Why all parents should have insurance

When you’re expecting a baby, insurance isn’t usually top of mind. New parents’ heads are filled with cots, prams, cute little baby clothes and visions of having a new family member in the home. But wait, before you completely forgo the idea of taking a look at your insurance policies with fresh eyes, or taking out any new ones, consider the following reasons why all parents need insurance:

Car insurance

When you’re waiting to welcome your new baby into the world, you are probably also doing your best to save money wherever you can. The first insurance policy that you should look at is your vehicle insurance. Do some comparative quoting research and make sure that you are paying the best price for your car, age and vehicular security. Even better – you can take out insurance with us, because we’re the first and only car insurance provider in South Africa that decreases your car’s monthly premiums as your car’s value depreciates! (Which is a real thing by the way – you know that saying ‘your car loses value the second it drives off of the showroom floor?’ This is totally true!)

In addition to the cheaper premiums that you can get, you also need to consider that a collision could land up costing you a lot of money in repairs or the replacement of your vehicle. That’s precisely why you need to have a great insurance policy in place to protect your pocket.

Buildings insurance

Buildings insurance protects the actual physical structures of your home; usually including any outhouses, perimeter walls, driveways, patios, swimming pools, underground cables, pipes and more! You can’t very well keep your little one safe in the house when you have a broken perimeter wall; and how will you teach them to swim if your pool is a green pit of breeding grounds for mosquitoes? These are just a few of the obvious reasons why you need buildings insurance. If you’re not sure whether you will need it, consider the devastating effects that a powerful storm can have on your home. Trees may fall, your home may be flooded, thus wrecking the foundation, a fire could start, destroying many of your household contents, and a random person may crash right into your garden. All of these occurrences could land up costing you a lot of money.

Home contents insurance

There can be nothing more devastating to a family than a break-in and robbery. With home contents insurance, you can cover the flat-screen TV on which your child watches Barney, your computer and hard drive, jewellery and any movable home items of value.

When it boils down to it, the financial losses that can hit you when something goes wrong can be devastating on your bank account, savings and ability to provide for your little one. It’s not difficult to see why you need insurance for your car, home and valuables – giving you less time to worry and more time to play with and enjoy your tiny tot.

For all kinds and types of insurance, let the King’s insurance products give you peace of mind. Contact us today for super cheap insurance quotes.