Chii Chinogadzira Imwe Inishuwarenzi Ikambani Inodhura Kupfuura Mumwe?

by Mila Araujo

5 Zvinhu Zvokutarisa Paunoita Inishuwarenzi Imari Kuenzanisa

Pamusoro pezviitiko munyika ye inshuwarisi, pane zvakawanda zviri kuitika nehurumende yechushuwarisi pane zvatinoziva. Apo kuedza kuita imwe yemutengo wehushuwarenzi inobatsira kuva nemamwe mazano ekuwana kutsvaga. Tinonzwa nezvazvo nguva dzose, munhu mumwe chete anoita kunge ane unhu hwakafanana newe, imwe yemotokari, yemhando yakadaro yemusha, kuripa zvishoma (kana zvimwe zvakawanda) mu inshuwarisi. Zvinogona kuita kuti iwe unetseke, kana zvinhu zvose zvakafanana, chii chinoita kuti kambani ye inshuwarisi inodhura kupfuura imwe?

5 Zvinhu Zvinogadzira Rimwe Inishuwarenzi Ikambani Inodhura Kupfuura Mumwe

01 Kupedza Mutengo weInishuwarenzi Nezvikwereti uye Nokugadzirisa Zvikanganiso

Iwe unofunga kuti apo iwe unyoresa kune inishuwarenti iyo yose inogona kuwanikwa purogiramu inotarisirwa uye yakanyatsoshandiswa pamutemo wako, asi dzimwe nguva pane zvikwereti zvaunokodzera kuti izvo zvisingashandiswi nokuti iwe unokodzera kwavari 't pachena.

Mitemo Yakagadziriswa Inotarisana NeInishuwarenzi Yese Yega

Imwe kambani yeInishuwarenzi ine zvikwereti zvakasiyana Apo imwe kambani inogona kupa 10 kubva muzana mukana wekusabvumirwa, imwe inogona kupa 30 muzana. Kana, semuenzaniso, apo imwe kambani inogona kupa zvikwereti zvisingabhadharwi zvinyorwa pashure pemakore matatu nemishuwarenzi yemusha, mumwe angagona kumirira kusvikira 5. Hapana nzira yokuti iwe uzive kuti zvii zvingabhadhara iwe unogona kuwana (kana kuti kwete kuwana) kunze iwe unobvunza.

Imwe muenzaniso: imwe kambani yveshuwarenzi inogona kupa tsvina yevheji yemvura yakasimudza, iyo ndiyo chigadziro chakanaka chekubatsira kuchengetedza kushandiswa kwemvura kuchengetedza zvinodhaka , asi imwe inogona "kungosanganisira" chikwereti ichi mumitengo. Paunoshandura kubva kune imwe kambani yveshuwarenzi kune imwe, kana uchitaura izvi zvakakanganwa, iwe unogona kukanganisa kuwana mari yako yekuwedzera yekudzivirira kukanganisa kwemvura.

Chimwezve chinyorwa pamusoro pezvikwereti: Gore roga roga kana vashandi vanoongorora zvikwereti zveinishuwarensi uye kurashikirwa, kunyora pasi kunogona kuchinja . Kana iwe ukagara nekambani imwechete gore negore, hurongwa hwako hunogona kuvandudzwa kunze kwekurasikirwa kwitsva kana zvikwereti zvakaratidzwa kubvira apo mutemo wako wakanyorwa.

Kushaya Ruzivo kana Zvikanganiso MuUshuwarisi Wenyu Chikumbiro Chingawedzera Mari Yako

Kwete kuvandudza ruzivo rwako gore roga roga nemuimiriri weimiridzi weu inshuwarisi anogona kukubhadharira mari nekuti pane mamiriro matsva anouya angakwanisa kukukwanisa kuti uwane zvekuripira zvakare. Paunoshevedza mumwe munhu kuti atore mashoko matsva, vanowanzowana ruzivo rwemazuva ano , asi kambani yawave nayo kwemakore mazhinji ingave yakashaya chimwe chinhu.

Kukanganisa Kwevanhu Kunokubhadhara Mari Pamushuwarenzi

Kazhinji kacho kusiyana kwekambani yekambani yveshuwarenzi uye imwe inogona kunge yakakosha sei mutariri (kana iwe, pane iyo inishuwarenzi inotsanangura mashoko ) yakazadzwa nemashoko.

