Kushandurwa pfupi painishuwarenzi yako? Zvinogona kuva nekuda kwemiganhu inokosha.
Vanhu vazhinji vanosiya inshuwarisi yekuda kunzwa vachigadziriswa, asi izvi zvinogona kudzivirirwa nekuziva zvamuri kutarisira mberi. Chimwe chezvakakosha zvisiri izvo zvinoita kuti vanhu varege kufara nemari yekubhadhara zvikwereti ndezvavanofunga kuti vachabhadharwa chimwe chinhu, asi kwete kubhadharwa zvakakwana.
Chikonzero chacho kazhinji hachizivi kukwaniswa kwe inshuwarisi.
Nokudzidza pamusoro pezvipi zvinokonzerwa nemiganhu inokosha uye kuti zvingakukanganisa sei, unogona kuita zvisarudzo zviri nani pane iwe unoda kubvumirwa kuwedzerwa, kana kana uchida kuwana inshuwarisi yakanaka pane zvido zvako.
Ndeipi chikamu chairo chemhosva kune inshuwarisi?
Chimwe chikamu chakakosha chemhosva yako yehushuwarisi ndiyo inopera mukati memashoko ako ehurumende anotaura kuti yakawanda sei ichabhadharwa zvimwe zvinhu zvakagara zvataurwa. Hazvifaniri kuvhiringidzika nezviri mukati uye chidimbu chako chemugove pane yako inshuwariti yemashoko ekuzivisa peji kana kukosha kwehutsigiti yeimba inogara iri yakakwirira.
Muenzaniso wakakosha muenzaniso: Inishuwarenzi yako ine muganhu wemari kana mari
Heano muenzaniso wemiganhu inokosha painishuwarenzi yako uye kuti ingakanganisa sei kudai:
Imbuya vaMaria vakapambwa, uye mbavha dzisina kungotora zvishongo zvese uye sirivha asiwo dzakagadzirwa ne $ 1,500 mumari iyo mbuya vake vakanga vachichengetedza pasi pomudzimai wake kuitira zuva remvura.
Apo mbuya vake vakaita bhizinesi, vakapa humwe hunodikanwa hwaidiwa kuti aiva ne $ 1,500 akavanzwa pasi petirasi; akaunganidza zvishongo zvake zvekuyera zvakawana $ 16,000; uye vakapa zvinyorwa zvesirivha izvo zvakawedzera kusvika ku $ 6,000. Akazvipa izvo zvaanotaura zvichinja nokuda kwehuchapupu hwake hwemafomu ekurasikirwa uye kuverenga uye akafunga kuti ane chivimbo chokuti aizobhadharwa $ 23 500 sezvo ichi chaiva kurasikirwa kwake kwechokwadi .
Ambuya vaMaria vanoti $ 23 500 nokuda kwebba, asi kambani ye inshuwarisi yakamubhadhara $ 4 200! Chii chakaitika?
Pasinei nemapepa emhando dzose uye uchapupu hwekukosha kwezvinhu zvakabiwa, mbuya vaMaria vanongodarika $ 200 yemari, $ 2 500 yevhavhavha uye $ 1,500 yezvishongo zvekunamata: inenge $ 4 200. Chikonzero chaakawana mari iyi chete ndeyekuti idzi dzaive mari yakawanda inobhadharwa sezvinotsanangurwa mudiki kudhindwa kwe "Special Limits of Liability" painishuwarenzi yake yeinishuwarenzi. Kwakanga kusina kuipa, chete kushaya kunzwisisika kwakanyanya kune izvo inshuwarisi yakavharwa.
Chikonzero nei iwe usingakwanisi kubhadhara zvakakwana kubba kwemari uye zvimwe zvinhu pane inshuwarisi yako
Pamusana pemiganhu inokosha yeinishuwarenzi pamari uye kuti Maria Ambuya vainge vasati varongedza zvishongo uye sirivha kune mutasvi kana kubvumirana kwakasununguka , mbuya vaMaria vakanga vava kutova muhomwe zviuru zvemadhora pamusana pemusiyano pakati pehuwandu hwakabirwa, uye iyo yakawanda inobhadharwa pamusana pemiganhu inokosha.
