Ichi Ndicho Chakafukidzwa
Musha wako inshuwarisi yechipatimendi haisi mvumo yeimba, kana iwe uri wokutanga kumutengesi kumusha, uchienda kumba kwako wechipiri kana wechitatu, kondomu itsva kana kuti iwe uri kutengesa imba yako, ungada kudzidza nezvakabatsiri zvevimbiso yeimba kuti ikubatsire kusarudza kana iwe unofanirwa kutenga imwe kuwedzera pamusha wako inshuwarisi .
Chii Chirongwa Chekumba?
Chirango chekumba chigadzirwa chinoreva kuvhara zvinhu zvakasiyana zveimba yako uye kukubatsira iwe kunze kwemari kana uchida kugadzirisa. Chirango chekumba chakafanana neshumiro uye dzimwe nguva kugadziriswa kontiniti yezvinhu zvinokosha mumba mako.
Kunyanya, kana iwe uine waranti yeimba pamba pako, iwe une kontinesi yebasa kuti ubatsire kana uchida kuita kugadzirisa kunodhura kana mune zvimwe zviitiko, kana iwe uchifanira kutora chimwe chinhu chezvinhu zvakatemwa mumba mako.
Vagadziri vimbiso zvakafanana mubhuku, kunze kwekuti vakavhara zvinhu zvakasara kana zvinhu pane imwe nguva yakatarwa, waranti yeimba inoshanda pakusarudzwa kwezvinhu zvakasiyana mumba mako zvichienderana nesangano rako.
Semuenzaniso, mamwe mavimbiso achafukidza zvinhu zvose kubva kuHVAC, mapurisa, mafashoni anokosha, kumidziyo uye motokari dzavo, zvichienderana nekushambadzira. Iwe unogona kusarudza kubva pachirongwa chikuru chekuchengetedzwa kweimba kumusha kusvika pakugoverwa kwakanyanyisa zvichienderana nezvido zvako, bhajeti uye kuti ingozi yakawanda yaunofunga kuti iwe ungave nayo.
Chii Chirongwa Chakanakisisa Chekumba?
Purogiramu yega yega yehutano yemhuri inopa mazano akasiyana-siyana ekuparidzira uye mamiriro ekuparidzira. Purogiramu yevashandi vekumba inogona kuvhara zvinhu-titi zvinhu zvakadai semhepo yekugadzirisa zvinhu, magetsi wiring kana kunyange midziyo. Tichadzokorora zvimwe zvezvikamu zviri pasi apa, asi hapana nzira yokutaura imwe yevimbiso yemusha ndiyo yakanakisisa.
Iyo yakanakisisa yemvumo yechivimbiso yemusha ndiyo ichakupa kudzivirirwa kwaunoda kumusha kwako. Tisati taongorora zvimwe zvezvinhu zvevimbiso dzemusha uye kuti ungawana sei zvakanakisisa kune mamiriro ako ezvinhu, ngatitsanangurirei kuti chivimbiso cheimba chinopesana sei nemusha wako wekuchengetedzwa kwemishonga inshuwarisi.
Chii Chisiyana Pakati Pevimbiso Yekumba uye Inishuwarenzi Yepamba?
Imba yevimbiso nehutano inshumo zvose inotarisira mamiriro asina kutarisirwa. Misiyano ndeyokuti mumutemo weimba yako pane zvisingabvumirwi nezvekugara nekupfeka uye kushandiswa kwemichina. Kana mudziyo wako wokushambidzira uchinge wapera, kana mhepo yakasvibiswa yemhepo inokundikana, kunyatsoshandiswa kwezvinhu izvozvo kana kugadzirisa hakukwanise kuvharwa kunyange zvazvo zvichikonzerwa nekuvhiringidzika kungave kwakafukidzwa mumutsara , somuenzaniso, kana pane mvura yakanganisa .
