Unoda Murairi Wemuimba Wakawanda Wakawanda Here?
Mhando dzePamisha yePambadzi
Nzira dzakawanda dzenharaunda dzemunharaunda dzinovhara kurasikirwa nemoto, dambudziko remhepo uye mamwe mazita anowanzova nengozi.
Zvichienderana nehuwandu hwekugoverana kwako, hurumende yako inobhadhara kugadziriswa, kurasikirwa kwekushandisa, zvikwereti zvemhosva, mari yekurapa nezvimwe. Kune marudzi akasiyana-siyana eimba yehushuwarisi yemitemo iyo ichavhara marudzi akasiyana-siyana ekurasikirwa kusanganisira zvakakosha, zvakapararira uye zvakashata (zvose-nengozi). Iyi mitemo ichabhadhara kurasikirwa maererano nemari chaiyo yekuti mari yako ishandise kutora nzvimbo yako uye zvinhu zvishoma kuderedza huwandu hwemari, kana kuburikidza nemutengo wemari inoshandiswa (iyo mari chaiyo yekutora imba yako kana zvinhu zvako kusvika kumutemo wako zvishoma kuderera). Ingave iwe unogamuchira mari chaiye yekubhadhara mari kana kuti kubhadhara mari yekubhadhara kunobva pane zvinyorwa zveimba yeimba yaunayo.
Kune marudzi akawanda emitemo yeimba. Zvimwe zvezvinowanzozivikanwa zvinosanganisira:
- HO-1 : Uyu ndiwo mutemo weimba inotangira. Inongovhara panjodzi inonyanya kutaurwa mumutemo.
- HO-2 : IH HO-2 ndeyemisha yekufambisa uye inosangana nezvimwe zvinetso zvinodanwa mukati mehutano hwehutano uye zviri mukati.
- HO-3 : IH HO-3 inyanzvi yehushuwarisi yakakurumbira yemuimba uye inochengetedza pane zvinetso zvose kunze kweiyo zvisingabatanidzwi. Iri purogiramu iyi inopararira yehutayimiri weimba yemunharaunda uye inopa huwandu hwakajeka hwekugovera.
- HO-4 : The HO-4 ndiyo renti yako inshuwarisi . Iyi nheyo inodzivirira chete zviri mukati pane sarudzo. Inotaura nezvezvinetso zvakananga izvo zvinonzi mazita mukati memutemo.
- HO-6 : An HO-6 mitemo inopa inshuwarisi kugovera condominiums kana co-ops . Iwe unodzivirirwa pakurasikirwa kubva kune njodzi dzakafukidzwa mumutemo wechikamu chechimiro chaunacho.
- HO-8 : Inopa hutano hwemisha yakwegura yemari chaiyo inokosha kuderera kuderera. Iyi mitemo haifaniri kupa mari yakakwana yekugadzirisa mari. Icho chinangwa "chakanzi" nheyo.
Mumiriri wemuInishuwarenzi weInishuwarenzi Yepanisheni Isingawaniki
Iwe unofanidza kuongorora rurimi rwemutemo weimba yako yose kusanganisira peji rekuzivisa uye ucherechedze kuti rudzii rwekurasikirwa hakubvumirwi mubato rako. Zvinyorwa zvinowanzoitwa neimba yemunhu zvinosanganisira kurasikirwa kubva:
- Mafashamo
- Bhizinesi Zvishandiso
- Kudengenyeka kwenyika
- Zvinhu zvinokosha zveMunhu
- Zvinhu Zvinguva Yemberi
- Kukuvara kweHondo
- Kusvibiswa
- Nzvimbo Yenyukireya
- Kukuvadza kwechikonzero
- Kazhinji Kupfeka uye Kuchema
- Matambudziko okuvaka
- Motokari Yakachengetedzwa Pfuma Yenyu
- Frozen Pipes
- Vandalism
- Vaparidzi 'Pfuma
- Zvipfuwo uye Mamwe Mhuka Pfuma Yako
Iri haisi rondedzero yakakwana yeimba yeimba yaunowana kunze kwezvimwe chete zvakajairika. Kunyange zvazvo dambudziko risingave rakafukidzwa pamutemo wemwene weimba, izvi hazvirevi kuti iwe haugone kudzivirirwa kubva pamarudzi aya ekurasikirwa. Muzviitiko zvizhinji, unogona kutsigira mutemo weimba yako nechinhu chinonzi mutungamiri wemitemo.
