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Your grandmother’s locket, your father’s coin collection, your wedding rings, the painting you received for 20 years’ service from your employer – they’re not just things, they’re memories, and memories are treasures.
Valuable Treasures
Nobody can put a price on something of sentimental value. Having a laptop or phone containing photos of many happy moments stolen is devastating. For a business person, it can be make-or-break if that stolen item contains client files, proposals, and intellectual property.
In some cases, the goods are found, but often not in the condition they were before. Sometimes, the owners choose not to take them back because they feel violated by the invasion of their privacy. In business, it would most certainly lead to clients taking their business elsewhere, because they too may feel their security was put at risk.
Insure, Insure, Insure
There are advocates of not insuring your household or office items, but don’t listen to them. Insure your household and business assets and contents. If your precious possessions are lost, stolen, or go up in flames, insurance may only replace them, but not the memories attached to them.
How would you feel, though, if everything you once owned or successfully built up over years of blood, sweat, and tears couldn’t be replaced, or worse, you were left destitute or bankrupt? What memories would you have then? Only ones of what once was.
Having an item replaced never restores the emotional attachment you had to the real thing. Still, you can reminisce around a new TV set and about how Dad always fell asleep in front of the old one before the opening credits had even run. Or how Grandpa would have moaned about having to boil water in an electric kettle because a whistling kettle on the stove wasn’t an option.
You could sit with your colleagues around a new boardroom table and set new goals despite the setbacks you’ve faced. You could offer improved service to your customers because your old hardware may have been replaced with upgraded machinery.
So Many Choices
Finding the right insurance broker may not be an easy task. After all, there are so many choices available. How do you know which company is the best for you? Honestly, you don’t.
Several factors play a role in the type of coverage you need, so it’s safest to consult with a company in the know according to BrokerLink – an expert in insurance. Check it out to see what your options are.
When it comes to the type of coverage you need for your home, having proper guidance will go a long way in avoiding paying an expensive lesson, if in the long run, you need to make a claim. Few things are worse than, ‘We’re sorry, but you’re not covered for this kind of event’, or ‘you’re underinsured’.
Having a reputable insurance firm looking after your portfolio helps you avoid landing in these unfortunate, but all too common, pitfalls.
Check What You’re Covered For
Insuring the items in and owned by your home and business is essential. Yes, they’re material things, but they’re things that make a shell a house and a house a home, or an office a successful empire.
Insuring those things means you’re looking after moments and feelings that matter. Priceless memories and success in business are not just ‘things’.
