Inishuwarenzi inotsvaga ndiyo mari yemari yauchabhadhara muinishuwarenzi isati yatanga inishuwarenzi inotanga kukubhadhara iwe.
Ndiyo mugove wako wezvemari uye unoita chikamu chekambani yako yeinishuwarenzi. Iwe unofanirwa kuuya nemari yemari yako yakabviswa kare kudai kubhadharwa kubhadharwa mumamiriro akawanda.
Iwe unobhadhara yako yakabviswa uye kambani ye inshuwarisi zvino inobvumirana kukubhadhara iwe zororo (kusvika kumiganhu yemitemo uye mamiriro ekutaura).
Inishuwarenzi Deductible Basics
Muchikamu chino tichazadza zvese zvakasikwa zve deductible, unogona kupora pasi mumusoro kuti uwane ruzivo rwauri kutsvaga, kusanganisira zvinyorwa kune zvimwe zvinyorwa zvinotarisa mamwe mimwe mibvunzo zvakadzama kana iwe uchida.
Inishuwarenzi Inobviswa Sei?
Fungidzira Deductible seChikamu Chako che "Chiito". Paunotenga yunishuwarenzi iwe uri kuzvidzivirira pangozi dzisingatarisirwi dzemari dzinouya nenzira yekurasikirwa kana kukanganisa .
Nokutenga inshuwarisi urikukumbira kambani yveshuwarenzi kuti ive nemutsipa wako kana iwe uchitambura kukuvara kunogona kukukuvadza iwe mari. Uyewo, kambani yeInishuwarenzi inowanzoti, "Chokwadi, ndichakufukidza kana iwe uine kurasikirwa, asi iwe unobvumirana kubhadhara chikamu chekutanga chekubhadhara deductible?" Uchishandisa muenzaniso we $ $ 500 inobviswa, iwe unoti, "Chokwadi, ndinokwanisa kubhadhara $ 500 yekutanga kurasikirwa, kana iwe uchikwanisa kubhadhara zvimwe." Vanokuudza kuti vachakubhadhara zvakawanda sei zvichienderana nekuwanda kwengozi yaunenge uchida kuzvifukidza iwe pachako.
Chikamu chemukana waunopfeka ndicho chakakonzerwa.
Unowanowana kupi Kwako Kuwanda Kwako Kunopedzwa?
Dhaka yako inofanira kunyoreswa sechikamu chemashoko nemitemo yesimboti yako pane peji yekuzivisa yehushandi yako yveshuwarisi Kana iwe usingazivi kuti chii chawakabvisa, kana kuti kupi kwaungawana, taura nemumiririri wekambani ye inshuwarisi uye uvakubvunze.
Iwe unofanirwawo kuvabvunza kana pane zvakasiyana-siyana zvekudzikinura pamamiriro ezvinhu akasiyana.
Mienzaniso yeDeductibles:
- Iwe unogona kunge wakagadzirirwa mumwe weimba yako uye zviri mukati mako, uye imwe yakagadzirirwa zvakasiyana kana chikonzero chekurasika chiri kudengenyeka kwenyika. Kudengenyeka kwenyika ye inshuwarisi kunowanzova nemiganhu yakawanda inobviswa.
- Mumwe muenzaniso wezvakasiyana-siyana zvinokonzerwa pamatongerwo ehurumende ndeyekuti iwe unobvumirwa kana mutasvi webato rako. Mutasvi waro angave asina ductible, kunyange zvazvo mamwe ose emutemo wako anoita. Ndicho chikonzero chimwe chekuti vanhu vazhinji vanotenga mutasvi, kuti vadzivise kudhakwa pane zvimwe zvinhu zvinokosha, ZVINHU >>
Ndiani anosarudza Kuti Deductible Iyo Ichava Ipi?
Sezvo munhu akatenga inshuwarisi, iwe unowanzova nesarudzo yehuwandu hwekudhakwa iwe uchave nawo. Iyo yakakwirira iyo yakabviswa, iyo yakaderera mari yeinishuwarenzi yako.
Iwe unogona kufunga nezvekudzikinurwa sewe self-inshuwarisi, chikamu chawakabvumirana kubhadhara.
Sezvakakurukurwa pamusoro apa, ndiyo chikamu chako chekutengeserana nokuti iwe unotora kuderedza kurasikirwa kwe "ngozi" .
Ipamusoro yehuwandu hwehuwandu hwaunoda kuvhara kuburikidza ne deductible, panjodzi duku yekambani ye inshuwarisi. Saka, vanoderedza mari yavo. Iko kubatana uko iwe nekambani yehushuwarisi vanobvumirana kugovana nengozi dzemari.
Chii Chisingakwanisi Deductible?
