The Importance of Rented House Insurance, to Owners and Tenants

Has a rented House and rent to others it is often done, especially if the relevant have had home stay other as occupancy personal. there are many people who make rented House as one of the source of income, given amount of money generated from here could have reached the tens of millions of dollars per year. value rent this course will depend on the facilities and also the condition of the House itself. the nice and strategic locations a rented House, it will be the greater also rental fee will be obtained from the House. that is, of course the value of home selling itself is also a high and relatively expensive. However, the House is an asset value-high price can achieve hundreds of up to billions of dollars, so it is important to keep the protection of the most maximum, one of them by using the insurance. then, is rented House also need insurance? see also: protect your assets with home insurance insurance for rented House rented House although not occupied yourself and precisely contracted to others, home of course should keep guarded well. there are many risk that could happen on assets this one, some of them can even just cause loss in large numbers for owners. call it fire or damage caused by earthquake, of course things like this could make the entire home building had severe damage. not in the number of small, losses caused the things that could have reached hundreds of millions of dollars. as a homeowner, maintain and manage the House of course be the required to do. the use of insurance is the right choice, where a variety of risk that may occur in the House can be transferred to the insurance company. homeowners need mengantisispasi a variety of this risk from the beginning, let alone the House will be occupied by the parties the tenants and are not in the supervision of the owner in full. but in fact, a variety of risk this is not only has the potential adverse homeowners are because the tenant also have the interests of the same in there. various assets / goods which is the contents of the House is owned by tenant, where the risks of these items are also important to well-run. when a risk occur in the House (building) such, it could pose a risk same household itself. call it fires, in case of fire in the House, it is not just the building alone, but all items in it can also be sold out on fire. this incident certainly could cause loss big enough for homeowners. but it would take raises a loss for the tenant, isn't it? insurance important for the owner and tenant owner and renter home price of a House certainly not arguably cheap, especially if those assets consists of a building construction decent and are at strategic location. this is the one of the reasons why the homeowner required manage risk that may occur in assets such. in addition to the buildings, the contents of the House is also a thing equally important, because its value can also be high enough and need protection. basically, both the owner and also Householder equally have a great interest in protecting each of their assets, so that they need protection. use the services home insurance and is the right choice, where the risks of home and also it can be transferred to the insurance company. this time, there are many insurance company that provides products home insurance, including policy addition to its contents as well. ACA be one of the insurance company biggest that has the product in their services. there are many types of assets that can be insured this company, among others: building. furniture household. equipment the House. engine. merchandise. supplies or finished goods. various other items. as other insurance companies, the company also guarantee enough complete and follow the policy applicable standards in Indonesia, such as: fire. lightning explosion. smoke and including due to the fall of aircraft. in addition to policy standard above, the expansion of protection also can be done to get the protection of the more the maximum. expansion protection include some risk, such as: riot landslides. flood, and cleaning fee debris. but in the service, of course not all risk can be guaranteed by the insurance company. it is usually listed on the policy exception that has been set in such a way. the following are some of the risk that is not guaranteed: fire or explosion of fire arising own (self combustion). short-Circuit (short Circuit) or fire arising from the nature of the goods itself (inherent vice). damage the war. raid. action enemy foreign and other activities like. reaction or nuclear radiation or contamination radio active. very important to look at some of the policy above exclusions since the beginning, in order misunderstanding inevitable and not cause any of the interpretation of the things that are guaranteed and not guaranteed by the insurance company itself. how the calculation of the premiums? illustration calculate the cost of insurance premiums in the home insurance premiums will generally is calculated by one year (12 months) at once. premium = (amount of coverage (jup) X tribe premium per year) / 1000 prosecutor an asset value that will be covered by insurance (outside land value). example: a House with a price rp400 million and the value of the contents of rp200 million (prosecutor = rp600 million), will be insured assuming tribe premium per year of 1,5 / 1000. premium = (rp600.000.000, - X 1,5) / 1000 = rp900.000, - per year. if see the fact that the owner and Householder equally interested in this insurance, it would be very wise if premium on paid with (each USD 450.000, - per year). see also: this option insurance is important to anticipate natural disasters get maximum protection rented House need a maximum protection, whether it for the owner or for parties hired and Occupy the House. use the services home insurance for asset this one, so that a variety of risk could well managed. divide insurance premium is the right choice, given the owner and tenant equally have the interests of the House.