Home Contents & Buildings Insurance

Household Insurance

Dial Direct Household insurance policy refers to the cover of all your personal possessions that are found in your home and garden. The cost of replacing these items in your own personal capacity is preclusive and having insurance cover for them is essential. Items such as clothing, furniture, electronics, garden equipment etc are included in this type of cover. In other words all the things you would take with you when you move house.

There are many ways in which your can loose your personal belongings including fire, robbery and floods. Dial Direct covers you in such circumstances. Each item cannot be insured individually and so the cover applies to the total contents of your house. The cover pays out each item individually that may be damaged or lost .

When assessing the premiums payable one of the most important factors considered is the security of your home. Having alarms, security gates and living in a secure village all play a role in lowering the cost of your premiums.

To be sure that you do not loose all of your belongings it is essential to have adequate cover and this is offered, at an affordable rate, through Dial Direct Household Insurance cover. Make sure you are covered.

Building Insurance

Building insurance refers to the insurance cover for all the physical, immovable structures on your property. These are the things that you cannot take with you when you move house. It includes your house, pool, outbuildings, walls and any other immovable structures.

It is important to make sure that you are adequately covered and not underinsured. This can be done by insuring your buildings at there current market value, in other words the current cost of replacement of all the structures on your property. If you do you not have adequate insurance you will end up having to pay out of your own pocket and this can prove to be quite costly.

Some of the cover includes water damage, damage by fire, earthquakes, lightening, and geysers. It further includes damage caused by animals, falling trees and cars. Damage caused by a robbery is also covered, but not if your house has been unoccupied for more than 60 days. Aircraft damage or items falling from them are also covered.

Un-approved buildings on your property will not be covered and items such as a thatched roof need to be specified.

The cost of replacing your buildings can be extremely high and impossible to afford, this makes Dial Directs Building insurance an absolute necessity. This type of insurance is essential should you wish to take out a bond with the banks.