Purogiramu yako ingave ine zvishoma zvingawanikwa. Makambani emishuwarenzi anoda kuti iwe ubhadhara chikamu chako mumutsara, saka mumatambudziko akawanda, kambani ye inshuwarisi ichaisa zvishoma zvishoma deductible. Iwe unogona kuwedzera yako yakagadzirirwa kuchengetedza mari, asi iwe haugoni kuderedza iyo iyo kambani ye inshuwarisi yakagadzirisa zvishoma zvishoma deductible.
Ndezvipi Zviduku Deductible zveMamwe Inishuwarenzi Pfungwa?
Iko kunowanzoita zvishoma zvishoma deductible iyo inopesana nehuwandu hwematongerwo enyika. Somuenzaniso, mutemo weimba unogona kuva ne $ 500 zvishoma zvishoma deductible. Izvo zvishoma zvishoma deductible zvichasiyana nehurumende nemitemo.
Mamwe makambani anopa zero zvakakonzerwa kana kuti anonyangarika zvigadziriswa, saka iva nechokwadi uye ubvunze kuti basa rako rakagadziriswa sei uye kana pane zvishoma zvishoma zvinokonzerwa kana kuti sarudzo yekudhonza zero. Ingoyeuka, iyo yakaderera iyo yakabviswa, iwe unowanzobhadhara.
Verenga zvakawanda pamusoro peizvi pasi apa.
Ndingachengetedza Sei Mari NeDeductible ?
Kunyangwe iwe uchibhadhara zvimwe zvekutsvaga kana iwe une ductible yakakwirira, chokwadi ndechekuti vanhu havana zvirevo gore negore. Saka gore roga roga iwe hauna mvumo, uye wakatora ductible yakakwirira, iwe unogona kuchengetedza zvakanyanya se 20% kana 30% pane yako inshurensi mari.
Iwe unogona kudzidza zvakawanda pamusoro pokuti ungachengetedza sei mari nekuwedzera yako deductible pano . Iwe unogona kuchinja yako yakagadziriswa painishuwarenzi yako kuti yakwanise zvido zvako, kuwedzera kwayo kupfuura zvishoma zvingakuponesa mari. Izvo chete ndeyekuti iwe unenge uchitaura zvinowanzoitika, iyo iyo iyo inshuwarisi underwriters inogona kuisa iyo yakanyanya kuderedza iwe asi kwete kukupa kukura.
Mhando mbiri dzeDeductibles
- A deductible inogona kunge iri madhora akawanda
- A deductible inogona kuve yakarongerwa sepakati yechivakwa kana kugara kwekuchengetedzwa kwehutengo. Izvi zvinowanzoitika kune zvinyorwa zvakadai sekudengenyeka kwenyika kudengenyeka, kupisa kwemhepo nechimvuramabwe kukuvadza, kana pane zvinhu zvinogona kunge zvine njodzi dzakakwirira kana kuti kwete yemazuva emhuri inshuwarisi semisha isina misha.
Muenzaniso Wakajeka wekuti Deductible Works Sei
Somuenzaniso, kana wakabatwa, une $ 6000 yezvinhu zvebiwe, asi iwe une $ 1000 inodhakwa, iwe uchabhadhara $ 1000 yekurasikirwa uye kambani ye inshuwarisi ichabhadhara mari inosvika $ 5000.
Pane mienzaniso yakaoma yakawanda inogona kukubatsira kana iwe uri kutarisa pamusoro pezivo iyi nokuti unoda rubatsiro kutarisa kuti iwe unofanirwa kubhadharwa sei mukutsvaga, nyaya yedu pamusoro pemiganhu yakakwana yeinishuwarenzi uye kuti ingakanganisa sei kugadziriswa kwemhosva uyewo iite kubatsira.
Mhando dzakasiyana-siyana dzeInishuwarenzi Mitemo Inopa Mhando dzakasiyana dzeDeductibles
Inishuwarenzi inotungamirirwa nehurumende uye izvi zvinoshandiswa kumadhenari pamwe chete. Iwe unogona kukumbira mumiririri wako pamusoro pemitemo yako yehurumende kana kuti taura nehurumende yako inshuwarisi commissioner kuti unzwisise zvakajeka kuti mitemo inobata sei inobviswa munzvimbo yako.
Ko Deductible Inoshanda Sei Kudaidzwa?
Musha uye motokari yveshuwarisi inowanzoshandisa deductible pamusana pemhosva. Chirevo chaizova chiitiko chinokonzera kurasikirwa.
Pane Pfungwa Zvisina Deductible?