Kambani yeInishuwarenzi ichabhadhara chete kusvika kumiganhu inokosha mukontrakiti
Mhuri yakatsamwa nokuti vaifungidzirwa kuti vakatsinhaniswa uye vakavhiringidzika nehushuwarisi, asi mashoko acho ose aiva mumiganhu inokosha. Imbuya vaMaria havana kuita chero chakaipa, uye akanga ane ruzivo rwese kuti aratidze kuti yakawanda sei.
Icho chakanga chisina basa. Kambani yeinishuwarenzi ingadai isina kumbobhadhara mari iyo nokuti mitemo yavakatenga haina kuifukidza. Kambani yeInishuwarenzi ichabhadhara izvo zvavakabvumirana kubhadhara mukati memvumo.
Izvi zvingadai zvakagadziriswa zvisati zvaitika dai vakatsvaga miganhu inokosha ye inshuwarisi pavakatenga purogiramu kana kuongorora tsanangudzo yezvekuvandudzwa neavo vamiririri veshuwarisi kuti vawane pamusoro pekuwedzera inshuwarisi vanotasva kana kuwana kuwedzerwa kwekugoverwa pane fomu yepamutemo yenzira.
"Zvikwereti Zvikwereti Zvemhosva" iyo mari yakawanda sei iwe unogona kubhadharwa mukutora
Pasinei nokuti une Renters Insurance, Home Insurance kana Condo Insurance policy , pane nguva dzese dzakachengetwa mukati memashoko ezvematongerwo enyika izvo zvichatarisa mari yakawanda yaunowana kubhadhara. Vanhu vazhinji vanotarisa mari yekuchengetedzwa kwehupfumi, kana kuti pfuma yehutengo yehushuwarisi uye funga mari iyo yakanyorwa pane peji rekuzivisa sehomwe yega yega ichabhadharwa mukutora, asi ichi chinhu chikuru chisina kururama.
Mutemo wega wega une mitemo yakananga yemitemo uye nguva iyo vanhu vakawanda vanoziva kuti iri panguva yekutsvaga.
Sei kune mitsara inokosha pane zvimwe zvinhu pamishuwarenzi yemhuri?
Kupa miganhu inokosha pamishuwarenzi mazano anovimbisa kuti mari yehushuwarisi inoramba iine mari yevanhu vose.
Mienzaniso inokosha kazhinji inogadzirisa zvinhu zvakakosha kuti "muyero" munhu angave akaita kuti pane zvakawanda zvakakwana zvekugoverwa zvakapiwa, asi izvi zvine chokuita nemararamiro evanhu.
Zvakakoshawo kuyeuka kuti zvikamu zvakakosha pane zvimwe zvinhu zvaive zvakarongeka panguva iyo mararamiro aive akasiyana uye mararamiro akanga akasiyana, uye kunyange mamwe emiganhu yakarongedzwa, havafungi mararamiro ezuva ranhasi, kunyanya munzvimbo teknolojia yevanhu vanhu vanozvipira kana vanozvipira.
Muenzaniso wakanaka weiwo wakaitwa muganhu wemuganhu unogona kunge uri mutemo unorema mari yakawanda inobhadharwa ne $ 200 kana $ 500. Munhu haafaniri kuva akapfuma kuva nemazana mashoma madhora mumari, fungidzira kana iwe ukashandisa izvi kune imba ine vanhu vashomanana vanogara mairi. Zviri pachena, muganhu ungasave wakakwana. Kune chikamu chikuru, inofungidzira vanhu vari kushandisa mabhangi kuchengetedza "mari yakawanda" - mubvunzo ndechipi mari yakawanda yemari? Inishuwarenzi mitemo yakagadzirirwa kutarisana nezviyero zvido. Kana iwe uri kunze kwekufungidzira kwawakaita, iwe unofanirwa kuongororesa zvaunoda.
Kuti tinzwisise izvi zviri nani, regai titarise ruzivo rwezvimwe zvemiganhu yakakosha inowanika muhutano hwemishuwarenzi.
Ndekupi kwamunowana mitsara inokosha painishuwarenzi yako?
Tisati taenda pane izvo zvikamu zvakakosha, zvinogona kubatsira kuziva kuti unogona kuwanika pahutano hwako pachako. Kushandisa muenzaniso weH HO-3 mutemo kubva kuInsurance Institute, pasi peHeading "Coverage C: Personal Property". Imba yako, condo kana renters inshuwarisi yehurumende inotevera maitiro akafanana uye ichava nemiganhu yako yakakosha mune chikamu chakafanana.