Bhuku reVanori (Kupindira) kweWokuchengetedzwa Kwekuwedzera
Mutungamiri wemitemo (inozivikanwawo sekutsigirwa) inowedzera kugoverana kwezvinetso zvisati zvave zvichinyorwa sezvazvakaiswa mumutemo wako. Mutungamiri wemitemo achapa humwe huwandu hunotarisirwa iwe, nokuda kwekuwedzera kwepamu. Iwe unayowo sarudzo yekutsvaga purogiramu inokosha yekugoverana kana kubvumirwa hakugoni kuwedzerwa kumutemo weimba yako. Mamwe mazano ehutano anosanganisira pet inshuwarisi yepamusoro , bhuwarisi yebhaji , kudengenyeka kwenyika uye inshuwarisi yemvura (flood inshuwarheni inongowanikwa chete kuburikidza neNational Flood Insurance Program (NFIP) uye avo vanobvumirwa nevatsigiri vega vega).
Muridzi weInishuwarenzi Anotsigirwa Kuti Ufunge
Heano zvimwe zvishoma zvingawedzerwa iwe unogona kuita kune weimba yako yunivesiti:
- Kudengenyeka kwenyika : Imba yenyu inongoripirwa nekutengenyeka kwenyika kana iwe wakawedzera kudengenyeka kwenyika kudhipatimendi weimba yako. Kudengenyeka kwenyika kudengenyerera kuchabhadhara kugadziriswa kweimba yako uye zvimwe zvivako zvisingabatanidzi kumusha wako (zvakadai segaraji) mushure mekudengenyeka kwenyika. Inogonawo kubhadhara mari yekuunza imba yako kusvika kunezvino dzekuvaka dzimba uye nezvimwe zvinoshandiswa zvinodhura zvakadai semarara ekubviswa.
- Kuvhara Mukana Wevarindi : Isu tose tinonzwisisa kutengesa kwemari uye zvigaro pamabhuku edu ehomwe. Kana iwe ukachengetedza imba yako pamutengo wawakabhadhara nayo, zvingasava zvakakwana kuti udzorere imba yako kana kurasikirwa kwese kuchiitika. Iyi ndiyo iyo kugadziriswa kwevarindi vemapurisa kumutemo weimba yeimba yako kunogona kubatsira. Iko kugoverwa kwemari kunongowedzerwa gore negore kuti ichengetedze nehupfumi.
- Sewer Backup : Kuchengetedzwa kwemvura kunogona kukonzera kukanganisa kwemvura kunodhura kunonetsa kuigadzirisa uye kunogonawo kuisa ngozi yehutano kwauri iwe nemhuri yako. Haisi kubvumirana kunodhura kunowedzera purogiramu yemwene weimba yako, dzimwe nguva kutenga mari shoma se $ 40 kana $ 50 madhora gore negore. Tarisa newaini yako ye inshuwarisi kana mujeri weinishuwarenzi kuti uwane mari yakananga yekuwedzera iyi kuvigira mutemo wako.
- Zvigadzirwa zveMunhu Pamwe : Kana iwe une zvinhu zvinokosha kunze kwemhuri yakarongeka yekugadzira zvinhu zvakadai sezvishongo, magetsi, makombiyuta kana unyanzvi hwakanaka; iwe ungada kuronga zvinhu izvi kuti uone kuti unogona kutora zvinhu izvi pahuwandu hwekuda kwavo muchiitiko chekurasikirwa. Murairidzi wepamba weimba inogadzirisa dhora remari yezvinhu zvakadai sekuzvishongedza zvingasava zvakakwana kuti zvive zvakakwana kuti zvive panzvimbo yavo mukurasikirwa.
