Imba yako inshuwarisi ine gwaro pamusoro pekugara; unoziva here kuti rinoshanda rini?
Iwe unoda kunzwisisa kuti sei imba yacho iri kutaridzirwa isina munhu, uye iva nechokwadi chokuti iwe unonyatsoziva nezvekuchinja kuchaitika paimba yako inshuwarisi purogiramu isati iripo, rega uende pamusoro pezvivako zvemisha isina munhu uye inshuwarano pano iwe vakagadzirira kuita zvisarudzo zvakanakisisa zvekuchengetedza pfuma pamwe nekutsvaga kwako apo imba yacho isina chaipo.
Vacancy Permit Tsanangudzo
Mvumo yeZororo ndeyekupihwa kunowanikwa kumutemo weimba yeimba inowedzera imba yako inshuwarisi yekuchengetedza kuvhara nekuchengetedza imba iyo isiripo. Chibvumirano chekugara kazhinji chinowanikwa kwenguva yakati chaiyo uye inoderedza kugoverana kune inshuwarisi yako. Imba inoonekwa seisina munhu uye inoda mvumo yekupa mhirizhonga painishuwarenzi iyo vagari vemusha vasingachagoni kurarama ikoko uye vasina vavariro yekudzoka, kana kana imba inenge ichangotengwa isati yagarwa. Chibvumirano chekugara chinobatsira kuve nechokwadi chokuti imba yako inoramba ichichengeteka munguva yekusarudzwa.
Iwe uchada kuzadza nzvimbo yekubvumira mubvunzo wemibvunzo yekukumbira mvumo yekugara. Pasina mvumo yekupa mvumo, imba isina munhu inogona kunge isisina kuvimbiswa nekuda kwechikonzero chemutemo wemwene weimba uye zvingaitwa zvinogona kurambwa.
Iko Kubvumirwa Kwebato Kuchinja Sei Musha Wenyu Inishuwarenzi?
Zvakakosha kunzwisisa kuti mvumo yekupa mvumo inoshandura chibvumirano cheshuwarisi.
Chibvumirano chekugara chinogona kukonzera kuvharidzirwa kana kuderedza kugoverwa semugumisiro wemamiriro matsva epamba nokuti makambani einishuwarenzi anoona njodzi yakanyanya apo imba isingagari. Kana iwe uine mungozi yose kana purogiramu yakavhurika inyanzvi yeimba yeimba, inogona kuchinjwa. Zvibvumirano zvekugara zvinowanzovharira kuparidzira kune zvidzidzo, semoto uye kubvisa matambudziko anokosha semvura kukuvara pakati pevamwe. Kana iwe usina chikamu chemvumo uye imba yako isiripo, ipapo imba yako inogona kuve isina kubvumirwa zvachose uye chero zvipi zvingaitika panguva yechando zvingarambwa.
Ndeipi Iri Mukana Wemusha?
Tsanangudzo yekusina chekushandisa inshuwarisi yakananga. Imba inoonekwa isina munhu kana pasina vanogara. Zvisinei, zvinogona kuvhiringidza kunzwisisa nekuda kwemamiriro ose akasiyana anokonzera nzvimbo. Heino tsanangudzo yakajeka, inoteverwa nemuenzaniso, iyo inofanira kubatsira kubvisa zvinoreva izwi risingave rakagadzikana kuva maonero, saka iwe hauzoperi nemusha usina kuvimbiswa nekuda kwekugara.
Imba Yakasara Tsanangudzo
Tsanangudzo yekuve isina munhu ndeyekuti:
- iyo ichangobva kutengwa, kana kuti inzvimbo itsva, uye vagari vayo vasati vatamira.
- apo vagari vomusha vakasiya uye vasina vavariro yekudzoka, pasinei nokuti imba yacho inopa kana kwete, kana chikonzero chekuenda. Nguva iyo vagari vemo havazodzoki kuzogarako; haina chaipo.