Chirongwa cheimba chinogadzirirwa kuvhara zvinhu zvakawanda izvo zvisingawanzofukidzirwa nemishonga yemishonga yemhuri ndiyo inoita kuti chigadzirwa chinakidze kune vashandi vemisha.
Unogona Here Kuwana Chirongwa Chekumba KweCondo?
Hongu, zvivimbiso zvekumba ndezvedzimba pfuma saka kana iwe une condo kana imba, iwe uchiri kushandisa kushandisa waranti yeimba. Somuenzaniso, kana gwaro rako rekugadzirisa rinovhara ndiro yako yakashambadzira, kana mhepo yekufambisa kana kupinza mabhomba, iwe uchiri kungofanana nezvinhu izvi kana iwe uine kondomu, sezvaunenge uri mumba.
Chirango chekumba chinogona kuva chinhu chinokosha kune vimba veimba uye vadzidzisi vemakondomu zvakafanana.
Unogona Kutenga Musha Wechivimbiso Kubva Kubva Kamba Yako Inishuwarenzi?
Kunyange zvazvo kuvharidzirwa kwepaimba kumusha hakusi chikamu chemhuri yako yemainsurance inshuwarheni, imba yako yveshuwarensi mutengesi kana mutengesi angave ane zvimwe zvingakubatsira iwe. Nekuwedzera kukurumbira kwevimbiso dzemhuri, vatsigiri vemisha vakawanda vanotanga kupa zvipo zvepahoro zvinogona kuwedzerwa kune inishuwarenzi yehurumende yehutano.
Iva nechokwadi chokuti iwe unobvunza kambani yako yveshuwarenzi yemusha kana vane kubvumirwa kwavanogona kuwedzera iyo inokupa iwe rudzi rwekugovera kwauri kutsvaga usati wautenga kune imwe nzvimbo. Ipapo iwe unogona kushandisa urongwa hwezvinhu zvinowanzovharwa pasi apa kuti uenzanise kuti iwe unenge wakachengeteka zvakadini pamutengo wakanakisisa.
Unofanira Kutenga Imba Yenyu Warranty uye Home Inishuwarenzi Kubva Munzvimbo Yakafanana?
Kubudirira kwekutora gwaro rekugadziriswa sekusimudzirwa kumutemo wepamba, kana kuti kuburikidza nemufanisi mumwechete kana mutengesi, ndeyokuti kana iwe uine dambudziko rimwe chete rinoda kugoverwa kubva kumba kwako inshuwarisi uye yevimbiso yeimba iwe unofanira kungotarisana nenzvimbo imwechete uye zvichida imwe inotaura.
Izvi zvinogona kukuponesa nguva yakawanda uye dambudziko.
Chii Chinobudiswa Nevimbiso Yeimba?
Heano mimwe mienzaniso yezvinhu zvingave zvakafukidzwa kushanda, kushandiswa kana kusashanda purogiramu yekuratidzira kumba, yeuka purogiramu yega yega yeimba yehutano inotarisirwa iwe pachako, saka ivai nechokwadi uye mubvunze zvakananga purogiramu iwe uri kufunga nezvekutenga usati wazvipira kune chibvumirano, izvi zvinongova mienzaniso yezvingave zvakafukidzwa nezvirongwa zvakasiyana zvekubatsira iwe kutenga waranti yakanaka:
- Plumbing
- Wareji yemairi uye zvivakoti
- Zvinoshandiswa sefriji, mahesheni, mashizha, magofu uye mabhedheni
- HVAC systems
- kontrakiti kana kugadziriswa mabasa nevashandi vakadai se plumbers uye magetsi
- central vacuums
- zvinodhaka
- ceiling fans
- bathtubs with motors
- jacuzzis, dziva, uye spas
Ndezvipi Zvisarudzo Zvimwe Pakusarudza Chirongwa Chekumba
Iwe unogona kuva nezvimwe zvinhu zvinowanikwa muurongwa hwehutano hwemusha, iva nechokwadi chokuti unobvunza zvose zvaunosarudza uye sarudza kuti ndeupi chikwata chebasa rebasa raunoda. Heano mimwe mienzaniso:
- Zvirongwa zvinoshandisa midziyo chete
- Zvirongwa zvinoputira zvirongwa mumba mako, sepakati pekuvhara, HVAC
- Zvirongwa zvinotakura midziyo uye masangano
- Wedzera-ons for appliance kana zvirongwa zvinogona kusanganisira dzimba dzokushambira, whirlpools, saunas, spas, nezvimwewo.
