Home Insurance is always a good idea. I mean, you just never know when you might need it.
You never know when a family member might come home late at night feeling a tad tired and subsequently fall asleep on... say... the sofa. With lit cigarette in hand. While your parents are away on what may be the first holiday they've had in years. Quite a lot of damage could be done in that scenario. You would hope though, that said family member would wake up just as the cigarette burns through and touches skin and that he/she could escape the encroaching smoke and flames. You would also hope that he/she may think of waking the sleeping sister upstairs in her bed before he/she makes fast his escape. Otherwise it may be left to a passing neighbour to remind him that he actually has a sister who may be still inside the house. The house with the billowing smoke and flames that is. Jeez. If this accident were to happen in your lovely home you'd be glad you had Home Insurance. Wouldn't you?
You never know when you're married with a child in a house of your own and let's say that your child is about 2 or 3 years old . Let's also say that one day your child throws a whopper of a tantrum and throws a small glass picture frame at the double-glazed window in your hall door. You then see a huge crack in the window.... he's a small child with huge strength, especially when in tantrum mode. Wouldn't it be nice if you had Home Insurance that covered that?
You never know when you might have trouble with your oil tank in your back garden. Let's say.... you get a fill of oil and that approximately six weeks later your heating system fails. You may scratch your head in bewilderment and finally think to check the oil tank to find that it's empty. Empty? After six weeks? Where is this....Antarctica? It may take a while for that to sink in, you may even, in your bewildered state, convince yourself that some very clever person siphoned the oil from your tank over the back wall..... in a truck.... in broad daylight. You may even be convinced enough to report this theft to the local Gardai. However someone may eventually prove to you that your very full oil tank slowly but surely, over a six week period, leaked it's entire contents (1000 litres) into your back garden..... and, as you may later discover, into your neighbour's back garden as well. Oops! You may also hear horror stories of other cases where the oil leaked under their house and then you'll be thankful for a large back garden with a strategically placed oil tank.... and your Home Insurance policy!
You never know when your heating system may inexplicably fail again, a couple of years on. Of course this time you'd have learned your lesson and the first place you'd check would be your oil tank. Your a fast learner, after all is said in done. When a leaking oil tank proves not to be the culprit you would most probably wipe copious amounts of sweat from your brow before you soldier on to find the real cause of this particular disaster. In this scenario you would learn that there is such a thing as a Trace and Access Clause...... and once again you would be very grateful to have your Home Insurance policy to pick up the tab. Phew.
You never know, even though at this stage you would probably feel that you've had your fair share of , ahem upsets, when disaster may strike yet again. The Gods may have decided that house fires, oil leaks and heating system leaks hadn't quite discommoded you enough and may conspire to curse you with a flood of epic proportions. Well, a flood of approximately 2 to 3 inches throughout your whole house might satisfy those evil Gods. To justify their existence and show their true strength however, the evil Gods may ensure that the flood water also contained the contents (all the contents) of the local foul water system. Could you just imagine how you would feel in this case? Particularly if you lived on a cliff...... 20 feet away from any body of water..... anywhere? Jeez. You could take solace in the fact that you weren't the only house affected and be eternally grateful for your Home Insurance Policy that would cover the cost of this very expensive bill. You may also cross your fingers and touch all things wooden in your vicinity for years to come, in the hope that the evil Gods have been satisfied and have moved on to pastures greener.
Oh yes, be in no doubt at all...... Home Insurance is a very good idea indeed.
Please note that this is a fictitious account of imagined scenarios and any similarities to events that may have occurred in real life - seriously, even The Jazzys couldn't be that unlucky.... or could they?!?!- are purely coincidental. Seriously!
NOTE: This was a sponsored post. thank you for reading.