Seinfeld Teaches the Value of Home Insurance Don’t Be like Jerry

Updated: Sep 20

Lessons are all around us. Some we accept openly with grace. Others we have to learn the hard way. Home insurance is one of those things that you definitely want to embrace early. Naturally, learning the hard way with insurance can be devastating. So, don’t take losses and then try to rebuild your life. Plan, prepare, and insure.


Seinfeld Teaches the Importance of Home Insurance


KRAMER: Look, Jerry, I’m sorry, I’m uh, you have insurance, right buddy?

JERRY: No. KRAMER: [looks shocked] How can you not have insurance?

JERRY: Because… I spent my money on the clapgo D. 29. It’s the most impenetrable lock on the market today… it has only one design flaw: the door…[shuts the door] must be CLOSED.


Here at Insuravita, we have one piece of advice… don’t be like Jerry! In this scene from the hit TV show Seinfeld, Jerry has his home broken into and he loses valuable items. His neighbor, Kramer, was responsible for leaving Jerry’s door open, allowing the thieves to get in. Kramer apologizes profusely, but he assumes that Jerry must have insurance. After all, who wouldn’t? Jerry had relied on building security and a new lock he installed. All too often people rely on things that can be broken or broken into to protect their valuable belongings. Remember, the one thing that cannot be broken is a solid insurance policy.


Types of Home Insurance


There are so many things that happen to your home when you are not there. Even when you are home and think you are able to protect your belongings, you never know what can happen. Thus, a good home insurance policy can give you and your family peace of mind while you are away on vacation, at work, or sitting on the couch. Without question, everyone deserves to have their home and precious things protected. Below, there are some examples of how your home insurance policy can help you in times of need.


Dwelling Coverage


Imagine someone breaks and enters your home. In the process of stealing your belongings, they have also damaged your home. You now have the responsibility of fixing broken locks, doors, windows and possibly more structural damage to your home inside. Often, burglary is accompanied by vandalism to the home. Coverage from this type of insurance will reimburse you for your efforts to repair damage. In addition, it covers fortifying your home by installing new windows and locks etc. Depending on your policy, provider, and coverage, there may be specific limitations to the amount of reimbursement.


Other Structural Property


If you have a home that is accompanied by a detached garage, shed, in-laws quarters, boathouse, or any other type of structural building aside from the home, you may need to check that your insurance policy covers other structural properties. There are several challenges for a homeowner when there are additional structures to protect. Of course, thieves often target spaces that are not inhabited to avoid getting caught. Protect these other spaces and any valuables they possess with your home insurance policy.


Personal Property


Our homes are filled with our day to day necessities. We purchase nice gifts like jewelry, gaming systems, televisions, tablets, iPhones, etc. When choosing your provider and plan, make sure to check your policy for coverage of your personal belongings. Insurers are aware of the items that cost you the most to purchase and protect. Some of your items may cost you extra to protect your home with locks and safes. Your insurance company has a long list of items that are protected and how much money in reimbursement is available for each of these items. Pay close attention to your policy as you add things to your inventory. In addition, make sure you specify what needs additional protection. Overall, home insurance is absolutely essential to protect you and your belongings at all times.


The Takeaway for Your Home Insurance


The lesson to be learned from this episode of Seinfeld is to re-evaluate your insurance priorities and identify what matters most. Go through your home and list out the things that would need special insurance coverage from things like theft or damage. Protect your home and items by purchasing home insurance today. Check our site for the best quotes from companies that fit your needs.


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