Unganidza nekambani idzi dzekuIndaneti kuitira kukurukura
Munyika yanhasi yakabatana, inshuwarisi vatengi vanoda zvigadzirwa zvakabatanidzwa neInternet, nzira yavo yavanoda yekukurukura uye kugamuchira ruzivo. Uye vatsigiri vemazuva ano vari kupa hutenga hutsva hwemagetsi kuti zvizadzise zvinodiwa nevatengi vemazuva ano. Saka kana uri kutsvaga hutano, hupenyu, motokari kana imba yveshuwarisi, pane zvishoma zvekambani dzinogona kukubatsira kunyora zviri nyore kuburikidza ne app kana webhusaiti. Heano mamwe emhando dzakanakisisa dzishuwarenzi dzekushandisa kutenga ikozvino.
01 Best for Home Inishuwarenzi: Lemonade
Lemonade iyo inshujita yejeri yakagadzirwa muna 2015 inopa imba uye renters inshuwarisi kune vagari veCalifornia, Georgia, Illinois, Nevada, New Jersey, New York, Ohio, Rhode Island neTexas. Vatengi vanogona kutenga inshuwalisi zvakananga paIndaneti pasina kushandiswa kwemajeri. Lemonade haisi iyo yako typical inshuwarisi kambani. Kambani inochengeta 20 kubva muzana yemari yako yebhadharo yekubhadhara uye kubhadhara uye kubhadhara zvimwe zvekushandisa mari. Chero chipi nechipi chisingazivikanwi chinyorwa chinogona kuenda kune kwete-pfuma yeunosarudza. Kambani inoshandisa njere yekugadzira maitiro nenzira yemakateti ekutora matanho uye inopa inshuwarisi mitemo. Purogiramu ye "AI Jim" inotarisira zvimiti zveti policyholder uye iwe paunenge uchitaura kudai, mapurogiramu ehurongwa uye maitiro, cross-references pamusoro penheyo uye kana inobvuma / inopesana kudai. Mitemo inogona kutengwa uye zvikwereti zvinowanikwa kakawanda mukati memaminitsi mashomanana kana pasi. Lemonade ine "A" simba rezvemari kubva kusangano rehushuwarisi sangano, Demotech .
Zvisarudzo zvekutanga zvinosanganisira:
- Replacement value
- Pamwe pfuma $ 10K- $ 250K
- Deductibles $ 250- $ 2,500
- Med Payai $ 1K- $ 5K
- Chero Mutemo $ 100K- $ 500K
- Kubva-nzvimbo yekuvhara
- Kurasikirwa kwekushandisa $ 3K- $ 200K
Kuti uwane mubayiro wekuwedzera, unogona kuwedzera kugoverwa kwe:
- Zvishongo zvishongo, unyanzvi hwakanaka, magetsi
- Munhu wepamusoro vhigh-kukosha yakarongwa kusvika ku $ 50K
02 Best Digital Insurer ye Auto Insurance Quotes: Insurify
Digital Insurer, Insurify, inoshandisa njere dzekushandisa kuti ikupe auto auto inshumo nekunyora mameseji kopi yetipa yako yepaiti. Iyo kambani yakatangwa muna 2016 uye inoshandisa sangano rehushuwarenzi rinonzi "Evia." Evia inomirira Expert Virtual Insurance Agent. Kune avo vasina mifananidzo yepaiti yepenisi yekunyora, tsanangudzo inogonawo kuwanika nekuisa ruzivo rwekutanga kune webhusaiti yakadai sekuita nekufananidzira kwemotokari nemutyairidzi ruzivo. Icho chinangwa chekuchenjera cheEvia chinounganidza kutyaira data uye kutyaira rekodhi rekudzivirira iyo inokuchengetedza nguva yako mukuwana yakarurama auto insurance quote.
Kusimudza kunopa auto inshuwarheni zvinyorwa kuburikidza nekubatana nevanopfuura 80 auto inshuwarisano makambani, kusanganisira top-rated auto inshuwarisi seEsurance, Farmers, AIG, Progressive, Safeco, Liberty Mutual, Nationwide nezvimwe. Iyo kambani ine software yayo inonzi Raterank iyo inofambisa vanotyairi nevanonyanya kusarudza kwe motokari yerutivi yakabva purogiramu yakasiyana yehuwandu hwemushandi. Iyo software inokupa iwe nekanakisisa nzira dze auto auto. Evia yekushandisa inowanikwa mu 30 US States nezvirongwa zvekuwedzera kwehupenyu.
03 Best for Autos ichasvika mahara: Metromile
Metromile ishuwarenzi yejigasi yakagadzirwa muna 2001 inopa auto inshuwarheni kusvika pasi mairi drivers kuburikidza nefoni inonzi telematics yakaiswa pamotokari yako iyo inoyera mairi mauri kutyaira. Coverage inowanikwa muCalifornia, Illinois, New Jersey, Oregon, Pennsylvania, Virginia uye Washington uye inogona kunge iripo mune dzimwe nyika. Chigadziro chaunoshandisa mumotokari yako chinonzi Metromile Pulse uye chinogona kukuponesa zvakakwana $ 500 pagore pamotokari yemotokari. Vanotyairi vane makiromita gumi kana gumi kana zvishoma vanogona kuwana mari yakawanda yekuchengetedza puroimisi yveshuwarisi yemoto. Metromile inopawo smart drive yekushandisa iyo inopa zviitiko zvekufamba kwekufambisa, motokari yakabiwa, motokari yehutano hutsananguro uye mumigwagwa yakajeka maziso kuti ikubatsire kudzivisa matikiti.
