Maitiro Evanhu Pamwe Chete Anokudzivirirai
Munhu wose anoziva kuti kutongwa nemagweta kunodhura mari yakawanda, uye kubatanidzwa mukupomerwa kunogona kukudhurai zvose. Bhizimisi rehutu hwehutori hukuchengetedza iwe nenzira 3:
- Mutoro wega wega unochengetedza zvinhu zvako zvemazuva ano uye zvemangwana. Inowanika kuburikidza nemusha wenyu inshuwarisi, condo inshuwarisi kana renster inshuwarisi yenyika iyo inogona kupa kugoverwa kwekudzivirirwa kwako mune chimwe chinhu apo chiito chinounzwa kwauri kana iwe uri mutoro kana kwete. Inokubatsira kuti urege kubhadhara mutemo wekudzivirira mutemo kubva muhomwe yako.
- Mutoro wega wega unogona kupa kugoverwa kwemhosva dzaunogona kutarisana nemusana pekuitika kangozi, kusanganisira kukuvadzwa kwevamwe kune imwe nzvimbo yako, kana kunokonzerwa newe.
- Mutoro wega wega unopawo kugoverwa iwe uye nhengo dzemhuri yako kana veimba (sezvinotsanangurwa mubvumirano yako yeinishuwarenzi) nekuda kwezviito zvavo uye kubva kune nzvimbo, pasi rose. Izvi zvinosanganisira zviitiko uye kunyange zvinhu zvinogona kuitika nekuda kwekuregererwa kwako.
Ndiani Anoda Nehutano Inishuwarenzi?
Kana uchangobva kurarama uri wega uye uine mhosva kune zvaunoita, iwe unofanira kufunga nezvehutano hwehutano inshumo. Mutengo wehutano hwehutano hwehutano hunosanganisira mu renter, pamba pamba uye mazano emakodhi, uye anoshanda kumadhora mashomanana pamwedzi.
Kunyange kana iwe uchifunga kuti hauna chinhu chaunorasikirwa nacho ikozvino, yako remangwana iyo inenge iri pangozi kana iwe uine mhosva yekukuvadza kwako kana kuparadza kwemba. Iwe haugoni kurasikirwa chete nezvinhu zviripo zvakadai sezvikwereti, dzimba, nedzimwe nzvimbo, unofanirwa kufungawo kuti mari yemberi yeramangwana semaripo inogona kugadziriswa kana kuti yemangwana inogona kugadziriswa kana pasina zviripo zviripo!
Mukuwedzera, zvakadini kana iwe uchipomerwa zvakashata nezvechimwe chinhu, uye unomanikidzwa kuenda kumatare kunyange zvazvo kupomera kuri kwechokwadi? Kuvhara kwekodzero kwaizobhadhara mari yekuzvidzivirira uye kupa mumiririri wemutemo.
Chii Chinobudiswa Nebasa reMunhu Pambani Inishuwarenzi Mitemo?
Heino huwandu hwezvinhu zvakafukidzwa nechikwereti chikamu chekugara inshuwarisi.
Sezvakanongororwa, iyi inonyanya kurongwa urongwa hunosimbisa izvo zvingave zvinowanzobatanidzwa (zvichienderana nemitsananguro emitemo uye zvisingabvumirwi zvaunokwanisa kudzidza zvakawanda pamusoro pehuwandu hwemumiririri weinishuwarenzi):
- Kukuvara Kwevanhu
- Kudzivirirwa Kwakawanda - Kambani yeInishuwarenzi ichapa gweta kuti ikudzivirire uye kuripa mari iyi.
- Kwete-Kukanganiswa Kwekurapa Kwevamwe - nzira iri nyore yekugadzirisa zvinokuvadza kuda pasina mhosva
- Mamiriro ako apo iwe uri kutarisirwa kukanganisa kukanganisa kwepfuma kune vamwe
- Pakuvadzwa Kwepfuma - Unokonzera kukanganisa kune imwe nzvimbo yomunhu uye unogona kudzivisa mhosva kuburikidza uchishandisa chikamu ichi chekugovera. Muenzaniso wakanaka kwazvo kana muti wako unowira pamusoro pevavakidzani vefosheni panguva yemhepo inokonzera kukanganisa , kana vana vako vachikanda bhora ravo kune vavakidzani vewindo ndokuriputsa.
- Kukuvadza kunokonzerwa nevashandi vako vekugara kana vachiita nekuda kwenyu sechikamu chemabasa avo
- Kukuvadza kunokonzerwa kune vamwe nhengo dzeimba yako, sekuvana vako.
