warm areas, for example, you often unintentionally share your living space with cockroaches, rats, mice and vermin, which can quickly become a plague that you can no longer control. A pest control supplementary insurance policy thus quickly becomes a blessing. The cover guarantees you immediate removal with reliably fast service.
Your travels can also be additionally covered under your household insurance, as well as a few more risks that you only discover at second glance. It is therefore worthwhile to read the list of possible additional risks to be insured more closely and to discuss them with an insurance advisor.
