Chengetedza zvinhu zvako nemari yako
Kana iwe uine pfuma yezvivako, iwe une dambudziko rebhizimisi rakasiyana nedzimwe zvinhu zvisingafukidzwi nemwene weimba inishuwarenzi. Uye iwe unomira pangozi yekurasikirwa nemararamiro ako kana iwe uchirasikirwa nemari yako yokubhadhara apo chivako chako chirikugadziriswa mushure mekurasikirwa kusingatarisirwi kubva mumoto, mafashamo, kudengenyeka kwenyika kana rumwe rudzi rwematambudziko ezvisikwa.
Vazhinji vemuimba yerinishuwarenzi mitemo inopa humwe maitiro ehuwandu hwehuwandu hwekugovera: kugoverwa kwekugara, mvura / mafashamo ekugoverana, pfuma yega (zviri mukati), mabasa ezvisikwa, pamwe nekukwanisa kubhadharwa mari yekubhadhara mari. Mimwe mitemo inowedzera-pane zvingasarudzwa inowanikwa neimwe makambani einishuwarenzi kune imwe yero premium. Iko kugoverwa kunopiwa huwandu hwemhando dzezvikwata zvekurenda, kusanganisira vasina-mhuri, duplex, triplex, quad uye zvikuru zvemasimba.
Kusarudza muridzi wemishonga inshuwarisi kunogona kukupa kuchengetedzwa kwakawedzerwa mukuziva kuti mari yako yokubhadhara yakachengeteka. Heano zvimwe zvishomanana zvezvisarudzo zvepamusoro kune mwene weimba yveshuwarenzi pamusika nhasi.
01 Best for Inflation Protection: Liberty Mutual
Liberty Mutual uye ane "A" simba rekubhadhara mari kubva kuna AM Best uye inotarirwa 2 nd mune kugutsikana kwekambani yeJD Power & Associates. Iyo inowedzerawo zvakanyanya mumatauriro ekugadziriswa mabasa. Liberty Mutual inopa kuvharidzirwa kwezvinhu zvekuchengetedzwa kwenyika izvo zvinowanzochinja marongerwo emitemo yako kuti uchengetedze nehuwandu hwekutsvaga kwekutengesa kuti urambe uchikwanisa kubhadhara mari yekugadzirisa zvinhu zvako.
Zvimwe zvekugadzirisa zvinoshandiswa uye zvikamu zve Landlord Insurance kubva kuRuberty Mutual zvinosanganisira:
- Mhosva
- Fair Rental Value Coverage
- Kukuvadza Kwekuzvidzivirira
- Kururudza mazano akawanda-siyana, kutanga shopper (kana iwe uri kugoverwa ikozvino), imba itsva / yakagadziridzwa (makore 13 kana pasi uye ichangobva kugadziridzwa)
- Zvimwe zvinogona kusarudzwa nematongerwo ezvakanaka zvekugadziriswa kwekugadziriswa kwebasa, rubatsiro rwemaawa makumi maviri nemakumi matanhatu, rubatsiro rwekutengesa kwekontrakta, kubhadhara kushandiswa uye kushandiswa kwebhadha
02 Best for Policy Bundling: Allstate
Allstate yave iri mubhizinesi kubvira muna 1931 uye ine mabasa akawanda ekuzivikanwa, kusanganisira 4.5 kubva pa5-nyeredzi yeruzivo rwekutora kushandiswa kubva kune tsvakurudzo inotungamirirwa ne Insure.com. Allstate Inishuwarenzi ine "A + Superior" yezvikwereti zvemari kubva kuna AM Best. Muridzi wehutachiwana kubva kuna Allstate anogona kunge ari kubhadhara muhomwe neimwe yemimwe mitemo yavo yakawanda, achikupa rimwe kuderedza uye kuwedzerawo kugoverwa kwako.
Muridzi wehutano kubva kune Allstate unosanganisira:
- Kudzivirirwa
- Zvimwe zvivako zvidziviriro
- Mhosva yekupa mhosva
- Zvakanaka zvekubhadhara mari yekubhadhara
- Premises kuchengetedzwa kwehutano
- Kuparara kwehupfumi
- Burglary coverage
- Kuchengetwa pfuma padzimba
- Kuvakwa kwekodhi (yakawedzerwa chinyorwa kuunza chero upi zvake hunovandudzwa kusvika kumigumo yekodhi yekutonga kusanganisira kugadzirisa, kugadzirisa kana kuvaka chivakwa).
03 Zvakanakisisa Zvimwe Zvimwe Zvakawedzerwa Maitiro Akabatanidzwa: State Farm
State Farm Insurance, yakatangwa muna 1922, inopa inshuwarisi munyika yose yeUnited States uye ine nhoroondo yakareba yemasimba emari (AM Best "A" yakarongwa) uye kukudzwa mubasa revanhu. State Farm inopa multiple Landlord Inishuwarenzi yematongerwo ematongerwo emitengo yakakodzera. Inyika yemainishuwarenzi ye Landlord kuburikidza neHurumende Farm inopa kugoverwa kwezvivako zvepamusoro, kusanganisira garaji, zvivako zvekuchengetedza, dzimba dzokushambira, masvingo, kuchengetedza masvingo nezvimwe zvivako.