- Kukuvadza kwakakonzerwa kune vamwe nemhuka dzako dzekuchira, sezvinoita imbwa inoruma kana kuparadzwa kwepfuma
- Mhosva inobva kunze kwekushandiswa kwegoroti yemakotoro (zvichienderana nechinangwa chemagariro. Zviyero nemashoko)
Inokonzerwa Nekutyaira Motokari Yakapiwa Nebasa Rako Here?
Mutoro wekutyaira motokari kana kukuvadza nekukuvadzwa kunokonzerwa newe kana uchishambadzira motokari haisi pasi pebasa rako pachako kune imwe nzvimbo yehupfumi yeruzhinji.
Mhosva yekutyaira motokari inofanira kuvharwa nemotokari yerishuwarenzi. Inenge isina kubhadhara muhutano hwehutano hwemunhu hupi hupi hwepaimba yako inshuwarisi kana yekugara inshuwarisi yemutemo. Iwe unogona kuverenga zvakanyanya pamusoro pezvinhu zvisiri kuvharwa muchikamu chedu pane iri pasi apa kana kuti taura nemumiririri wako wehushuwarisi kuti uwane ruzivo rwakakwana pamusoro pekukanganisa kwehutano hwako.
Ndinonyatsoda Kubhadhara Inishuwarenzi Here? Pano Pane Zvimwe Zvechokwadi
Izvo zvinokonzerwa nekupomerwa mhosva muupenyu hwedu hwemazuva ose zvakakura zvakanyanya mumakore akawanda akapfuura. Funga kuti maererano nekuongororwa kweNational Safety Council (NSC) muna 2013, mumwe wevanhu gumi nematanhatu, akawana kukuvadza kusingarangariri mumusha waida rubatsiro kubva kune chiremba.
Izvi zvingave zvakafukidzwa sechikamu cheshuwarisi yemhosva yekubhadhara kuchipatara kune vamwe.
Uyewo funga, zvichienderana nemari yekubhadhara inishuwarenzi , maererano neIniscience Information Institute, inenge imwe yevane dzimba dzekuchengetedzeka makumi maviri nemashanu dzinodzingwa gore roga roga, uye inenge imwechete mu 1 000 mitemo yeimba yeimba ine mhaka yekuzvimiririra.
Dambudziko reMhosva Dzinobva Kubasa Rakanaka Ndeyechokwadi, Pasinei Nezvinhu Zvako.
Kuvharirwa kwekodzero kunogona kunge kwakanyanya kudengenyeka apo inosvika pakutenga inshuwarisi. Kubva pakubhadharwa kwehutano hwevanhu pachavo kunouya nepamusoro pekugara kwehutano yemainisitiri mazano sechikamu che "pepa" vanhu, vanowanzofunga nezvekukosha kwekuvakwa kwavo, condo, kana zviri mukati, uye kutora chikamu chikwereti chisingabvumirwi.
Ndeipi Nzira Yakanakisisa Yokuwana Bhizimisi YeInhurensi?
Inogona kuiswa sechikamu chekugara kwako inshuwarisi:
- Homeowner Insurance
- Mutariri kana Renter Insurance
- Condo Insurance
Nokuda kwechinangwa chekukurukurirana uku, tichakurukura mazano aya ari pamusoro apa seimba yako inshuwarisi.
Ndezvipi Zvakawanda Kuzvipira Kwemunhu Inishuwarenzi Mari?
Mari yacho inonyanya kukosha sezvo kugara kweinishuwarenzi mitemo inoshandisa purogiramu yavo pamutengo wekuchengetwa kwechivako kana kukosha kwehutsimbisi hwezviri mukati. Kuvharirwa kwekodzero chikamu chepakiti.
Kuwanda Kwako Kuzvipira Kwako Inishuwarenzi Ndinofanira Kuwana Here?
Kambani imwe neimwe yehushuwarisi ichapa mitemo yakasiyana-siyana yematongerwo emitemo mumapato inowanzotanga pa $ 100,000 muUnited States uye kazhinji inosvika madhora madhora mazana mashanu muCanada.
Kuwedzerwa Mukana Wako Wega PaInishuwarenzi Yako
Tichifunga nezvekudhura kwebhadharo rekuita basa, iwe unofanira kugara uchitora kutora mari yakawanda inowanikwa kwauri. Iwe unogona kudzokorora zvido zvako zvakasiyana newaini yako yeinishuwarenzi kana mumiririri uyo achave akakwanisa kukupa iwe kuti chii chaunowanikwa kwauri uye anopa muganhu wakakodzera kwazvo. Kana iwe uchida zvakawanda pane izvo zviripo, ivo vachakwanisawo kukurukura inshurensi yemhosva yemainsurance , iyo inogona kukudzivirira iwe.
