Ever tried building a 'House of Cards'? It's a slow and a patient process in which a person, very passionately, places a card on top of another and simultaneously constructs vertical layers.
Standing acutely on their blades, these vertical cards shoulder the horizontal ones, balancing them delicately.
This crisscross array of a fine matrix of cards constitute a sacred geometry of the effort that goes into erecting it.
As the paper- edifice stands completed, the builder beams with pride upon looking at it.
The sight of it is worth all the effort.
Phew! Swoosh! No sooner is it built than a gust of breeze blows in through the window ripping apart the 'house' by the middle, as if struck by lightning.
The cards get dislodged out of their places.
They topple one over another.
In the blink of an eye, the cascading wave motion gains momentum.
The cards tumble down and snowball into an avalanche only to come crashing down and collapse into a heap of paper mass.
Thus, tearing down on all the monumental effort.
Sheer dimensional necrosis! This is only game.
Reality, however, is not much different.
Every person needs a shelter.
Owning a flat, or a house, or a building or any residential place where one may stay, feel secured and call it one's home is a dream nurtured by all and sundry.
For some people owning several houses may be easy.
However, for most of the people owning even one house can be difficult or a distant dream.
As such, houses essentially symbolize the culmination of a lifetime's efforts and savings! Not just that.
A person's house also stands testimony to a temple of beliefs that holds one and one's family together.
Protecting it against the slightest threat thus becomes not only crucial and imperative but an action of paramount importance.
What is the Solution? As stated above, threat or damage to one's house could happen in any form- nature's fury, electronic jeopardy or human error.
In all cases the result is common- damage and destruction of the asset.
No one wants it and hence the precaution measures are taken.
While prevention is said to be better than cure; in this scenario prevention is the only cure.
Building or owning a house is an investment which involves lot of time, effort, money and energy.
As protecting it becomes quintessential, one needs to ensure its safety.
Should there be any mishap, there should be provision to recover its financial worth as well.
Insuring one's house is a way to derive financial security.
Home insurance is the solution when it comes to protecting one's house.
The Basic Concept of a Home Insurance This concept of protecting one's house is often not understood clearly and often people don't know for certain why they go in for a Home Protection Scheme.
Simply put, insurance is basically the cost necessary to reinstate a person's house in the event of a mishap.
It is basically a contract in which the homeowner pays an amount (called premium) to an insurance company for a fixed period of time.
This payment is distributed over term- intervals.
In return, the company takes on the onus of financial assistance to the homeowner in the event of mishap or upon the expiration of the contract.
The homeowner who pays the premium amount to the company is then said to be 'insured'.
There are different types of Policies to protect one's home and one's belongings.
Such a policy requires that the insured be of the house.
In the event of a calamity, the extent to which the refurbishment of the house along with the owner's possessions will take place will depend on the policy detailing as agreed upon at the time of commencement of the contract.
Besides, the clauses governing the repayment amount also include the inflation consideration.
The amount repaid to the owner is based on the extent to which one has insured oneself.
Such companies lay down various schemes and one is protected only in the ambit of all that the Policy covers.
Schemes range from basic coverage of home protection to the protection of home contents and so on.
In recent times, many more policies have flooded the market which cater to the various needs of consumers.
While these various companies present their offers in impressive displays, the basic concept of financially protecting one's home remains unchanged.
A smart homeowner needs to evaluate judiciously the amount of financial protection one would be needing and subsequently avail a policy that covers his house and his possessions.
Once your house is insured, it ceases to be a 'house of cards'.
It,then, turns into a "haven of peace and delight"!