Mienzaniso Yekuti Chibvumirano Chekuzorora Chinodiwa
Mutungamiri weimba yega uye mutemo wekodha ane chinyorwa mairi chinotsanangura urefu hwenguva imba inogona kunge isina kushandiswa isati yasimbiswa. Inishuwarenzi mitemo inotsanangurawo kuti semamiriro ezvinhu einishuwarenzi, inishuwarenzi inofanira kurayirwa chero nguva apo pane kuchinja kwezvinhu kune ngozi. Kushandurwa kwekugara kune imwe yekuchinja uku.
Kazhinji, zvichienderana nekambani yako yeinishuwarenzi, zvinotarisirwa kuti mvumo yekupa mvumo inogona kutanga kana imba yacho ichionekwa isina munhu kwemazuva makumi matatu. Unofanirwa kutaurirana newaini yemuhurumende yveshuwarenzi kana kuti mumiririri kuti uone zvakananga zvekushandira inshuwarisi yako sezvo kambani imwe neimwe yakasiyana. Kune mamiriro ezvinhu akasiyana-siyana apo iwe unogona kubvumirwa nemubvumirano wemukana, kazhinji, apo apo tsanangudzo yebasa iri yakasangana, asi iwe uchiri kudikanwa kuvhara imba yacho.
Musha Mutsva
Kana iwe ukangotenga imba itsva, imba yacho haigone kusvikira iwe uchingopinda. Kazhinji, izvi zvichava mukati memavhiki mashomanana ezuva rokutenga, uye saka mvumo yekugara isingawanzodikanwa nokuti nguva yekugara inowira mune zvinogamuchirwa nguva iyo imba yacho ingasave yakasununguka maererano neimba yako yvesishuwarenzi mitemo. Zvisinei, kana mavhiki mashomanana apfuura iwe usati wapinda, unoda kukurukura izvi nekambani yako yveshuwarenzi kuti uone kana iwe uchida mvumo yekugara. Chero nguva yaunenge uchatenga imba itsva uye usingafambi pakarepo, unoda kupa mazano kumudzidzisi wehushuwarisi, saka vanove nechokwadi chokuti une inshuwarheni yakanaka.
Muenzaniso: Christina ari kuenda kuNew York kune basa rake, asi achangoshandiswa mumwedzi mina. Kuti atange mberi kwemutambo, akatanga imba yekuzvitenga mangwanani uye aiva nerombo kuti awane musha mutsva wakakwana. Icho chaiva chinyorwa chekutanga chaKristu Christina, saka haana kunyatsonzwisisa kuti chii chaizoita apo aizotamira. Nenguva isipi inshuwarisi yemubhudha yakamubvunza pamusoro pezvirongwa zvake zvekuenda uye akamuudza kuti sezvo aisazoti aende mwedzi inoverengeka, vaigona kuwana mvumo yekugara nekuzadza mubhuku remibvunzo. Mari yacho yakanga iri zvishoma, asi izvi zvakachengetedza kushandiswa kwaKristu naiye akaita kuti ave nechokwadi chokuti aive akapupurirwa kusvikira apinda.
Apo Imba ndeyokutengesa
Dzimwe nguva vanhu vanotenga musha mutsva ndokuenda kumusha mutsva musati watengeswa. Apo imwe musha uri pamusika nokuti vagari vati vabuda kunze vasina chinangwa chekudzoka, imba yacho haisisina. Inoda mvumo yekugara.
- Zano:
Kuisa imba yako yekare neimba yako mitsva pamwe chete nekambani ye inshuwarisi inogona kukupa simba rinokurukurirana nekambani yako yveshuwarisi kana zvikomborero izvo zvichaita basa rekusimudzira imba yako isina munhu nyore.