Mibvunzo Yekubvunza Pamusoro peVaranti Yomusha Usati Watenga
- Pane mamiro ekugoverwa kwega rega. Pane humwe humwe hutanda hwemagetsi akaiswa kunze here? Pane huwandu hwemari inobhadhara here?
- Ndezvipi zvakakodzwa?
- Ndezvipi zvekushevedza kwekufambisa zvakaputirwa? Pane kune muganhu wehuwandu hwemashoko ekufambisa?
- Pane chikonzero chekuti unyanzvi auye uye aone kana chimwe chinhu chakafukidzwa kana kwete? Iko kunogona kuva nemari yebasa iri kutengeswa kuwedzera pane yako yakabviswa.
- Iwe unofanirwa kushandisa sangano ravo rekugadzirisa uye vanhu vebasa, kana iwe unogona kusarudza rako pachako?
- Ndeipi nzira yekuita kudai? Iwe uchabhadhara sei?
- Pane nguva yekumirira here?
- Ndezvipi zvinokanganisa zvakabviswa? Bvunza mienzaniso kuti uve nechokwadi chokuti unonzwisisa huwandu hwekugovera. Mamiriro mazhinji anogona kuva anonyangadza uye ane zvipingamupinyi kana zvisingakwanisi, kunyanya nemagetsi nemafuta, iyo iyo inoshandura mitemo yakagara isati yava yakakosha.
Chenjerera kuti chirongwa chega chega chinotsanangura tsanangudzo yemhando ipi yebasa ravanenge vachida kupa kana iwe uchigadzirisa, kushandiswa, uye zvimwe.
Iwewo unoda kuziva kana waranti yacho yakakosha nezera remakore, mamwe mavimbiso angarondedzera kuti anongoshandisa midziyo yemakore gumi uye pasi, semuenzaniso. Zvimwe zvirongwa hazviregi mafiriji.
Zvakakosha kubvunza mibvunzo yakawanda pamusoro pokuti ungaita sei kudai uye chii chaunotarisira usati watenga chisarudzo.
Kana uri kuedza kuenzanisa zvirongwa, usanyara kubvunza kuti chirongwa chako chauri kutarisa chinowirirana kune umwe.
Dzimwe nguva vatengesi vanoziva makwikwi avo uye vanofanira kukwanisa kujekesa kuti nei chirongwa chavo chiri nani.
Iwe Unogona Here Kuwana Waranti Yepamusoro Yemahara?
Musha mavimbiso angave akabatanidzwa se perk paunotenga musha mutsva . Dzimwe mahofisi edzimba kana vatengi vanogona kupa chivimbiso chekugara kumba sechikamu chebasa rinowedzerwa ravanopa kana vachikutengesa imba. Mune zviitiko izvi, waranti inogona kungova yegore rimwe chete, uye inogonawo kungosanganisira zvinyorwa zvese.
Kana wakatenga imba ichangobva kuvakwa, zvino muvaki anogona kupa chivimbiso chekumba chekumba nekuti iri chivako chitsva. Izvi zvingava zvishoma kune magetsi, kupinza mabomba, chimiro, uye air conditioning system. Iwe unogona kukwanisa kuparidzirwa zvakanyanya kuburikidza nechibvumirano chebvumirano chebvumirano chekumba.
Vamwe vanotenga chikwereti vanopawo chivimbiso chemusha chepachena sechikamu chekukosha kwavo kuwedzera purogiramu nemabasa. Iwe unogona kuona sarudzo yekusarudza mukati kana kuti kunze kwechirango chekumba paunosayina zvinyorwa zvako zvekutengesa.