Imwe Landlord Inishuwarenzi yekudzivirira nekugadzirisa uye mamwe maitiro ekugadzirisa mapurisa kubva kuHurumende Farm inosanganisira:
- Kuvaka kuparidzira kunosanganisira pfuma yevanhu inoshandiswa kuchengetedza kuvaka / nzvimbo
- Zvizere zvakakwana mutoro
- Kurasikirwa kwemari
- Kugadziriswa kwezvinhu
- Mumiririri anofambidzana nemari (Inoshandisa mari yako yekuendesa vagari vadzo shure mushure mekunge vazofanira kubuda kwenguva pfupi nekuda kwe kurasikirwa kwakafukidzwa)
- Kuchenesa uye kupera kwemhepo kunokonzera kubhadharwa
- Dhiyabhorosi kuwirirana uye kudzorerwa kwekuzivikanwa (kudzivirirwa kana iwe ukava munhu akabatwa nekuzvidzivirira)
- Ordinance kana mutemo (inosvitsa mari inokonzerwa nekusimbiswa kwemitemo yemaguta kana mitemo yekuvaka / kugadziriswa kwezvivako zvakakonzerwa zvinokonzerwa nekurasikirwa kwehupfighu).
04 Best for Multiple States: Chekutanga
Chinonyanya kukoshesa nhengo ye Farmers Insurance Groups uye yakarongwa "A Excellent" na AM Best. Kambani inopa huwandu hwekugadziriswa kweimba inishuwarenzi nemashandisirwo ezvematongerwe enyika. Mukuru weimba inoshandiswa inosanganisira: yakazara pfuma inoshandiswa, inonzi yakaoma kugoverwa, kukwanisa kushandiswa kwemari, kubhadhara kurasikirwa kwekugadzirisa, kubhadhara mari chaiyo, kuwedzerwa mari yekugadzirisa uye mari. Zvisarudzo zvekusarudza zvinosanganisira: kurasikirwa kwemari yekubhadhara, mitemo yezvikwereti, kukuvadza kwemweya, zvimwe zvivako zvekugadzirisa, kugadzirisa mari, kukanganisa kwemvura yezvigadziriswa / drains.
Chinonyanya kupiwa sangano rakanaka kune vashandi venzvimbo dzine zvivako munzvimbo dzakawanda dzinonzi "Platinum Package." Platinum Package inopa:
- $ 3K yezvimwe zvivako
- Inotora 10 muzana ye kurashikirwa nemari yekubhadhara
- Muvakidzani wekukuvara kwehupi hwekukuvara
- $ 300K yeimba yekuchengetedza basa
- Kurapa kwechiremba kwe $ 1K
- Kudzorera mari yekugara
- Zvimwe zvivako zvinosvika kusvika ku $ 10K kana 10 muzana yekugara
- Kuderedza mukutarisa kana kusina kushanda kwemazuva makumi mapfumbamwe
05 Best for 10 or More Units: American Modern
American Modern ane "A +" AM Best mari yehutano uye yave iri mubhizinesi kubva muna 1965. Kambani inonyanya kugadziriswa nevanishuwarenzi yeimba yakagadzirwa uye inzvimbo yekugara inokosha.
Pasinei nokuti unoda hurumende yekutora nzvimbo isina kunyanya kupfeka uye kubvarura kana humwe hutano hwakasiyana hwakafanana nehuwandu hweimba, American Modern ine zvisarudzo kwauri:
- Zvose zvinowanikwa mumusha kusvika kumakore makumi mapfumbamwe nemakore (muganhu ndiwo makumi matanhatu mune dzimwe nyika) uye mutemo unosimbisa kusvika kumhuri mana. Zvose zvinokonzera kurasikirwa zvakaputirwa pasi pepakati yakawanda kunze kwekuti zvisingatauri zvakanyanyiswa. Iwe uchabhadhara nekuda kwekurasikirwa kwenhepfenyuro pachinzvimbo chekubhadharwa mari yepamusoro kusvika kumiganhu yemitemo yekugoverwa. Kuti zvikwanise kugoverwa zvakakwana, denga rinofanira kunge rave richivandudzwa mukati memakore makumi maviri ekupedzisira uye imba inofanira kunge yakazara pamusoro pemakore kana kuti zviri nani.
- Flexible Coverage inopa inshuwarisi yeimba yeimba yeimba isina chikamu muganhu pamusoro pekugadzirisa kusvika kumhuri ina-mhuri. Kuvharwa kunopiwa nekuda kwerasikirwa inokonzerwa nematambudziko anonzi muhutano, kusanganisira moto, mheni, mhepo, chimvuramabwe, kuputika uye nezvimwe. Kuti zvikwanise kugoverwa, imba yacho inofanira kuva yakanaka kana kuti zviri nani.