Neimba kana nekuda kwekufa kwePamusoro Inshu
Imwe yemamiriro ezvinhu akaoma ndeye apo imba inosara isina munhu nekuda kwekufa, uye nhengo dzemhuri dzinotarisana ne inshuwarisi. Apo chinonyanya chinonzi inshuwarisi kana vagari vemusha vanofa, imba inonzi yakashata nokuti vagari havana chinangwa chekudzoka.
- Zano:
Kana iyo inonzi yainzi insured yakafa, asi dzimwe nhengo dzemhuri dzichiri kugara mumba, kambani ye inshuwarisi inogona kufunga nezvekuchengetedza imba yemishonga inshuwarano semutemo wekugara kwenguva yakatarwa apo vamwe vagari vemo vaigara imomo nguva yose. Somuenzaniso, kana amai vachifa, uye vana vakuru vari kugara mumba, saka mamiriro acho akaramba akafanana, saka imba haisi yepamusoro, pasina mvumo yeimba ino ichachinjwa kuva zita reimba uye vagari vangave kukwanisa kuramba uchirarama ikoko inshuwarisi sezvavakanga varipo vasati vafa nokuda kwenguva yakatarwa nekunyorerwa pasi. Zvisinei, kambani yeInishuwarenzi inofanirwa kupiwa mazano kuitira kuti vagoita shanduko kana zvisinei iyo inishuwarenzi inogona kusabhadharwa mukudaira kwekuda kwekuchinja kwezvinhu mumutengo.
Chii Chinoitika Kana Imba Isina Huro, asi Hakuchina Mvumo Yokubvumira?
Kana imba yako isina ruzivo maererano nemitemo nemamiriro epamba yako yvesishuwarenzi, uye iwe hauri kurayira kambani yveshuwarenzi uye kuwana mvumo yekugara, kunyange iwe "usingazivi" kana kukanganwa kuvaudza, unogona kuva dambudziko guru nokuti chibvumirano chako chakanyatsoitika pakuti hachifukidze dzimba dzisina munhu. Kunyange kana iwe uine binder ye inshuwarisi ichiratidza kuti imba yako iri inshuwarisi, hazvibatsiri kana isingatauri kuti iwe une mvumo yekugara pane iyo. Kana imba yako isina ruzivo uye iwe une chikwereti, uye iwe usina nzvimbo yekubvumira kuti mvumo yako ingarambwa, uye bvumirano yako yehushuwarisi inogona kuonekwa sechinhu chisina chazvinobatsira. Iwe unofanirwa kutaura neainishuwarenzi yako kana kambani yveshuwarisi chero nguva nguva yako mamiriro ezvinhu achichinja (anozivikanwa sekushandurwa kwezvinhu mumungozi) yeimba yako. Usazvisiyira usina uninsured.
Mvumo yeChiitiko Inobhadhara Zvakadini?
Maererano neIniscience Information Institute, imba isina munhu inogona kutenga mari yakawanda kaviri kana isingapfuuri mutemo wenguva dzose yeimba. Chibvumirano chekugara ndechigadzirisho chenguva pfupi uye chichabatanidza kuchinja kwekutanga kwemazwi emvumo. Zvinoshungurudza kune vanhu vazhinji nokuti vanoona kuderedzwa kweinishuwarenzi yekuvhara panguva yekugara, asi dzimwe nguva kuripa zvakawanda. Mamwe makambani einishuwarenzi ane zvisarudzo zvisingadhuri zvakanyanya, asi zvinoenderana nekambani yako ye inshuwarisi. Kana iwe ukaona yakakwirira kwazvo, unogona kutenga kutengesa, kunyanya kana ichi chinhu chisingazogadziriswa nokukurumidza. Chinangwa chenguva refu chinofanira kunge chiri kuwana imba iyo inotengeswa kana kutengeswa nokukurumidza zvichiita kuti uchengetedze mari uye kubvisa njodzi dzako.
Sei Imba Yakashama ine Chinetso Chekushandisa Inishuwarenzi Yepamba?