Pose paunowana purogiramu kubva kune kambani yemishuwarenzi iva nechokwadi uye uongorore ruzivo rwakashandiswa kuwana mutsara. Dzimwe nguva unogona kuona nzvimbo uko mashoko asina kukwana. Izvi zvingakuita kuti uwane kodzero yemari yakasarudzwa.

02 Inishuwarenzi Nekubhadhara Chikwereti Kunogona Kuponesa Mari PaInishuwarensi Yenyu

Dzimwe makambani einishuwarenzi angakupa mukana wekushandisa yako chikwereti chikoro kuti ubatsire nemutengo we inshuwarisi. Makambani eInishuwarenzi ari kuita izvi zvakare nokuti nhamba dzakaratidza kuti vanhu vane zvikwereti zvakanaka zvekwereti vane zviduku zvishomanana. Apo vanhu vane zviduku zvishoma, vanogona kubhadhara mari shoma yeinishuwarenzi yavo.

Iwe unogona kudzidza zvakawanda pamusoro pechinhu icho kambani yemishurenzi ichatarisa kuti idzike kana kuti iwedzere matengo zvichienderana nekwereti yekwereti munyaya yedu: Ndeupi Insurance Insurance Scoring kana Insurability?

Kana iwe uine chikwereti chakanaka chekwereti uye yakanaka yveshuwarensi yekodzero, kuwana kota kubva kune kambani inoshandisa inshuwarheni chikoro scoring inogona kuita kuti inshuwarisi yako isanyanya kudhura.

03 Inishuwarenzi Mutengo Mutengo Wokuenzanisa: Coverage Options uye Perks

Makambani eInishuwarenzi anowanzova nezvikamu zvakasiyana-siyana zvekugovera kupa vashandi vavo. Kubvunza mibvunzo mikuru pamusoro pezvaunogona kusarudza kunogona kutsanangura kuti nei imwe sangano ingave inodhura kupfuura imwe.

Iva Nechokwadi Wokuti Unobvunza Nezvezvivigiro Nezvidimbu:

Deductibles
Basis of Claims Settlement ( Zvechokwadi Cash Value vs. Replacement Cost )
Exclusions
Mitsara inokosha yeInishuwarenzi
Ndeipi ngozi dzinowanikwa (Open Perils vs. Mazita Akanyorwa)
Inishuwarenzi yakawanda yehutori iwe unahwo

Mamwe makambani einishuwarenzi anopawo zvinhu zvakasiyana-siyana kana zvinobatsira. Mari yavo inogona kunge yakakwirira asi zvino zvikomborero zvaunowana kubva kwavari zvingakosha.

Iko Inishuwarenzi Yenyu Inobatsira Here?

Mamwe makambani einishuwarenzi angave akabatanidza zvikwata zvakafanana:

Mugwagwa rubatsiro
Kuzivikanwa kubavha kudzivirirwa
Coverage for Zvipfuwo
Legal Assistance

Iva nechokwadi chekuti zvikamu zvaunenge uchiwana nehutano hwako zvinotsanangurirwa iwe kuitira kuti iwe ugone kusarudza kana iwe uchifara pamusoro pezvinhu zvinenge zvichidiwa, kana kuti unoda kutora mutemo usina ivo.

04 Kuenzanisa Mutengo Wako Nokubatanidza Mitemo yeInishuwarenzi

Munhu wese akambonzwa kuti kuisa sei imba yako nemotokari yunivhesiti nekambani imwe inogona kukuchengetedza mari, asi kubatsirwa kwekubatanidza imba yako nemotokari mune imwe nzvimbo zvakanyanya kupfuura kungoita kuwana zvishoma.

Apo kambani ye inshuwarisi inochengetedza mitemo yakawanda iwe, kana kunyange kune dzakawanda dzemhuri yako, pane mukana mukuru wekuti mutengo we inshuwarisi yako inogona kutaurirana .