Vanhu vazhinji vakabvunza; "Ndingawana mutemo usina deductible here?", Pane mitemo ichakubhadhara kuitira kuti urege kubhadhara kana kuti inogona kukupa kuregererwa kwekuregererwa. A deductible purogiramu isina kubhadhara kana kunyange kutendeseka kwekuvimbika kunokwanisika.
Nzira Yokuwana Nayo Purogiramu Pasina Deductible
Iwe unoda kuchenjerera pamusoro pemamiriro ezvinhu ari pamusoro apa apo pasina ductible uye nguva dzose unobvunza kuti mutemo unorevei kunze kwekuregererwa, zvichienderana nehuwandu hwematongerwo emutemo.
Kana iyo inodhura yakafanana, zvino funga kuti inenge yakatendeka, kana chimwe chinhu chakanaka chemutemo wauri kutenga. Kana paine mari, zvinobva kwauri kana zvakakodzera nguva yako kubhadhara zvakawanda.
Pane humwe humwe ruzivo rwakanyanya munyaya yedu pamusoro pekunzwisisa ductible waivers uye kuti ungawana sei kuvimbika kubviswa .
Sei Ndichifanira Kubhadhara Vaviri Vanodzvinyirirwa?
Iwe unobhadhara rimwe chete rinobviswa pamutsutso, mumamiriro akawanda, asi nguva dzose paunenge uchitaura munguva yemutemo, iwe unofanira kubhadhara iyo yakakodzwa zvakare.
Kana iwe uchimhanya mune rimwe rombo rakaipa uye uine zviitiko zviviri zvakaswedera pedyo zvikuru izvo zvisingaenderani, kambani ye inshuwarisi ichaona ichi sezviitiko zviviri . Kana iwe une zvirevo zviviri mune rimwe demo remitemo, kunyange kana iri mazuva maviri ari oga, iwe unenge uchitorerwa chimwe nechiitiko. Iyo deductible iyo inoshandawo kune chimwe nechiitiko chiitiko, kunyange kana chikonzero chekukuvadza kwechirevo chimwe nechimwe chakafanana.
Ndinogona Kudzivisa Kubhadhara Vaviri Vasingakwanisi Here?
Nzira chete yekudzivisa kubhadhara mabhiriro maviri ndeyekuti iwe unoratidza kuti zviitiko zvaive zvakabatana kana zvakakonzerwa.
Makambani eInishuwarenzi akanaka kwazvo pakuona chikonzero chekurasikirwa, asi kana iwe uchifunga kuti vangashandisa mamwe mashoko pamusoro pemamiriro ezvinhu uye zvinogona kuratidza kuti zviitiko zvaive zvimwe uye zvakafanana, uye kwete zviitiko zviviri zvakasiyana, saka zvakakodzera kutaura izvi ne inshuwarisi yako adjuster,
Vanodzvinyirirwa muZvamato Zvikuru uye Njodzi
Pane zvipfeko apo iwe usingafaniri kubhadhara yako deductible, kana imwe chete inobviswa inogona kushanda, somuenzaniso:
- Nokuda kwekukuvara kwechimvuramabwe, iyo inobviswa inogona kushanda panguva imwe neimwe kana negore rekare. Semuenzaniso, Florida ndiyo chete nyika iyo inoshandisa gore rekarenda rinodzingwa nekuda kwe urricane inshumo zveshumo .
- Nokuda kwemvura inshuwarisi yekuti, pane zvingave zvakatsaurwa zvakasiyana zvekuvakwa kwako kwekuvaka uye zviri mukati.
- Apo iwe unochengetedza motokari yako neimba neye inshuwarisi imwe, uye iyo inshurensi yabvumirana iwe unongova neumwe chete unobviswa mukurasikirwa kunobata maviri. Ichi ndicho chakanaka chekuti imba yako nemotokari igare pamwe chete iyo inogona kuchengetedza mari painishuwarenzi mari .
Pane Deductible Inoshandisa Kuda Mhosva?
Deductibles haishandi kumotokari yemotokari uye kumba yemhosva yemhosva yemhosva. Zvinowanzoshanda kune kukuvara kwepanyama pamitemo yemusha uye yemotokari.
Utano Hwehutano Inopedzisira Uchishanda Sei?
Inishuwarenzi yehutano hutano inotora nzira yakasiyana, kunzwisisa nheyo dzehutano hwehutano hwehutano hwemashoko hunova hunokosha zvikuru paunosarudza nezvekuderedza. Iwe hausi kuda kuisa hutano hwako hutano nokuti wakatora chirongwa chehutano nechokukwirira chekudhakwa . Iwe unofanirwa kutenga inshuwarhu yako yehutano nekuti kunyange iyo yehutano inshuzha yemisika haisi nguva dzose ine mutengo wakanakisisa.