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How to sell insurance and Why do I need insurance

An insurance or insurance product is a service that cannot be touched, held in your hands. It is essentially air. But exactly until the insured event occurs. And this makes such a sale more difficult - not every potential buyer sees the meaning and need for such an acquisition. Nevertheless, the challenge before us is how to sell insurance , which is discussed below. A few points that will help to cope with the difficult task of selling an additional financial protection product . How to sell insurance Expert Image Buyers making a purchasing decision pay attention, among other things, to the seller himself. It is in this that it is worth looking for the reason that one manager is being bought and the other is not. If the client sees an expert in the manager, then his proposals will be perceived in a completely different way. An expert is not a person with whom you can talk about such trifles as price or that " this is a game in which I do not participate ".
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What is a Home Insurance Policy and What is covered?




A Home Insurance Policy, or a House Insurance Policy, is a combination of a Home Insurance Policy and a Content Insurance Policy. This insurance covers damage caused by fire, storm or burglary.

How extensive the coverage of your home insurance depends on the type of insurance you have chosen.

There are three types of home insurance:

  • Comprehensive Home Insurance
  • The extra comprehensive Home Insurance
  • All-risk Home Insurance

Discover for each cover what is and is not insured.

Home Insurance Policy Coverage

The comprehensive Home Insurance is the least comprehensive of the three. This covers damage to your household effects and/or home as a result of:

  • Fire
  • Lightning strike
  • Explosion
  • Storm
  • Water damage
  • Oil, smoke and soot
  • Theft, vandalism and riots
  • Collision and collision
  • Falling down of trees, cranes and pile-drivers
  • Unforeseen jumping of pipes due to frost

Nowadays, almost no insurer offers comprehensive home insurance.

As a result, the extra comprehensive home insurance is the most standard insurance for most insurers.

Cover for extra comprehensive home insurance



The extra comprehensive Home Insurance Policy offers coverage against the causes of damage included in the comprehensive home insurance.

In addition, a number of additional causes of damage are insured with this cover. These are:

  • Searing, sing and melt damage
  • Damage due to precipitation
  • Damage to the contents of refrigerators and freezers due to a power failure of more than six hours
  • Chopping and breaking work that must be performed to detect a defect in a water pipe
  • Damage due to vandalism or theft of garden furniture, garden tools, flagpoles and laundry in the garden or on the balcony.

All-risk home insurance coverage


All-risk home insurance is the most comprehensive variant of home insurance.

With this insurance your home and your household effects are insured against all external calamities.

This includes insurers all causes of damage over which you have no influence.

An insurer does not always want to cover all causes of damage with the all-risk insurance.

Damages that are not insured are always explicitly stated in the insurance terms and conditions.

Exclusions Home Insurance


For some claims, it is not possible to insure yourself.

These are excluded from coverage with every Home Insurance Policy.

For example, damage due to intent or recklessness of the insured is never covered.

Damage caused by catastrophes, such as natural disasters, is almost always excluded from coverage.
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