Ukama Hwokugona Kutungamira Kukurukura Mitengo Dzakanaka

Isu tinowanzofunga kuti mutengo we inshuwarisi wakanyoresa semutengo watinowana pane imwe yepeji, uye inogona kuva. Zvisinei, kana uine ukama newaini yako kana inshuwarisi mutengesi, vanogona kutarisa mufananidzo mukuru, wakafanana:

nguva yakareba sei iwe wakanga uri nekambani ye inshuwarisi
mazano mangani aunayo navo
vanhu vangani vawataura

Vanogona kunge vachikwanisa kuenda kundokutengai kuti uwane mutengo wakaderera pane inshuwarisi yako.

Rimwe ruzivo rwekubatanidza inishuwarenzi nderokuti kana iwe ukapinda mumatambudziko kana uine mamiriro ezvinhu akaoma seimba isina munhu, kana kupedzisira uine zvinyorwa zvese kamwe kamwe, iwe une ukama hwakasimba nekambani yeinishuwarenzi kuti uwane zvakawanda apo inyanzvi kana mutengesi anotaurirana pamusoro pako nokuda kweinishuwarenzi inodhura.

Tarisa Mutengo Wakawanda Wese Wenyu Inishuwarensi Paunenge uchienzanisa Premium

Pakupedzisira, paunosangana nemishuwarisi yemotokari uye imba yemishuwarenzi mazano nekambani imwe chete, unogona kutarisa mutengo uri kuripa iwe wose. Dzimwe nguva imwe nzira inogona kunge inodhura nekambani imwe yveshuwarenzi, asi paunotarisa mutengo wakabatanidzwa we inshuwarisi yako, inopedzisira isisina huwandu mune imwe nzvimbo.

05 Inishuwarenzi Inoshuva Inosangana Nezviitiko uye Inowedzera Inowedzera

Iko yepainishuwarenzi ndeyekuti kambani yeinishuwarenzi inokupomera iwe nokuda kwenheyo yako. Kana kunyora pasi uye kuongororwa kwekambani imwe kambani yveshuwarenzi yakashandisa haina kukwana kuvhara zvikwereti zvavo zvakakwana kana kuti vari kutanga kuva vasina maturo ivo vachagadzirisa mitero yavo uye mitengo inodhura.

Kana paine kuwedzera kwakanyanya pakati pemakambani ese einishuwarenzi, mari inogona kuenderera mberi yakafanana, asi apo imwe kambani yveshuwarisi inoona kuti ivo vasiri kubhadhara premium yakakwana kwemakore akawanda, kamwe kamwe vanofanira kuwedzera mitengo kupfuura vamwe vose.

Izvi zvinotsanangura kuti sei ivo vachidhura kupfuura imwe kambani zvese kamwe kamwe.

Apo Kutenga KweInishuwarenzi Kunokupa Iko Kwokutanga

Dzimwe makambani emishuwarisi achapa zvikwereti zvematongerwo emitemo. Vanoita izvi kuti vakweve vatsva vese uye vangakupa mutengo wakaderera paunoshandura kwavari, asi mutengo wavo unogona kuchinja mushure mokunge purogiramu itsva zvisikwa zvisingachaperi, kana kana vakawana kuti vanofanira kuchinja mahara avo. Iwe unogona kunge uri nani pakurega kambani yako yemainshuwarisi ikozvino ichiziva kuti iwe unoda mutengo uri nani, uye vangangoderedza.

Nzira Yokuwana Nayo Yakanakisisa Inishuwarensi Kuburitsa

Kuwana mutengo wakaderera pane inshuwarisi yako inogona kunge yakanyengera. Kana iwe uri bhizimisi neine mujeri uyo anongomiririra imwe kambani yveshuwarisi, ipapo kutengesa kunogona kunge iri nzira chete yekuziva kana iwe uri kubhadhara mutengo wakakwana pa inshuwarisi yako nokuti mutapwa haatombogoni kuwana zvimwe zvinogadzirwa nemishuwarenzi kukupa iwe . Kana iwe uchitarisana nevatengesi kana vashandi vanogona kumirira makambani emishuwarisi akawanda ipapo vanogona kukwanisa kutengesa iwe uye kutaurirana mutengo wakaderera. Iwe unopedza mari yakawanda painishuwarenzi, saka zvakakodzera kutengesa kumativi ose, uye kutarisa mazana ako nemazano mashanu pamusoro apa usati wabhadhara zvakanyanya inshuwarisi yako.