Dial Direct Household Insurance

It can be devastating to lose your possessions and if you are not insured the cost of replacement can be impossible to afford. Dial Direct offers cover for just such a circumstance through it's household insurance policies.

Household insurance differs from home owners insurance. Home owners insurance refers to the cover you have on the actual physical structures on your property. Home owners insurance is insisted upon when taking out a bond from the bank.

Household Insurance covers all your possession in your house, including furniture, electronics, clothing, curtains, lose carpets, jewelry, garden equipment and all other items that you would take with you should you move house. Items are insured at their current market value, in other words the cost that would be incurred should the item need replacing at the time of the loss, not at the time it was insured.

Due to the impossibility of insuring each and every item in your house separately the household contents are insured at a combined value of all items in the house. The insurance company will then pay out according to the specific item or items lost.

House hold insurance offers cover for such events as fire, theft, flood, etc. Offering you peace of mind that your household contents will be replaced should one of these unfortunate events occur.

A number of factors affect the cost of insuring your household contents. Security plays a big role and having security gates, armed response and an alarm system can all help to reduce the premiums payable.

Protect yourself from the insurmountable problem of having to personally replace your valued possessions and make sure that Dial Direct has you covered with their household insurance policy.