Zviitiko zvezvitsva nezvimwe zvinhu zvinogona kuitika zvisina kunaka neimba isina munhu yakakura kudarika iyo iri mumamiriro ezvinhu apo mumwe munhu ari kugara mumba nguva yakazara. Kana imba isina munhu, pane dambudziko guru rebavha, kuparadza, moto nemhando dzose dzekukuvara. Kana pasina munhu aripo kuti aone zviri kuitika mumusha kana kuona kana zvinhu zvisingakanganisi, zvinonzwisisika kuti njodzi yacho yakakwirira kudarika kana kukuvadza kuitika.
Zviri Mukati Inotsigirwa Pasi Pemvumo Yenguva?
Kana iwe uchida zviri mukati mehutsi pasi pemvumo yekupa mvumo, iva nechokwadi chokuti uchataurira iyo inshuwarisi yekambani yako, pangave nemimwe mari yekuwedzera zvichienderana nemamiriro ako.
Inguva yakareba sei Chibvumirano Chekuvhara Muimba Yakasara Yakanaka?
Zvibvumirano zvekugara zvinowanzobudiswa kwemazuva makumi mapfumbamwe. Kambani imwe neimwe ye inshuwarisi ichadzorera mukana maererano nemazwi avo; kambani imwe neimwe yakasiyana. Inishuwarenzi underwriters ichaongorora mamiriro acho ezvinhu kuti asarudze kana vachizopa hugaro hwekuwedzera kana kuti vangazokuudza kuti vachaenda "kubuda pangozi" izvo zvinoreva kuti vachapa chiziviso chekudzivisa inishuwarenzi yako .
Ndezvipi Zvichaitika Kana Chibvumirano Chekuzorora Chapera?
Kana kambani ye inshuwarisi isingadi kugadzirisa imba yacho isiri iyo, ipapo mukuru wako anogona kukurudzira kuti uende kune mumwe munhu anonyanya kuisa inshuwarisi kana nguva yechando inoratidzika isingagumi kwenguva refu. Inishuwarenzi yepamba yemhuri haisi yakarongeka kuti ichengetedze dzimba dzisina munhu, saka kana imwe nguva yekugara isiri iyo, inowanzo nguva yekuenda kumunhu asina chaanishuwarenzi chemusha. Iwe unogona kutaurira hurumende yako inshuwarisi ehofisi kuti uone kuti zvingasarudzwa ndezvipi kana inshuwarisi broker kana vashandi vasingakwanisi kukupa iwe Vacant Home Insurance .
Nzira Yokuwana Nayo Mvumo Yekuvhara Musha Inishuwarenzi
Taura newaini yako yveshuwarisi uye kurukurai nemamiriro ezvinhu navo. Vachange vaine ruzivo rwakawanda kuti vaudze kuchinja kweimba yenyu inshuwarisi yemamiriro ezvinhu kune vanyori vekunyorwa kwekambani ye inshuwarisi kuitira kuti vagone kubvumira mvumo yekugara. Kambani yeInishuwarenzi inonyora pasi pengozi uye mumatambudziko akawanda ichabvumira mvumo yekugara kuitira kuti iwe ugone kuchengeta zvinyorwa zvitsva, kufanana nekuvhara moto, asi imba yako isiripo. Zvakakosha kugovera mashoko ose anokwanisa kune vashandi vako vehushuwarisi kuitira kuti vakwanise kuwana mamiriro ezvinhu akakodzera iwe uye kuva nechokwadi chokuti iwe unoramba uripo.
10 Mibvunzo Inobvunzwa Mubvunzo Wemvumo Yenguva Yekubvumira
Kunyange zvazvo kambani yese yehushuwarisi yakasiyana, kune mamwe mibvunzo inokosha yaunogona kutarisira kubvunzwa neinishuwarenzi yako kana mumiririri apo iwe unoda inishuwarenzi kumba.
