Incorporate a Travel or a Home Insurance to protect your dream Holiday or Home

As per Murphy's law anything which has to go wrong will go wrong. Incorporate this logic into everyday life. Inspite of this a lot of people around the world don't go for "Insurance", be it "personal insurance", "home insurance" or "travel insurance".
An average upper class family would splurge on an att cellular phone,
"jewel case" or a "jewlery", silver wine corks,Chateau Palmer 1961,a parker premium or even an Rado V10K wrist watch. They would even go in for the latest intrusion detection system. May be from Honeywell for added insurance. But to protect these luxury items with a home insurance is an anathema to them. The latest att cellular phone or Nokia 6680 or its Motorola counterpart would cost a packet , but still buying a home insurance worth 1000 per month is beyond their imagination. A jewel case with De Beer diamond can be as easily ordered over the net as applying for online home insurance.
But to incorporate this logic into their brain is as hard as buying a Chateau Lafite 1797.

We shall give the family the benefit of doubt. Maybe things won't go wrong were they stay. Hence no need for a home insurance.(Incorporating their logic into the article and not mine)

But how about travel insurance? Hundrends and thousands of things may go wrong when you travel with you family to a foreign country,which could neccesiate a travel insurance. Right from Tsunami to a stomach upset. But why should you spoil your vacation or worry about this when you go for a luxury vacation? Travel insurance takes care of dental treatment, passport loss,personal injury, personal liability, Hijack releif benefit, trip cancellation to IDL loss.Various travel insurers like ICICI Lombard, Chola have various fees to take care of your travel insurance needs. Buying a travel insurance policy has never been easier before. You have various options, right from the doorstep of the travel agent to online travel insurance. Even new craze like scuba diving, bungee jumping, para sailing can be covered by this travel insurance. Obviously premium travel insurance would be available.

Hence the next time you but a jewel case or a att cellular phone remember to buy both a home and travel insurance. No point in going for a cheap holiday, if your valuables are not insured. Be that your valuable homeowners articles though home insurance or still more valuable article, your life through travel insurance.

A very easy concept to understand but a very difficult one to incorporate.Like jewlery and jewelry.