√ ASRI's Simply Home Platinum Insurance: Comprehensive Protection for Homeowners

ASRI offers protection for residential properties with certain conditions. Eligible properties are single-story homes with no more than three floors and built with Class 1 construction, typically made of concrete or steel. The property must not be rented, vacant, and must be accessible by fire trucks.

ASRI, a fire and home insurance product from PT. Central Asia Insurance (ACA), protects residential properties and their contents from various risks, including fire, lightning, explosion, aircraft, smoke, vandalism, theft, terrorism, sabotage, and natural disasters such as wind storms, floods, earthquakes, volcanic eruptions, and tsunamis. Additionally, this product covers legal liability for third-party claims.

Class 1 residential properties, which are mostly made of non-combustible materials, can be insured along with household furniture and other items.

Some things are not covered by ASRI's policy, such as landslides, nuclear reactions, intentional damage, third-party intentional damage with knowledge of the insured, business interruption, and others.

This product is suitable for every individual who has an interest in insured assets, including homeowners or renters.

The premium is determined by the Insured Value of Assets (IVA), as ASRI's premium rates have been predetermined in a fixed package that cannot be split unless there is a need for an increase.

The definition of Class 1 building construction refers to a building where all structural components are made of non-combustible materials, such as concrete or steel, excluding combustible materials on windows, doors, or partitions.

Owning a home not only provides a place to live, but also the potential for profit if managed wisely, such as through rental or sale during favorable real estate markets. However, the risks associated with home ownership cannot be ignored.

Disasters can strike unexpectedly. For example, fire can threaten, even if smoke detectors are installed. Insurance for home protection becomes crucial in facing such risks.

Although there are various standard insurance plans available, such as Standard Fire Insurance in Indonesia, All-Risk Property Insurance, and Standard Earthquake Insurance in Indonesia, these plans often do not fully meet the needs. Small expenses like fire extinguishing costs or temporary accommodation can financially burden. Therefore, the comprehensive coverage offered by Simply Home Platinum Insurance can be a more comprehensive solution.

Simply Home Platinum Insurance complements standard insurance with 18 additional coverage options, including medical treatment expenses, building glass damage, and protection against food and household items. As a result, Standard Fire Insurance in Indonesia becomes more comprehensive.

Home insurance covers various causes of fire, including homeowner negligence, fire from items inside the home, or fire around the home. However, some situations are not covered, such as burglary during a fire or intentional damage by the homeowner or others.

When filing an insurance claim for a home, the homeowner has a duty to provide accurate and complete information about the fire incident. Failure to comply with this obligation can result in claim rejection by the insurance company.

Therefore, maintaining a home well not only involves physical maintenance, but also comprehensive insurance coverage.

ASRI's Simply Home Platinum Insurance provides comprehensive coverage for home structures, fixtures, fittings, and valuable content against various risks, including fire, lightning, explosion, aircraft, smoke, earthquake, and other perils.

The coverage is enhanced with 18 automatic coverage extensions, regardless of the chosen plan. The insurance policy also includes protection for public liability, accidental death benefit, and permanent disability for the policyholder and their family. The coverage limit for the policy is up to Rp880 million (excluding own risk)