- Zuva rekutsvaga uye nguva yakareba ipi ichava iyo (kana ruzivo rwokuti nguva iripo ndeipi haisati yazivikanwa, munyori wechirungu angangodaro anopa nguva yemakore 90, mamiriro ezvinhu achaongororwa zvakare kusvika panguva iyo kana pamba ichiri kusina munhu)
- Chikonzero chemukana wacho (somuenzaniso, ndeyekuda kwekufa, kutenga imba itsva, kuti uri kutamira kune imwe nyika, nezvimwewo)
- Kana imba yacho ipiwa - iwe unoda inishuwarenzi yezviri mukati here?
- Kana paine chero mhirizhonga kana kuchengeteka panzvimbo ino pamba
- Kana pane zvivharo pane mahwindo
- Kana munhu ari kutora mail uye kuchengeta imba, saka inoratidzika inogara; kambani yako ye inshuwarisi inogona kukubvunzawo zvifananidzo zveimba kuti unzwisise zviri nani kuti iyo inowanikwa sei.
- Ndiani ane basa rekuchengetedza imba
- Ndeupi hukama hwemunhu anoshanyira musha kune mwene weimba
- Ndezvipi zvinowanzoshanyira munhu kumusha (somuenzaniso, zuva nezuva, vhiki nevhiki, nezvimwewo)
- Ndeipi zvirongwa zvepfuma (ndeyokutengeswa, mumwe munhu angapinda mairi, etc.)
Iyi mibvunzo inoshandiswa kubatsira kubatsira kunyora ngozi uye kuwana mvumo yekugara.
Mikana Ipi Ichabvumirwa Kuchinja Mari Yangu Inishuwarenzi?
Mukuwedzera pakurambidza kuparidzirwa kana kuderedza kugoverwa kune zvakanyanya kuipa , mvumo yekupa mvumo inowanzomira kuvharidzirwa seyomutoro kune chivako uye haigoni kusanganisira zviri mukati. Saka kana uri kugadzirira kukumbira inshuwarisi yepamba isina munhu, pfungwa yakanaka yekuziva izvi, uye iwe unogona kutumira email iyo kumumiririri weinishuwarenzi kuti utange dare racho ritange.
Basa Rako Paunenge Uine Mvumo Yenguva
Kana mushure mekunge munyori wepasi ano anongorore ruzivo rwese, vanogona kukumbira kuti uwedzere kambani yehutori kana kutora zvimwe zvingataurwa zvinodzivirira kudzivirira pfuma kana vachifunga kuti kune ngozi. Kana ukasangana nemamiriro avo ese, kana mamiriro acho anonzwisisika kune dhipatimendi rekunyora pasi, ivo vachabudisa mvumo yako kwenguva yakareba yakatarwa. Munguva ino kana chimwe chinhu chichichinja mumamiriro ezvinhu, iwe unofanirwa kuudza kambani ye inshuwarisi kana kuti iwe haugoni kuva inshuwarisi.
Kana kambani ye inshuwarisi ichida kuongorora, ivai sevashandi pamwe chete, zvichida zvingava zvinodiwa mune mamwe mamiriro ezvinhu.
Kuramba uchitaurirana pachena nevamiririri vako uye kupindura chero mimwe mibvunzo yavangave nayo kuchaita kuti vanzwe vakasununguka nehutano uye vachakupa mikana yakanakisisa yekuchengetedza imba yekuchengetedzwa kwemusha kwenguva yakareba sezvazvinogona. Dzimwe nguva kana mazuva makumi mapfumbamwe apfuura uye imba yacho ichiripo, ipapo dhipatimendi rekunyora pasi uye mumiririri wako wehushuwarisi achaongorora mamiriro acho ezvinhu uye achasarudza kana vachikupai kuwedzerwa. Kushamwaridzana kwako navo uye kukurukurirana kunouya kuchakubatsira zvikuru.