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  5   top reasons to get Home Insurance 

5 top reasons to get Home Insurance

If you are still undecided about Home Insurance, have you considered that buying a home may be the largest purchase you ever make in your life? It came with a lot of efforts, sacrifices and commitment from your part. Protecting it is, hence, a priority. Here are the top 5 reasons why getting your house insured is the best decision you can take.

Natural Disasters

Natural disasters can cause great losses. We are living on a tropical island which is likely to be hit by cyclones. We have avoided quite a few lately but with the climatic changes, chances are, when the next cyclone will perhaps hit us, it can hit hard. Just think how much you will have to spend if your home gets flooded or damaged?

You feel safe from fires? Avoiding playing with matches is not the solution. Did you know that a tiny rat snaking on your electrical wire is enough to ignite one? It can happen when you are at work or sleeping at night. If it gets time to spread, a fire can be extremely destructive. With our Home Insurance, you can rest assured that your house is covered against events such as fire, lightning, cyclones, or floods.


Unfortunately, no one is safe from a home intrusion. From furniture to home appliances, over the years, you have spent a considerable amount of money to turn your house into a home. Are all your belongings safe? You also have personal belongings such as jewellery, mobile phones and laptops, which are targeted objects and easy to steal. If we cannot replace the emotional value of anything, we can help you with financial support.

Loss or Damage

It’s very frustrating when expensive belongings get damaged or lost. Your laptop fell and the screen cracked? Did you misplace your valuable watch? These incidents can happen very easily and unexpectedly. It would save you a lot of money and stress if you add Personal Effects Coverage to your Contents Cover to protect your valuables away from home. This cover includes belongings like jewellery, watches, cameras, mobile phones, laptops and sports equipment.

Personal Liability

Did you know that you could be sued when accidents occur on your property? For example, if a visitor or domestic worker slips and gets injured on your premises or if your dog bites a stranger, you are legally responsible for damages and costs. This is also extended to include coverage of accidents occurring in the space adjacent to your property. Thanks to the personal liability coverage within your Home Insurance, we will protect you if you are sued, and pay for legal fees, medical bills, and material damage caused by the accident occurring on your property, up to the limit of liability.

Required by Your Mortgage Lender

Do you need to take a loan? Today, all banks and most mortgage lenders will not grant you a home loan unless you have Home Insurance. Logically, you would also want to protect your most valuable asset.

However, keep in mind that even if your bank works with a specific insurance company, it is your right to choose the insurance that suits you better.

Besides all these reasons, the very first reason why you should get your Home Insurance is for your peace of mind, which is priceless. For more information, you can call us on 659 0659 or you can also get a quote online here. Would you like to support the Mauritius Wildlife? If you get your insurance cover online, you will be glad to know that some of your contributions will go to the Mauritius Wildlife Foundation. So, for all these good reasons, let’s get you covered!

~~ The Quantum Insurance Team ~~