Chii chiri Peji yeChishopiti cheInishuwarenzi?

Kunzwisisa Dheji Yacho Page - Zvaunofanira Kutsvaka uye Nei Zvakakosha

Chii Chinozivisa Peji Inishuwarenzi?

Tsanangudzo: Peji yeInishuwarenzi Yokuzivisa ndiyo inyandiko inowedzera chikamu cheinishuwarenzi yako , iyo inowanzonziwo "DEC" peyvesiti yako yveshuwarisi. Inishuwarenzi yeChishopiti Peji inowanzove ine mashoko anotevera:

1. Ndiani anishuwarenzi
2. Chii chinonzi insured
3. Iyo inobhadhara sei (rudzi rwekugovera)
4. Ko yakawanda sei iyo inofanirwa (inodiwa mitemo)
5. Inguva yakareba sei inishuwarenzi inoshanda (yakakodzera uye nguva yekupera)

Imwe inshumo yekuzivisa inshuwarheni inobudiswa kune inishuwarenzi mutsva uyewo kune rimwe zuva rekuvandudza.

Peji yeDED ndiyo kazhinji peji yekutanga ye inshuwarisi; inorondedzera miganhu yakakura uye zvinyorwa mubvumirano yako.

Inogona kutarisa mapeji mashoma kana uwandu hwezvinyorwa zvawakakumbira kutora mapeji anopfuura rimwe kuti uwandise.

Chii Chinonzi Insurance Annlaration Page Yakashandiswa?

Inishuwarenzi yekuzivisa peji yako inoshandiswa sechidimbu chekuvharidzirwa uye mamiriro epurogiramu yako yunishuwarenzi. Inishuwarenzi mitemo ine mapeji akawanda. Kutarisa kumativi ose mapeji kuti unzwisise nheyo dzemishonga yako yveshuwarisi ingangove yakaoma. Iyo peji yehuturo yekuzivisa inojekesa iyi nzira nekupa iyo inshuwarisi purogiramu mubati wekutarisa kwepfungwa huru yehushuwarisi yavo mune imwe nzvimbo saka zvose zvinonyatsorondedzerwa pamwe chete nemitengo inosanganiswa nemabhuku ekurongwa ari papeji.

Ndeapi Mashoko Akabatanidzwa Pamusoro peInishuwa Yekuzivisa Peji

Inishuwarenzi yekuzivisa peji inowanzosanganisira mashoko anotevera:

• Inhamba yeinishuwarenzi nhamba
• Zita nekero remuiti wepurogiramu
• Uyo anonzi Bhizimisi Ainzi Akarongwa pamusoro pemutemo ndeye
• Iko kambani yeinishuwarenzi zita, kero nemashoko ekukurukura
• Ruzivo runodikanwa kutaurira kudai
• Kuzivikanwa kweimba yehupfumi
• Ndezvipi zvinyorwa zvinosanganiswa
• Mhando ipi yekugoverwa kwemutemo ndeyekuti , semufananidzo wepurogiramu, seMwene weimba HO-3 kana kuti Condo fomu, mumamiriro emotokari kana inogadziriswa rudzi rwematongerwo enyika ruchagara rwuri kutaurwa.

• Zviyero zveinishuwarenzi kuburikidza nekugoverwa, semuenzaniso Maitiro ekugara kwemisha
• Deductibles per coverage
• Kutsigirwa nemiganhu uye kunotswa
• Mutemo unoshanda zuva uye nguva yekupera (Inguva yakareba sei Inishuwarenzi inoshanda)
• Kurudzirwa uye kuwedzera
• Purogiramu Chikamu mashoko
• Mutengo weinishuwarenzi, inozivikanwawo seyo premium
• Kuwedzera Kunonzi Insureds, zvakadai semari, Mortgage, Companies Leasing, mabhengi emari yemotokari, kana chero munhu upi zvake ane chido chekuchengetedza muimba nemhaka yekupa mari kune imwe nzvimbo.
• Zvikamu zveMhosva

Nei Inopupurirwa KweInishurenji Inokosha?

Inishuwarenzi Declaration peji ndiyo chikamu chakakosha che inshuwarisi yako nokuti:

• iyo inotarisa mabhuku makuru ekutungamirira anotungamirira kune kuti mari ichabhadharwa sei
• izvo zvidimbu zvikamu zvechikamu chimwe nechimwe chemurairo
• inosanganisira mapurogiramu anotengesa kugoverwa kwawakatenga

Pepanhau rekutaurira rinoteverwa nechechipiri chikamu chakakosha chepurogiramu yako, mazwi ekutaura ayo anotsanangura imwe neimwe yemashoko anowanikwa papeji yeD DEC uye kuti inoshanda sei mukutsvaga.

Ndechipi Kusiyana pakati peInishuwarenzi Binder neInishuwarenzi Yokuzivisa?

Iyo peji yekuzivisa inshuwarisi chikamu che inshuwarisi yako.

