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Dial Direct Household Insurance                         
If you are a home owner, you will understand the necessity of having comprehensive household insurance or home insurance. Household insurance is necessary in the unfortunate event that you lose your household possessions to theft, fire, flooding etc.

Dial Direct household insurance covers everything under the roof of your house, cluster or flat, such as your lounge suite, sound system, TV, jewelry, linen etc. Of course, household insurance will also cover items that you may keep in an outdoor storeroom, garage or shed, and even your Weber braai.

Obviously, it would be impractical to insure each and every item in a house, which could number thousands.

Instead, you as a home owner must provide your insurance company with the combined value of all of your household contents. Based on this single value, Dial Direct will work out your monthly home insurance premium.

In the event that any of your household possessions are stolen or damaged, the Dial Direct will pay out a claim for the amount of the item at current market value.

In other words, you may have lost a dining room table which you bought for R1000 ten years ago. The same table may be worth R6500 today so the Dial Direct would pay your claim to the value of R6500.

However, beware of the 2 most common household insurance pitfalls - over-insuring and under-insuring.


 
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