04 Best for Drivers Safe: Root
Kana iwe usati uchinzwa nezveShoko, iyo inofanirwa kuendeswa kune auto inshuwarisi. Izwi rega auto rinoshandiswa neMudziyo rinogona kuchengetedza vatyairi vakachengeteka zvinodarika 52 muzana pamotokari yemotokari yemotokari. Imwe nzira inotarisa maitiro ako ekufambisa akadai sekumhanya kwemafuta, mileage, kushanduka kwakaoma uye zvakawanda kuverenga inshuwarheni yako. Iwe unogonawo kutenga motokari yemotokari yemotokari, tora makadhi eDhidhi uye uite zvinyorwa kuburikidza nemushandi. Hakuchina vashandi, zvose zvinoitwa kuburikidza ne app. Root car inshuwarisi ikozvino inowanikwa muArizona, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Ohio, Oklahoma, Pennsylvania, Texas neUtah nezvirongwa zvekuwedzera kuparidzira kune dzimwe nyika munguva pfupi. Mushonga we inshumo yeRumusi inotsigirwa nePhones (5s uye pamusoro) uye mafoni akawanda e-Android. Unogona kuwana purogiramu paGoogle Play Store.
Ndezvipi zvakasiyana pamusoro peRotus inshurenzi ndeyokuti chikuru chekugadzirisa mutengo wamunobhadhara motokari yveshuga ndiyo yekushaira kwako. Havasi vose vanogona kukodzera kugoverwa, ndivo chete vanodhairirira. Zvinotora mavhiki maviri kusvika matatu ekuedza kutyaira uye kana iwe uchikodzera, uchawana purogiramu inobva pakudhaira kwako. Zvinyorwa hazviwaniki kuvatyairi kunze kwekunge vatora test drive pamwe ne-app. Kambani inoti kushandiswa kwayo kwegoridhe kwakaoma-vanogona kuziva kana iwe uri kutyaira, uri mutasviki, anofamba, akatasva bhasikoro kana kutotora chitima chepasi apo purogiramu yako inotanga uye inongoshandiswa chete nemashoko akaunganidzwa kubva pauri kunyatsotyaira motokari yako kuti ione yako kudzokorora.
05 Best Inishuwarenzi yehutano Wellness Inokurudzira: Oscar Health
Oscar Health Insurance yakatanga muna 2012 uye inopa inshuwarhu yehutano kune vagari veNew York, Texas neCalifornia. Coverage ingakurumidza kuwanikwa kune dzimwe nyika. Imwe Oscar app inotakurwa uye inowirirana ne Android uye iOS. Chirongwa chinopa 24/7 chiremba-on-call services, makirasi ega yoga uye makirasi emadzimai anotarisira. Kambani inoshanda mukubatana neGomo reSinai Health System.
Newe app, kukumbira kubvunzurudza kubva kune-on-call chiremba, unongotora purogiramu uye unogona kugamuchira kudzokorora kubva kuchiremba kazhinji mumaminitsi. Izvo shanduro inogonawo kutumira zvinyorwa kumapirmiti yako. Mutungamiri wenyu weConcierge unosanganisira mukoti akanyoresa uye mazano matatu ekutarisira kupa hutano uye kupindura mibvunzo.
Iyo kambani inopa hutano yveshuwarisi zvakanaka kukurudzira kuti uite basa, iyo inotevedzwa kushandiswa kusina zvipfeko zvepachena. Kunewo mari inokurudzira kuti uwane chirwere chako chinoputika uye zvimwe zvinodhaka zvinowanzosununguka. Pano pane zvishoma-deductible options zvinowanikwa. Oscar Insurance iye zvino ine bhajiro yeBusiness Business Bureau ye "A-". Pane zvirongwa zvehutori dzinobhadhara mari yekurapa kubva kubva pa60 kusvika ku90 muzana.
06 Best for Life Life Insurance: Ladder Insurance
Ladder Inishuwarenzi yerinishuwarenzi yejinjini inofambidzana neFidelity Security Life kuti ipe inshuwarisi yehupenyu pasina kushandisa vashandi zvakananga kune vatengi paIndaneti pasina kubhadhara chero mari yegore negore yemari. Iyo inowanikwa muInternet yekutenga sarudzo inogona kuitwa mumaminitsi mashoma kana mashanu uye iwe unogona kuina chero magwaro anodiwa ekugoverwa neE-signature.
Iyo kambani ine "A-" AM Best rating. Vashandi vanogona kutenga inshuwarisi yehupenyu hwehupenyu kwenguva yakaenzana kusvika ku $ 8,000,000 muhurukuro. Izvo iyo kambani inopa iri nyore uye inokurumidza kuparidzirwa kune inenge ipi zvayo yekugovera. Zvisinei, pane vashomanana vatungamiri vevatengesi (zvimwe zvekugadzirisa zvekuwedzera kwepa premium) inowanikwa.
Kambani inopa policyholders kukwanisa kukwanise kukwira kumusoro (kuwedzera kugoverwa) kana kukwira pasi (kuderedza kugoverwa) zvichienderana nezvimwe zviitiko zveupenyu (michato, kuberekwa, kutenga imba itsva, nezvimwewo) kana zvimwe kuchinja mumamiriro ezvinhu. Kana ukasarudza kuderedza kugoverwa kwako, miriyamu yako inoderera nehuwandu huwandu hwakafanana nehuwandu hwekugovera (somuenzaniso, 10 kubva muzana inoderera pakugoverwa zvinoreva kuti 10 muzana inoderera musimboti wepurogiramu yako). Hapana mhaka yekuwedzera kana kuderera kugoverwa.