Nzira Yekuti Kukanganisa Kunogona Kukuchengetedzei Iwe Nomumhuri Yako Kuve Nzvimbo Uye Munyika Yose
Vanhu vanowanzofunga maererano nezvenzvimbo yavo pachavo. Zvisinei, zvakakosha kuti inshuwarisi yemhosva inokuchengetedza kubva kune nzvimbo uye pasi pose mumamiriro akawanda. Heano mienzaniso mishomanana.
Kana iwe uchifamba uye uchida kutora zororo, kubhadhara kwako kwekubhadhara kunogona kukudzivirira kubva kune imwe nzvimbo zvakare.
Muenzaniso weUkweretesa weUyo Munhu Wega Inishuwarenzi - Wako Rudo Rwokutengesa Rwendo Rwakaenda
Fungidzira iwe uchizviwana pazororo rukuru, iwe wakabvarura nzvimbo yega yega pamhenderekedzo uye wakasarudza kuchenesa nzvimbo yacho nemarambi asinganzwisisiki kuitira nzvimbo yakakwana kuti uone zuva ravira. Sezvauri kufamba pamhenderekedzo yegungwa usati wadya, mhepo inotora imwe nzira uye mwenje yako inovhenekera nzvimbo inopisa moto. Ihotera yacho inokubata iwe pachako iwe unotarisirwa kubva iwe wakaisa mazhenje panzvimbo, uye kamwe kamwe iwe hausi wekutongerwa kwekukuvara kwaro, asiwo kune yakarashika mari kubva kune vamwe vatenzi vanogona kushandisa nzvimbo iyo vachivakazve. Basa rako pachako rinogona kukubatsira.
Kutamba mitambo? Mutoro Wega Unogona Kukudzivirira Nhengo dzeMhuri Yenyu
Mhosva inokuchengetedza iwe iwe kana nhengo dzemhuri yako kuita mitambo, uye inogona kukuvadza vamwe zvisingaiti .
Funga nezvekurova baseball kubva paki kuenda kumugwagwa, zvakadini kana ikarova mwana, kana kuputsa hwindo kubva mumba?
Mumwe muenzaniso, fungidzira kana iwe uri gorofu uye iwe unorova bhora asi inotora kutendeuka nenzira isina kururama uye inorova imwe gorofiti pamusoro. Izvi zvinogona kuguma nekukuvara kwakanyanya iwe waizove wakatarisira.
Kuvharirwa kwekodzero pamutemo wako wekugara kunobatanidza huwandu hwemamiriro ezvinhu. Pakupera kwezuva, izvi zvose zvinokudzivirira kubva kune zvakawanda zvezviitiko zvinogona kuitika zvisina kuitika asi asiye iwe pamutsara wekukuvara.
Zano: kutenga Dhizi? Mhosva yeInishuwarenzi Inokosha kuVadzidzisi veChikepe.
Waiziva here kuti kunyura ndicho chikonzero chikuru chekufa kwevana vane makore 1 kusvika ku4, uye ndicho chechipiri chinotungamirira chikonzero chekufa kwevana 5-14 (Injury Facts, 2015)Nguva dzose rega muimiridzi wemu inshuwarisi azive kana iwe une dziva.
Chii Chisiri Kufukidzwa Nezvakanakira Pfungwa Pamutemo Weimba?
Kuvharidzirwa kwekodzero kunopiwa pamusoro pemitemo yako yakazara kwakaoma.
Mimwe mamiriro ezvinhu akafukidzwa, zvichienderana nemamiriro ezvinhu chaiwo, akadai semvuracraft.
Mune zvimwe zviitiko, mhaka inobva pakushanda kwemvura inenge isina yako inogona kuvharwa, asi mune dzimwe nguva zvichienderana nemotokari, kureba kwechikepe kana mamiriro ezvinhu kubva kwaunoona iwe uri kushanda chironga ichi, iwe haugoni kuvharwa zvachose.
Zvimwe zvinhu zvakajeka zvisingabatanidzwi kubva pamubhadharo wemhosva yako, zvakadai sekukwanisa kwemotokari dzinoda kubhadhara uye kubvumirwa kushanda mumigwagwa. Ichi ndicho chikonzero motokari inoda mari yehutambisi yveshuwarisi uye haina inshumo pasi pemitemo yeimba.
Mukana Wepamwe Chete Zvisingawaniki uye Imba Bhizimisi Basa
Mhosva inobva kumabhizimisi emisha inogonawo kuva inonyengera uye mumamiriro mazhinji evanhu inogona kubviswa. Kana iwe ukashanda bhizinesi rekushandisa iwe unoda kupa zano kumumiririri wako wehushuwarisi kuti uone kuti une kodzero yakakodzera panzvimbo. Haikwanise kungoita zvaunotakura asi iwe pfuma yako zvakare. Kazhinji kugoverwa kunogona kuwedzerwa nekutendesa kusina mari .