Kambani yese yveshurenzi yakasiyana. Mamwe makambani anopa nzira dzekukwiridza miganhu yakakosha, nokupa mafomu emapscale mapurogiramu kana zvibvumirano. Iyi ruzivo inogona kushandiswa senhungamiro yekukurukurirana nezvekunetseka kwako neyemumiririri weinishuwarenzi uyo anogona kuongorora mimwe mitemo yakatarwa yezvakagadziriswa mubumbiro rako, kana kuti anogona kukwanisa kukupa purogiramu iri nani nemiganhu yakakwirira.
10 Zvose Zvinowanikwa MuInishuwarenzi Yako Unofanirwa Kuziva
Heino urongwa hwemagariro anokosha einishuwarensi inobhadharwa mukutsvaga pane zvimwe zvinhu mukati memishonga yako yveshuwarisi. Ichi chaingova shanduro yemiganhu yepamusoro; mutemo wako une zvakawanda kupfuura zvinhu izvi mukati memiganhu uye zvisingawaniki. Izvi zvichakupa pfungwa yakawanda yezvinofanira kutarisa. Nemhaka yokuti miganhu inokonzerwa nekambani kuenda kune imwe kambani, zviyero zvekuregererwa hazvina kunyorwa.
Kambani imwe neimwe yakasiyana, izvi zvinokanganisa zvingave zvakakosha kana une zvinhu izvi. Iva nechokwadi uye ubvunze pamusoro pekuti vati vakafukidzwa, kuti vanotsanangurwa sei uye vashoma:
- Mari, Mari, mabhizinesi, mari, masimbi anokosha akaita segoridhe nesirivha uyewo makadhi akachengetedzwa uye makadhi akachenjera
- Zvivimbiso, nhoroondo, zviito, uchapupu hwekwereti, tsamba dzekwereti, manotsi, zvinyorwa, zvinyorwa zvemunhu, mapasipoti, matikiti, uye matampu
- Ndejeti (zvichienderana nemiganhu yakawedzerwa mumashoko ekugadzirisa mazano) kusanganisira vatengesi vavo, midziyo, zvigadzirwa uye injini dzomukati kana motokari
- Makoreji kana semitrailers asina kushandiswa ne watercraft
- Pane muganhu wepamusoro wemari inobhadharwa yezvishongo, maziso, furs, anokosha uye mashoma-matombo anokosha apo akarasikirwa nekuba. Ichi ndicho chirevo chinonyanya kuzivikanwa kubva apo vanhu vachiri kuisa mari mumaziso anokosha uye mabhandi, chinhu chakanyanya kuve chiri chindori chemuchato. Mamwe makambani emishuwarisi anotopira inshurensi yakanyatsoshandiswa pamhete dzechato apo maitiro avo ari akakwirira zvikuru kana achienzaniswa nezvayo zviri mukati. Semuenzaniso, kunyange zvazvo zvichibvira kuti munhu ane $ 50,000 vashandi vematareji uye mari ye $ 25,000, haisi nguva dzose inonzwisisika kune kambani ye inshuwarisi pasi pevashandi kuti vatsigire mhete inokosha inenge hafu yehuwandu hwehuwandu hwese hwevanhu zvinhu. Pane zvingasarudzwa zviripo mumatambudziko aya kutenga inshuwarisi yakasiyana-siyana kana mutasviki ane makambani e-inshuwarisi epamusoro-soro kana kunyange jewelry mabhizimisi akadai.
- Sirivha, ndarama, uye platinum-ware kana kuti yakavhara kana yakarasikirwa nekuba. Kunyange zvazvo zvinhu izvi zvisingazivikanwi sezvazvaimbova pane vanhu vazhinji, vanhu vazhinji vane zvinhu zvavakagara nhaka, uye kufunga kunofanira kupiwa kune zvinhu izvi kana iwe uchifunga nezvezvaunoda kuvhara.