Kana uri kuwana chikwangwani chemasununguko, ingoita kuti uve nechokwadi chokuti unonzwisisa zvaunoda kuita kana uchida kuzvisunungura mushure mekusununguka kwenguva, uye kuenzanisa izvo zvakafukidzwa nemhando dzakasiyana-siyana dzehutano hwekumba dzatakurukura pamusoro apa. Kana iwe uchida mvumo yepaimba iri nani, iwe unofanirwa kukumbira kuti uwane mamwe mashoko pane kufunga kuti ndizvo zvaunoda.
Kutenga Warranty Home Paunenge Uchitenga Imba Yako
Nenzira imwecheteyo, sangano reimba rekugara kana mutengesi anogona kukupa waranti yeimba apo iwe unotenga imba itsva; mutengesi angasarudzawo kutenga warranty yemusha paanoisa imba yavo pamusika. Izvi zvinogona kubatsira zvikuru kune mutengesi , kana mugoti weimba yemugovera uyo ari kuedza kutengesa imba nokuti inowedzera huwandu hwekuchengeteka uye kuvimba kune vanotarisira vatengi. Ichi ndicho chikonzero iwe ungaona imba iri kutengeswa newarranty home inowanikwa mubasa racho.
Kuita Kwemusha Kunoratidzirwa Kwakambosvibiswa Here?
Musha mavimbiso ane zvakaderedza . Nenzira imwecheteyo, unogona kushandisa deductible kuti uchengetedze mari paimba yako inshuwarisi , unogona kusarudza kutora zvakaderedza deductible pachibvumirano chako chebasa rebvumirano chekumba kuitira kuti iwe ubhadhara mari yakaderera yegore.
Muenzaniso wekutsvaga: Home Warranty vs. Home Insurance
Chinhu chako chekudzikisa gorosi chinopera mvura ichidonhera pasi pose uye kuburikidza nedenga remuzinda wako unoisa masvingo uye shenje inokuvadza uye pasi. Zvose zvinofanira kubvarurwa uye kushandiswa. Imba yako inshuwarisi inogona kunge yakavharidzirwa kwekukuvara kwemvura, asi haifaniri kuvhara iyo inokonzera chikonzero chekukuvadza iyo inosvina. Chimbofungidzira kana chikonzero chekukuvara chakave chakasakara pasi pemushandisi, uye zvinoda kutora zvikamu munzvimbo yekudhenesa. Mvumo yako yeimba inogona kuvhara izvi, uye imba yako yunivhisi yveshuwarenzi inogona kuvhara zvimwe zvese.
Muenzaniso weKuvimbiswa Kwekumba Kwokubhadhara Ikoko Inishuwarenzi Yepamba Haingaiti
Iwe une imba yekuongorora uye kugadziriswa kwekugadzirisa kuongororwa nekambani yako inshuwarisi yekambani, uye vanoona kuti chiedza chinopenya chinogona kureva kuti wiring inoda kushanda. Imba yako inshuwarisi inokuudza kuti inogona kukuvadza moto uye kambani ye inshuwarisi inokukumbira kuti uite kugadzirisa kuchengetedza inishuwarenzi yako iri kushanda . Sezvo pasina kumboitika njodzi kana kukanganisa kamwe kamwe kana kukanganisa, imba yemishonga inshuwarheni haizobhadhara yekugadzirisa kana kugadzirisa nguva dzose. Iwe unosangana nekambani yako yekuratidzi yeimba, uye vanotumira nyanzvi kuti atarise mamiriro acho ezvinhu nokuti wakatora bvumirano yakanaka yekushandira pamwe nevakawanda-add-ons uye kugoverwa kwehutambo hwemagetsi, vanoziva kuti chii chinokonzera dambudziko uye chii chinofanira kuva yakaitwa uye yakavhara zvakakodzera kugadziriswa.