Kuwedzera Kuda Kwekuda Kwekamba Yako Inishuwarenzi Pamusoro Pengoro Yako, Pamba Neimwe Pfuma
Inishuwarenzi yembrella ndiyo yerudzi rwechipiri yemhosva yehushuwarenzi inobhadhara iyo inobata mutoro wako pachako. Iyo inozivikanwawo sehutano hwemishandiro yveshuwarenzi yakawandisa yemunhu, rudzi urwu rwematongerwo enyika haisi chimiro chega voga ndicho chikonzero ichi chinozivikanwa semutemo wechipiri. Inishuwarenzi yembrella inokupa kuwedzerwa kuchengetedzwa kwemhosva kune mhosva, uye zvinotaura kuti zvinokurwisa iwe. Iyo inzira isingadhuri yekuchengetedza ramangwana rako rezvemari kana zvinhu zvakasimbiswa.
Chibvumirano chako pachako Inishuwarenzi inokwidza apo apo mutemo wako wekodzero yemitemo haikwani. Iyo inokuchengetedza iwe pamusoro nepashure pemiganhu kune vimba veimba yako kana kuti condo inshuwarisi , motokari yveshuwa, mvuracraft kana imwe inshuwarisi yemitemo.
Nei Uchida Kuve Nehutano Inishuwarenzi Kana Iwe Wakave Nemhosva Yakavhara Inishuwarenzi?
Inishuwarenzi yembrella ndiyo nzira yechipiri ye inshuwarisi, inoda chirevo chekutanga, kana kuti chinangwa chepamutemo chekutanga kubhadharwa kudai mushure mekuvhara mubhadharo kubhadhara inoshanda.
Semuenzaniso, imba yemuishuwarenzi yemusha inopa chikwereti chikuru chekurasikirwa, kana mari yemuridzi weimba yemunhu ari kupera kana kuti yakashungurudzwa, zvino umuseri inishuwarenzi inoputika. Inishuwarenzi yembrella inogonawo kutumidzwa seinishuwarenzi yakawanda yemubhudha.
Chii chinonzi Umbrella Insurance Cover?
Inishuwarenzi yemhosva yechipupuriro inogona kukudzivirira kubva kune:
- nharo dzinokonzerwa nenzvimbo kukanganisa, kukuvara
- iyo inobatanidza mutemo wezvidziviriro mari kana iwe ukasungirirwa kukanganisa kune imwe nzvimbo yevanhu kana kukuvadzwa.
Ndinoda Bhudziro Inishuwarenzi Here?
Nhasi, kutongwa kwemhosva kwose kwose . Mareji mazano ari kupa mari yakawanda kupfuura kare.
Vadzidzisi vekumba , motokari, uye mitemo yemvura inogumira kune inshuwarisi yemhosva . Inishuwarenzi yemhosva ndiyo chikamu cheimba yeimba kana kuti motokari yemitemo inobhadhara mari yakadai se: munhu akakuvara:
- medical bills
- rehabilitative therapy,
- akarasikirwa nemubairo nekuda kwekuregererwa kweiye akakanganisa munhu.
Chikamu chekodzero cheinishuwarenzi inobatanidzawo mutongi wemudziviriri wezvidziviriro kana kusaregerera kwaizoitika kuti munhu atadze munhu ari muimba yekutonga. Mushure mokuwedzera mari yese yezvokurapa kune avo vakakuvadzwa uye mari yepamutemo yevanhu vasina hanya, mutoro unowanikwa muimba yevamwe kana kuti motokari yemitemo haigoni kukwana.
Munenge mamiriro ose ehurumende ane mitemo yemari yemitemo ichaita kuti vatyairi vazvidavirire kukuvara kwemuviri uye kukuvadzwa kwepfuma kunokonzerwa nematokari emotokari uye uyo anotyaira mhosva anogona kupomerwa mhosva yacho.
Zvinhu zvomunhu oga kubva kumunhu anotya mhosva zvinogona kubatwa zvichibva pamhosva. Mitemo yakafanana inoshandawo kune vadzidzisi vemusha uye vanogadzira mvura.