Iwe uchagamuchira iyo kamwe apo inishuwarenzi yako inobviswa, mushure mekudzivirira kwe inshuwarisi . Inishuwarenzi yekuzivisa peji yako inofanirwa kumiririra ruzivo rumwechete rwakatumirwa kwauri pane binder ye inshuwarisi. Binder ye inshuwarisi yaive chiitiko chechinguvana chinoreva kurondedzera kugoverwa kunosimbiswa apo iwe unogamuchira inshuwarisi yako yekuzivisa peji nemashoko ezvematongerwo enyika.

Chii Chaunofanira Kuita NeInishuwarenzi Chiziviso Peji?

Iyo peji yehuturo yehuturo ine zvinyorwa zvose zvinokosha maererano nekambani yako yeinishuwarenzi, kusanganisira iyo yakafukidzirwa, rudzi rwekuvhara kuitira kuti iwe ugare uchidzokorora yako inshuwarheni yekuzivisa peji kuti uone kuti zvinhu zvose zvakarurama sezita rako, kero, uye inishuwarenzi yakawanda. Iwe unodawo kuve nechokwadi kuti rudzi rwemutemo ndeyechokwadi chawakakumbira.

Kuchengeta Inishuwarenzi Yenyu Mapepa uye Mashoko pamusoro peChangamidzo Peji Yenyu

Matambudziko anowanzowanikwa pamapurusi ekuzivisa mapurisa angangosanganisira zvikanganiso, sezita risina mabhii kana kuti somuenzaniso, kana iwe wakakumbira mutemo wePure Perils uye kambani ye inshuwarisi inogona kubudisa njodzi mutemo weNamed Perils.

Iwe uchakwanisa kuwana ruzivo urwu pane peji yako DEC. Mumwe muenzaniso uri mumotokisi yemotokari, kana iwe munhu akakumbira kuti awane deductible, uye uwane purogiramu pamwe chete nezvisina kukodzera deductible.

Kana ukawedzera kugoverwa nekubvumirwa , izvi zvinofanirawo kuonekwa pane peji yechipatimende ye inshuwarisi.

MuInishuwarenzi Yenyu Yokuzivisa Peji Inodzokorora Zvauri Mhemberero

Zvese zvawakakumbira kana kubvumirana nazvo apo unogamuchira mvumo yako mitsva inofanira kuonekwa pane peji yekuzivisa. Izvi zvinomiririra zvaunofanirwa kuita, saka nyatsoongorora zviri pachena uye usatya kutya kubvunza mibvunzo. Kana wapedza kubvunzurudza hurongwa hwako, iwe unofanira kuchengeta inshuwarheni yako kuzivisa peji munzvimbo yakachengeteka, iyo chikamu chekambani yako yeinishuwarenzi.

Nzira Yokuona Nayo Inishuwarenzi Yenyu Yakagadziriswa Page

Uchishandisa urongwa huri pamusoro apa, unogona kutarisa zvikamu zvose zveinishuwarenzi yekuzivisa peji. Iva nechokwadi chokuti zvinhu zvose zvakafanana sezvaunotarisira uye kana iwe usinganzwisisi izwi, kana chimwe chinhu chisingaiti chinoshevedza nhengo yako kana murengeti wemubhizimisi kuti ajekesise. Inishuwarenzi yekuzivisa peji yako inoda kuverengwa mutsara nemutsara kuti uone kuti hauna dambudziko mumutsara.

Mienzaniso yekuongorora Inishumo yeInishuwarensi:

1. Janet aida kuziva kana aive nekukwanisa kwakakwana kuvaridzi vemunishuwarenzi yeimba yake. Akakwanisa kuona nyore nyore mari yekuvhara pa inshuwarisi yekuzivisa peji, iyo yaiva peji yekutanga yeimba yake yerinishuwarenzi.
2. Maria akaverenga kuburikidza nehushuwarisi yake yekuzivisa peji kuti ave nechokwadi chokuti zvose zvaakange akumbira zvakanga zviri pamutemo pawakasvika. Akacherechedza kuti kuchema kwake kwemaawa kwakanga kusiri pamutemo. Akamushevedza, uye akafara kuziva kuti yakasara kubva pangozi. Imwe nguva iyo yakawedzerwa, yakagamuchira peji itsva yekutaura iyo yaisanganisira kubhadhara uye mutengo wakaderera. Aifara kuti akaongorora zvose zvese paakawana purogiramu yake itsva.
3. Frank akawana kuvandudzwa kweshuwarisi yake. Akaverenga Inishuwarenzi Peji Peji kuti aone kana zvose zvakanga zvakafanana negore rakapfuura. Zvose zvakaratidza zvakanaka, kunze kwekuti akaziva kuti chikwereti chakanga chichiri kuverengwa uye akanga abhadhara imba yake gore rapfuura. Akadana mumiririri weinishuwarenzi uye akaudzwa kuti pakarepo paaigona kutumira uchapupu hwaainge abhadhara mari yake, vaizotora chikwereti kubva pamutemo. Vaifara kuti akadana nokuti zvimwe, mukutaura, cheki yaizoitwa kwaari uye kubhangi. Akanga anofara nokuti iye zvino zvaakanga atenga chikwereti chake, aivewo akakodzera kubhadhara chikwereti.