Our house, our car and our pets are our biggest investments in life. Let’s not scare ourselves silly here and start totting up how much the children cost! It makes sense to protect the things we invest in, even if we think nothing will happen to the swanky bit of gadgetry we have bought. If you don’t, you’ll only curse yourself when something does go wrong and if you have to pay out to fix it.

 

Household Items

 

Perhaps you have just installed some swanky air conditioning to get you through the summer months. Or maybe you have invested in a new washing machine and dishwasher. Or it could be that you have moved into an older house, and you are not sure of the quality of the appliances that are already there. If so, it might be wise to invest in a Home Warranty. This type of warranty covers all the things your home insurance doesn’t. It will secure you against anything from plumbing issues to appliance breakdowns. And also electrical repair to garbage disposal replacement. We don’t like to think that things can go wrong, but if and when they do, it can be costly. If you take up a home warranty deal, you will only pay out a set trade fee and all covered repairs will then be made. Bear in mind that home warranties cover normal wear and tear of appliances and systems in your home. They won’t cover pre-existing problems, damage from pets or cosmetic issues. Do your research and get some quotes on annual fees and call out charges. If you have lots of expensive equipment in your house, then a home warranty is most probably a good call. Better to have peace of mind than be left with a huge leak or broken air-con in the summer.

 

Your Car

 

Your car may be used to get you from A-B, or it may be used daily for a long commute and the school run. Regardless, always make sure to take care of your car and protect it. It’s a big investment and bills can be astronomical when things go wrong or if you have an accident. Make sure you have secured a good insurance deal that covers you for accident, theft and fire. Research the best deals around and make sure you have substantial cover for everything. If you are borrowing someone else’s car also make sure you are protected. Also get your car regularly serviced and regularly cleaned. This will give your car more longevity and give it a better resale value if you ever trade it in. Don’t forget to carry your driver’s license at all times, and especially if you are travelling abroad and renting a car too.

 

Pets

 

Oh, how we love the very bones of them! Whether you are a cat or dog lover, our pets give us so much joy. It makes sense to get them insured incase they get a serious illness or fall prey to an accident. In the long run, pet insurance far outweighs medical bills, if it comes to that. It’s so much better to be protected than not. Insurance not only covers illness and accidents but also emergencies. Most companies will pay up to 90% of your vet bills which can be a huge burden off your shoulders. Ensure your pets get the best medical care by insuring them against all the ills of the world. After all, they’re one of the family too!