Kana njodzi ine njodzi inofanira kuitika iyo ndiyo mhosho yako, unayo inshuwalisi yakakwana yepamutemo yako kubvazvino mazano ekuvhara mari yako yekuregererwa ? Sezvo pasina munhu anokwanisa kufanotaura kuti mutongi angapa sei munhu akakuvara, umburira inshuwarisi haisi yevapfumi chete, asi kuchengetedzwa kunodiwa kune wese anoshanda.
Inopupurirwa Zvikwereti Zvakawanda Zvikwereti Zvakadini?
Mutoro wemuviri weumushuwarenzi yechipupuriro inogona kukupa kuwedzera kwekuchengetedzwa kwemhosva pasina mari yakawedzerwa yakawedzerwa.
Zvichienderana nehuwandu hwemamburera hutachiwana hunosarudza kutenga, hunogona kutenga mari shomanana ne $ 100 pagore kwemamiriyoni 1 emadhora ekugoverwa, uye yaizowedzera zvichienderana nekuwanda kwehuwandu hwaunahwo. Dzimwe yveshuwarensi yemhosva inodhura, kunyanya kuenzaniswa nehuwandu hwehuwandu hwekuwana mari, kubhadhara $ 100 kusvika ku $ 150 mukutsinhanisa $ 1 mamiriyoni ekuchengetedzwa ndiyo mamiriyoni emadhora mashoma aunogona kutenga.
Kuvhara Kwakawanda Kwakawanda Kuita Sei MuInishuwarenzi Ndinoda Here?
Iye zvino zvaunoziva kuti zvisingadhuri mari ye insurarensi yemhosva yemainishuwarenzi ndeyekuti, iwe unoda kutora mamiriro ako ega ega kufungidzirwa kuti asarudze kuti inguva yakareba sei umbrella inshuwarheni.
3 Mibvunzo Yekuzvibvunza Iwe Nezvembrella Mutoro uye Dambudziko Rako
- Ndeipi kukosha kwezvinhu zvako?
- Chii chaunogona kurasikirwa nemari yeramangwana?
- Ndezvipi ngozi dzaunofunga kuti ungatarisana nazvo?
Ndiani Anogona Kubatsirwa neUmbrella Inishuwarenzi?
Vanhu vane zvinhu zvakasikwa zvavanoda kudzivirira kumira vanorasikirwa nemari yakawanda yemari mune mhosva.
Kana iwe ukasungwa iwe unogona kurasikirwa chero ipi zvayo yawakagadzira, kusanganisira imari uye zvose zvamunazvo. Vafumi vari mungozi, asi ndizvo zvakaita avo vasina zvinhu.
"Munharaunda inoshamwaridzana zvinhu zvose zvinokwana kubata, izvo zvinosanganisira mari yako, mari yako, uye pakusipo kwezvinhu, zvingave zvako ramangwana rako."
Kana Ndisina Mari Kana Nhaka Sei Tichifanira Kutenga Umbrella Mutoro?
Kunyangwe iwe ungangodaro uchangobva kutanga, kana usina hutsika hwakasimbiswa, usafunga kuti dare harifaniri kupa zvikwereti kune wechitatu kana iwe uine mhosva yekukuvara.
Kana usina zvinhu, iwe unogona kusungirwa kubhadhara madhara anopiwa nemari yako yeramangwana! Kana iwe uri mudzidzi achidzidza nezvehuwandu hwako, kana kunyange kana iwe unotarisira kuti pakupedzisira usimudzirwe uye ushande nenzira yako kusvika pakutenga kwakakwirira, ramangwana rako remangwana rinogona kutarirwa.
Kuwanda Kwakafuridzirwa Ndeapi Mhirizhonga Inishuwarenzi Inouya?
Unosarudza huwandu hwehuwandu hwaungada kuva nawo nemubharia inshuwarisi. Imwe mitemo inonyorwa pasi inoparadzaniswa nekambani yeishuwarisi kune kambani ye inshuwarisi uye inogona kupa kugoverwa kwe makumi makumi emamiriyoni emadhora, kana kuti zvishoma semamiriyoni chete emadhora. Zvose zvinoenderana newe uye bhajeti yako. Uyewo ona kuti dzimwe makambani anokwanisa kuwedzera kaviri kana katatu kugoverwa kubva pa 1 mamiriyoni kusvika kune maviri kana matatu, asi mari yekuvhara haina kuwedzera kaviri kana katatu. Zvakakosha kuwana zvinyorwa zvemaambura mashoma emishuwarenzi musati maita chisarudzo chenyu.