Kana iwe uine mhosva kune chimwe chinhu iwe uri kushanda kana sechikamu chebasa rako, izvi zvingave zvisingabatanidzwi.
Basa rako sechikamu chekushamwaridzana, bhodhi revatungamiri, kana risina purogiramu inogona kuvharwa mu "pamusoro pepamusoro" mazano, asi haasviki nemitemo yakawanda. Zvechokwadi mubvunze kana izvi zviri zvinhu zvine chokuita newe.
Usambofunga kuti iwe wakafukidzwa kamwe chete. Mune mamiriro ezvinhu akawanda, kana iwe uchitora chikwereti chechimwe chinhu, iwe unogona kuumba kusagadzikana uye usingafukidzwi. Nguva dzose taura nemumiririri weinishuwarenzi kuti uite kuti vaongorore mamiriro ezvinhu uye tsanangura kuti sei kugoverwa kwako kushanda.Vano vari munzvimbo yakanakisisa yekukurukura zvakasarudzwa pamutemo wako.
Ndinofanira Kutendera IInishuwarenzi Imiti Kuziva Kana Ndichifunga Kuti Ndiri Kutambudzwa Here?
Nokuva nekambani yeInishuwarenzi inodzivirira mutoro wako pamusangano wekutongwa, iwe unopinda muchibvumirano sechikamu chekambani yako yveshuwarisi kana mutemo wauchaita kuti kambani ye inshuwarisi ione chero zvipi zvingave zvikwereti zvinopesana newe kana uchangobva kuziva . Iwe unofanirwa kushanda pamwe nekambani yeinishuwarenzi. Shanduro yemitemo inoparadzaniswa kubva kumatunhu kusvika kumagariro. Zvisinei, iwe unofanirwa kudana nhengo yako, broker kana wumiririri wemubhizimisi kuti ubvunze pamusoro peizvi zvaunosungirwa kuita kuti uve nechokwadi chokuti unonzwisisa kuti rinoshanda sei kwauri. Kana iwe uchida, iwe unogonawo kudana state yako inshuwarisi commissioner yekupa mazano akawanda.
Chokwadi Chinokosha Chaunonzwisisa Pamusoro Pekuita Kwemhosva Inopiwa NeInishuwarenzi Yako
Usambokanganwa kuti inishuwarenzi mitemo ndeyezvibvumirano zvepamutemo, uye pane zvinotarisirwa mune chero chibvumirano. Nenzira imwecheteyo, vanobvumirana kukubhadhara iwe nekuda kwekutsvaga, iwe une zvimwe zvawakabvumirana nazvo. Kana iwe usingazivi zvavari, zvinokosha kuziva.
Ndinofanirwa Kuudza Inishuwarenzi Yangu Yese Zvinhu zvose?
Hazvisi zvisizvo mukushanda nevhuwarisi maklayiti kuti vavanzwe vachibvunza kuti nei vachida kuzivisa mamwe mashoko, kana kubvunza, "Ndeipi bhizinesi iyo yekambani ye inshuwarisi yekuziva izvi?" Vanhu vazhinji vanofunga kuti kune zvimwe zvinhu zviripo kwete bhizinesi rekambani yveshuwarenzi. Zvisinei, kana iwe uchifunga pamusoro pehuwandu hwehuwandu hwehuwandu hwemitemo yepurogiramu yako ichakubatsira iwe, zvinonzwisisika kuti kubatana nekufunga kwekambani yeinishuwarenzi semumiriri wako mumamiriro ezvinhu aya inokosha.
Ko Kana Ndisingabatanidzi NeInishuwarenzi Yangu?
Kusakwanisa kushanda nekambani yeinishuwarenzi, kana kuti kuita kuti vazive zvinogona kukanganisa zvinogona kukonzera matambudziko makuru kwauri, uye pane dzimwe nguva, zvichienderana nemamiriro ehurumende yako yveshuwarisi kana mutemo, zvinogona kuita kuti iwe usakwanisa kubatsirwa.
Mutoro Wakavharwa Ndiyo Nzira Yakanakisisa Yokudzivirira Mari Yako, Nhaka Yako, Mhuri Yako uye Ramangwana Rako
Paunofunga pamusoro pazvo, kuva nekambani ye inshuwarisi inomira shure kwako mumamiriro ezvinhu emurairo iyo inopa maitiro emutemo uye mazano , iyo yakanaka yakasimba. Ndiko mune zvavanonyanya kufarira kushanda pamhosva yako uye kukupa iwe rubatsiro rwakakosha. Paunenge uine inshuwarisi yemhosva, iwe unogona kuzorora zviri nyore kuziva kuti kana chimwe chinhu chisina kunaka, mumwe munhu ane musana wako.