Approach any of the reputable Insurance Companies and ask them. I use AIG and I can vouch for them. You just do a schedule/list of everything you want to insure in your house, with the value you want to insure each for. They then calculate a premium which you pay. (a) At any given time if you add an item, you just notify them via a letter and they calculate what you need to pay based on it's value - which is determined by yourself. Of course if you over-value, you pay more, but lose when you claim, because they know market values. (b) Every year when you renew, you decide what values to renew. I always depreciate my items to reflect what I believe is mkt value. (c) If you lose an item, you just have to get proof (like Police abstract) to prove that to make a claim. There are some for which you do not have to produce an abstract - like when the Police are not involved, e.g. damage by any other means... Mambo ya Kinoo na Muthaiga ni yako! :) On 7 May 2013 14:21, Collins Areba <ac@arebacollins.com> wrote:
I have never thought of or taken home insurance. @okech & @wash, what are the rates? And do they vary depending on where you stay ? E.g is the same rate applicable for kinoo as for muthaiga? Pun intended...
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On May 7, 2013, at 2:04 PM, Odhiambo Washington <odhiambo@gmail.com> wrote:
+1
Let them take everything they want. Insurance will take care of it!
On 7 May 2013 12:26, Okechukwu <okechukwu@gmail.com> wrote:
& a good home insurance also works magic
./Ok3ch
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On May 7, 2013, at 12:18 PM, "Nd'wex Common" <flexycat@gmail.com> wrote:
Hi,
Well, if you live in a house with a metal door with 3locks ie top middle and bottom locking with a padlock on the middle one only, then I believe its the high time you made some adjustments to your door.
Recently a friend of mine was "fumigated" (all pun intended) with chloroform, funny they knew where he kept his keys, so they proceeded to remove one of the panes, long metal or whatever it was grabbed the keys opened the padlock and using another device opened the lower lock and got away with whatever was in the sitting room. Everything in the bedroom was left intact.
He wakes up in the morning, crazy headache, feeling weak and dizzy, somewhat realizes the door out is not locked, going to lock it still puzzled is when he finds gas cylinder missing and all electronics.
A number of things you must do,
- your keys should not be easily accessible especially from outside the house - if your door fits the aforementioned description, then ensure the other locks can be secured with a padlock or any other mechanism - know thy neighbour (the brothers and sister who regularly visit your house) - have all electronics in the bedroom (sooner or later they will find a way to get there with the drug still active)
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-- Best regards, Odhiambo WASHINGTON, Nairobi,KE +254733744121/+254722743223 "I can't hear you -- I'm using the scrambler."
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-- Best regards, Odhiambo WASHINGTON, Nairobi,KE +254733744121/+254722743223 "I can't hear you -- I'm using the scrambler."