Ndezvipi Zvido zveShoko Rokutaura?
Kuti hurongwa hwemaamburera hutange kutanga kubhadharwa, hutungamiri hwepamusoro huripo hunofanira kunge hwave huripo, uye huchiripo huripo huripo.
Muenzaniso wekuti Mutemo Wechemberi Wechemberi Inoshanda Sei
Semuenzaniso, vimba vemba, mazano edzimba uye vashandi vanozopa mutoro wekutanga. Motokari dzine zvigaro zvakasiyana-siyana zvinotarisirwa zvichienderana nehurumende. Hurumende huwandu hwehuwandu hwekugoverwa haisi nguva yakakwana yekuwana zvishoma zvinotarisirwa zvinodiwa zvemuraira. Iwe unofanirwa kuve nechokwadi chekuti mutemo wekutsika unotakura mutoro wakakwana wemurairira wako chirongwa chekugadzirisa. Tanga uchifunga kuwedzera mitemo yako yemitemo pamusoro pehutano hwekutanga kutanga uye wobva wawedzera mutauro wemaambura kuwedzera kuwedzerwa kwekuwedzera kwaunoda. Iyi nzira inogona kukuchengetedzawo mari.
Umbrella Insurance Policies Inoda Inishuwarenzi Isingakwanisi Inonyorera
Makambani eInishuwarenzi achaisa zvinyorwa zvinyorwa zvemuraira. Amburera mazano ekutaura achataura zvakajeka kuwanda kwemari yemhosva inotarisirwa kuitira kuti agone kushandiswa kwemurairira.
Zvipingamupinyi pamutemo wePaulo
Mamwe makambani emishuwarisi achakumbira iwe kuti uchengetedze zvinhu zvako zvose navo usati wapikupa muvharavha. Vanogona kuwedzera kuvhara kwemaambura sekusimbiswa kumutemo wako uripo. Mamwe makambani einishuwarenzi angave akakwanisa kukupa sarudzo yemusula semuenzaniso wega wega purogiramu chete. Iwe zvechokwadi une zvisarudzo pazvinouya pakutsvaga mutauro wemaamburera kuti uwane zvido zvako.
Izvo zvinhu zvakawanda zvaunazvo, uye zvakanyanya zvaunoda kuti uzvidzivirire, kunyanya iwe ungada kutarisa imwe inshurensi yakakosha, somuenzaniso, inokosha yeimba ye inshurensi yakadai seACE (yaimbova CHUBB), iyo inogona kusanganisira kudarika kana amburera mutoro mumitemo yavo sekusimbisa, pakati pezvimwe zvizhinji zvinobatsira .
Ndeupi Mashoko Anodiwa Kuti Uwane Umbrella Inishuwarenzi Kana Kuti Kuwedzera Mhosva?
Mibvunzo inowanzobvunzwa neanishuwarenzi iyo paunowana mazaremu inogona kusanganisira:
- kutarisa zvinhu zvako zvose pasi rose uye unovadzivirira
- Mutoro wemiganhu yeinishuwarenzi pazvinhu zvako zvose
- urongwa hwemotokari dzose kana zvikepe uye zvimwe zvekugadzirisa motokari dzaunenge uine, pamwe chete nemiganhu yavo yemainishuwarenzi
- pasinei iwe uri nhengo yedare revatungamiri kana risina purofiti
Chaizvoizvo mushambadziro wemubhadharo yemushambadzi uri kuve nechokwadi kuti uwane mufananidzo wakazara wemafumi ako uye kuti vanochengetwa sei kuti vave nechokwadi chokuti uri kuwana mhando yakakodzera yekugadzirisa uye kana iwe une mvumo pamutemo wechimbera, ivo vese vane zvose ruzivo rwavanoda kuti vakwanise kukubatsira. Kuongororwa kwezvinodiwa zvako kunokosha kuti ukudzivirire zvakanaka.