Home Insurance is Not Optional
Most people think, “I’ve got a strong door lock. I don’t need insurance.”
Or they assume, “My landlord’s insurance covers my stuff too!”
Wrong.
Let’s clear up some big myths people still believe about home insurance.
🕵️♂️ Myth 1: My Landlord’s Insurance Covers My Belongings
Reality:
Your landlord’s insurance only covers the building — walls, roof, structure.
Your TV, laptop, furniture? Your problem if there’s a fire or theft.
🏠 Myth 2: Home Insurance is Too Expensive
Reality:
In most places, home insurance costs less than a cup of coffee per week.
A small premium protects you from huge losses — think burglary, fire, water damage.
💼 Myth 3: I Don’t Need It, My Neighborhood is Safe
Reality:
Good for you! But a burst pipe, a kitchen fire, a storm?
Mother Nature doesn’t check your postcode.
📦 Myth 4: Home Insurance Only Covers Big Disasters
Reality:
Wrong again. Many policies cover small damages too — like stolen bike, accidental breakage, or guest injuries at your place.
💰 Myth 5: Claiming is a Headache
Reality:
Today’s insurers have simple online claims. Upload pictures, receipts — done.
Most settle small claims within days.
Quick Tip
Always check what’s covered. Some plans don’t cover expensive jewelry or electronics by default — you may need extra cover.
It’s easy to ignore home insurance until you need it — and then it’s too late.
Don’t fall for myths. Protect your home, protect your pocket.