- Zvipfuti nemidziyo yakabatana apo yakarasika nebavha
- Nezvipfeko zvinoshandiswa zvebhizimisi, izvi zvinowanzova nemiganhu miviri, imwe yayo iri "Pazvivako" uye imwe iyo "iri kunze kwezvivako." Muganhu unosiyana zvikuru asi unogona kunge wakaderera ne $ 500 kubva panzvimbo. Kana izvi zvikashanda kwauri, iwe hauzodi kungobvunza nezvemiganhu inokosha asi inogona kuva nehanya nekuregererwa mumutemo usingakubvumiri vebhizimisi rekugara. Kumhanya bhizinesi kubva kumba kwako, kunyange nekoduku, kunogona kuita kuti inshuwarisi yako isakundikana kana iwe usina kuzvizivisa, zvichienderana nesangano rekambisi ye inshuwarisi pamabhizimisi emisha. Iva nechokwadi uye kurukura izvi neinishuwarenzi yako kana iwe uine chero mari inobva pakushanda kubva kumba. Zvakakosha nokuti hazvirevi chete muimba asiwo muhutano hwako hwemhosva .
- Cherechedza zviduku pane zvipenyu zvezvinhu izvi Bicycles nemitambo yemitambo, Mobile Devices - mafoni, mahwendefa, nezvimwewo Uyewo Computers, Gaming Devices, madivaysi eElectroni uye software yakabatana
- Unyanzvi Hwakanaka, Collectibles, uye kuunganidza. Zvinhu izvi zvingave zvisingaoneki muChikamu Chinokosha cheInishuwarenzi asi chinogona kuiswa kunze kana kukwaniswa kune zvimwe zvikamu zvemashoko. Kana iwe uine mhando dzakasiyana-siyana, unyanzvi hwakanaka kana zvikamu zvemhando ipi zvayo, taura ne inshuwarisi yako pamusoro pechinyorwa chezvinyorwa zvekugadzirisa zvichave uye uone kana kuvharidzirwa kusingakwanisi kana kusabviswa. Pane mitemo yakagadzirirwa kuti ifukidze vanhu vane zvinhu izvi zviri nani, saka zvakakosha kukurukura kana mune chimwe cheizvi kuti uwane zvaunogona kuita.
Ndiyo ruzivo rwakakosha sekuda kudzidziswa mune zvekuda here?
Iyi miganhu haisi yekuvhiringidzika nemabhadharo; iyo inokonzerwa ichashandiswa kune zvinhu izvi mukutsvaga kunze kwekunge zvakataurwa zvimwe muhuwandu hweinishuwarenzi yako.
Ko yose inishuwarenzi ine mitemo yakakosha pane zviri mukati kana pfuma yako?
Hungu, makambani ese einishuwarenzi ane zvinyorwa mumashoko anogadzirisa mari inokwaniswa kune zvimwe zvinhu. Zvisinei, kunyange zvazvo makambani ose ane mitsara inokosha, haasi yose yakafanana. Imwe kambani inogona kupa mimwe mitemo yakakosha. Dzimwe makambani anokwanisa kupa maitiro akasiyana-siyana okusarudza kubva kuti kuitira kuti kana muteresi asingatsvaki miganhu yakakwirira, vanogona kusarudza mutemo unodhura.
Kurukura Zviyamupinyi Zvikuru MuInishuwarenzi Yako Inogona Kukuchengetedza Mari
Kutora nguva yekudzokorora mitemo yako yakakwanisa kunogona kukuchengetedza mazana emadhora mubhadharo yaunobhadhara painishuwarenzi yako gore negore, uyewo kuti iwe unobhadharwa zvakadini kudai:
- Zvichida hauna chimwe chezvikamu izvi zvakakosha, naizvozvo zvinokubvumira kutora chinangwa chepamusoro;
- Zvichida iwe unoda mamwe inshuwarisi nokuti iyi mitemo inokosha ine hanya newe. Iwe chete iwe unogona kugadzirisa izvi mushure mokukurukurirana neimumiririri wako wehushuwarisi
Usabhadhara yunishuwarenzi iwe usingadi, uye usatema makona kuti uchengetedze mari pane inshuwarisi nekusaisa zvinhu izvo zvinokosha kwauri.
Ambuya vaMaria vangadai vakabhadharwa zvizere mumutsara wavo kana ainge atora nguva yekuwedzera vatasviki kana kuvabvumirana. Anogona kunge akatoita zviri nani nekusarudza mutengo wepamusoro-soro panzvimbo yemutemo wekutanga wepamusha usina kumuvharira zvachose apo iye pakupedzisira aida kuita izvozvo.