定居指南: 如何買家居保險

你在尋找家居保險嗎? 這裡有一些讓你開始的貼士。

Burglars

Finding the right insurance for you is a valuable way of protecting your household goods. Source: Getty Images

紀錄

買保險前做個物品紀錄,總結家中物品值多少錢?應該拍照,並收好單據。

可幫助你。
Taking notes
Make a list of everything of value that you own and want the insurer to cover. Source: AAP

找合適的保險

家居部分很多,有獨立公司也有商業機構提供的。

最佳辦法,是從拿三個估價,若你試過有計劃不受保,應該加保。

提供的資料要準確,不要低估物品的價值,做好物品的紀錄,最好每年更新一次。
Jewellery
Shop around for a policy that best suits your needs and protects all that is important to you. Source: AAP

細閱合約

每份保險都不同,最好細閱合約。

一些保意外,一些不保,一些保珠寶至每件五百元。如要保更多,或有其他狀況,如洪水保險,應該加保,盡量多做資料收集或準備。

有用鏈結

-  由 Insurance Council of Australia 提供

www.understandinsurance.com.au 

www.understandinsurance.com.au/calculators 

- 尋找和比較保險公司   

www.findaninsurer.com.au

- 消息者權益組織  

www.choice.com.au/money/insurance/home-and-contents
Flooded house
Always read the fine print, some insurers may charge additional costs for events like flooding. Source: AAP

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Published 1 June 2017 5:46pm


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