- Nzvimbo Yomunhu Pamwe Chekugadziriswa Mariro : Imba yako pachake inotsigira mari yekupa mari inobhadhara mari yekuchinja yemari yako yega pachake pasina kuderedzwa muitiko wekurasikirwa kwakavigwa.
- Pamba Bhizimusi Kuendesa : Vazhinji veimba vepamba vari kushanda mabhizimisi emisha uye vanoda bhizinesi rebhizimisi rebhizimisi reimba risina kupa murairo wekumba weimba yekuvhara zvigadzirwa zvebhizimisi uye mutoro wemhosva. Kubvumirana kwebhizimisi rekumba kuchawedzera kugoverwa kwepurogiramu yako uye kazhinji kune miganhu ye 50% yehuwandu hwekugara kwako kukuru.
- Manyore Endorsement : Unogona kuwedzera mutemo wekubvumira mvuracraft iyo inowedzera kugoverwa kwechikepe chero chipi zvacho chaunacho kana chishandise. Inokuchengetedza pamusana pekukuvadza kunowanzoitika panguva yekutya, apo chikepe chacho chakanyongedzwa, kuchengetedzwa kwemhosva uye mari yekurapa inobatanidzwa nechiitiko chengarava.
- Kuvhota Kuvhota : Kuvhara kwevhavha kunopa kudzivirirwa kusba kwezvinhu zvako zvega. Mhando dzakasiyana dzekugadziriswa uku zvinowanikwa maererano nehuwandu hweinishuwarenzi yaunayo. Tarisa nekambani yeinishuwarenzi yako kuti uone rudzi rwekuvhara kwekuvhara huripo.
- Secondary Residence Zvivimbiso Kugadziriswa : Izvi zvinowedzera kugoverana kumutemo weimba yako weimba yezororo. Kutenga kubvumirwa kunogona kuva chinhu chine mari shoma pane kutenga mutemo wakasiyana wekugara kwechipiri.
- Kukuvadza Kwemunhu Kubvuma : Kupihwa kwekukuvadza kunowedzera kuvharidzirwa kwekuchengetedza kumwene wako weimba inishuwarenzi yezvinhu zvakadai sekusungwa kwenhema, kubviswa zvisina kururama, kuchera, kupomerwa, kuzvidzora kwevanhu pachavo uye kuparidzira kune mhosva yemhosva uye mamwe marudzi okukuvadza kwepamweya anokuvadza asi haasi chaiwo chaiwo kukanganisa mumuviri.
Pfungwa dzekupedzisira nekufungisisa
Paunenge wowedzera kuwedzerwa kuparidzira kumutemo wemwene weimba kuburikidza nekubvumirana kunogona kukubhadhara premium yepamusoro; zvinogona kuve zvakakosha munguva refu. Kana njodzi inowira, iwe hauna nguva yekurasikirwa kuti ugadzirire imba yako uye mukurarama. Iwe unofanirwa kuongorora dambudziko racho uye uone kana iwe uchida imwe yunivhesiti yeimba yako kupfuura iwe uri mumutemo wako uripo. Haisi pfungwa yakaipa yekukurukura nehuturi yechuwarisi uye kuongorora zvaunogona kuita. Zvinogona kunge zvakajeka sekutora mutemo wemuvakidzani wakakwana. Izvi zvichange zvichienderana nemamiriro ako ega akasiyana nezvinodiwa. Pamusoro pezvinhu zvose zveinishuwarenzi yaunoda, iri pfungwa yakanaka yekuita inshuwarisi chekuongorora- kamwe kamwe pagore kuti uone kuti iwe wakafukidzwa zvakakodzera kune chero kurasikirwa kusingatarisirwi.