- Chikamu chezvikwata gumi kana zvinopfuura zvinowanikwa kune vashandi vekumba. Inobvumira vashandi kuti vatsigire gumi kana kupfuura inotora zvivako pane imwe nhepfenyuro pamwe chete nekusarudzwa kwekugadziriswa: mari yekugadziriswa kwekukurumidzira, kukanganisa kune dzimwe zvivako, kusvibiswa kubviswa, moto wedhipatimendi rebasa rekushandura, kugoverwa, mvura / mold, kuvandudzwa / kuchinja, kuparadza, muti / shrubs / lawn uye kurasikirwa kwemari inoshandiswa. Kusarudzwa kwekuzvidira kunosanganisira mvumo yenguva pfupi yekubhadhara, mvumo yenguva pfupi yekugara, mvumo yeimba, pfuma yega, kuparadza, kushandurwa kwekugadzirisa uye kusagadzikana kwehupfumi hwekuvhara. Pane zvipo zvokubhadhara zvinoshandiswa pakugadzirisa kutenga mutemo nyore, kusanganisira EZPay, chengetera kana kadhi rechikwereti. Iwe unogona kubhadhara purogiramu yako yepurogiramu yakazara kana nezvikamu zvekubhadhara.
06 Best for Condo VaIndaneti: MetLife
MetLife pamwe nemakambani ayo anotsigira vose vane hutano hwakanaka hwekushaya mari uye kugoverana kune dzimwe nyika muU.S. Ndiyo pakati pekambani dzekare dzeUnited States dzishuwarenzi, yakatangwa muna 1868. MetLife inopa Landlord Inishuwarenzi yezvivako zvekurenda, zvivako zvevamwe uye pfuma yevanhu. Chikwangwani chekuvakirwa chivako chinowanikwa kune zvivako zvemhuri imwe chete kana ina. Iko kunewo Condo Landlord Inishuwarenzi yevaya vane vane kondomu uye vanoritora.
Zvinangwa zvepurogiramu uye zvipo zvinosanganisira:
- Kuvhara kwezvivako zvega, kusanganisira garaji, mashizha uye chero zvinhu zvakachengetwa pa-site kana zvinoshandiswa nevarimi
- Kurasikirwa kwemari yekubhadhara
- Mhosva
- Kurapa kune vamwe kune $ 1 000
- Kuzivikanwa kwehutano hwekuzivikanwa kunowanikwa nechinangwa chega chega
07 Best for Military Members: USAA
USAA yave iri kupa kugoverwa kune nhengo dzehondo uye mhuri dzavo kubvira muna 1922. Kambani ine simba guru rekushandisa mari uye inopa muvakidzani wehupfumi inshumo nemasarudzo aya:
- Kuwanazve mari
- Kuzvidzivirira kwemunhu oga
- Nharaunda yezvipfeko zvakawanda kusvika kumakamuri gumi
- Multi-product product discount (save up to 10% on rental property inshuwarisi paunenge uine imba uye auto)
- Moto, kuba, kuparadza zvinhu
08 Best Landlord Inishuwarenzi Yezvokuda Kurapa Zvokurapa: American Family
American Family Insurance is "A Excellent" yakarongedzwa na AM Best uye yakagamuchirwa naJD Power & Associates nokuda kwehutano muhutano hwekutonga. Iko fomu yekupa mari yekupa mari yekuda mari yeAmerica Family ndeye $ 5,000 pamunhu mumwe, izvo zvinopfuura vamwe vapei.
Muridzi weInishuwarenzi kubva kuAmerica Mhuri inosanganisa zvinyorwa uye zvakasarudzwa zve:
- Zvivakwa: zvivako zvekubatsira uye zvivako, kuvhara nekugadziriswa kwekugadziriswa, kuchengetedza masvingo, masvingo ekunze uye kuwedzerwa kwemiganhu yekuvhara
- Mutoro uye mari yezvechiremba nekubvumirwa kwekugadzirira kwebhajiro yemotokari uye isina-owned yemhosva (haisi ku Illinois)
- Bhizimusi mari
- Kuchengetedzwa kwenyika
- Kukanganiswa kubviswa
- Iko kuwedzera kwemazana ekuvakwa (Kusvika ku $ 10 000 nokuda kwezvimwe zvikwereti zvinosungirwa kutevera mitemo yekusungirirwa)
- Electronic data
- Kukanganiswa kwemakombiyuta
- Makomborero anogamuchira / anokosha uye marekodhi
- Zvingangoshandiswa pakuwanika zviripo: kunze kwezviratidzo, antenna, masvingo, njodzi yomudziri (majekiseni ari pasi pekuvakwa), kushandiswa kwemabasa ekuvhiringidza (kukanganisa kunokonzerwa nokupererwa kwemvura, kutaurirana, simba kana kuponesa mabasa), kudengenyeka kwenyika, kuchengetedza kwemvura / sump inoputika