Chengeta imba yako yakachengeteka uye yakachengeteka
Chii chinonyanya kukosha kune rugare rwako rwepfungwa pane kuziva imba yako uye zvinhu zvakachengeteka uye uchiziva kuti iwe unofambiswa zvakanaka kune zviitiko zvisingatarisirwi zveupenyu? Kusarudza kambani yemishuwarenzi kuti iite izvi zvinotarisirwa. Pane mitemo yakasiyana-siyana yekufungisisa pakusarudza musha wehutano inshumo, kusanganisira kugutsikana kwevashandi, kugutsikana kunoti, kukoshesa mutengo, chiitiko chekutenga, kuwedzerwa kwesimba rezvemari nezvimwewo. Imwe makambani emunishuwarenzi emunishuwarenzi akambowana zvikwereti zvakakwirira pane imwe kana kupfuura zvikamu kubva kune mamwe masangano ehurumende yepamusoro yveshuwarisi, kusanganisira JD Power & Associates, AM Best, Insure.com People's Choice Awards, Reports Consumer uye Better Business Bureau.
01 Best Discounts: Erie Insurance
Erie Insurance inonyatsozivikanwa nehutori yaro auto asiwo isarudzo yakanakisisa yehutano inshumo. Iyo inowanikwa muimba inogona kuchengetedza makumi maviri muzana muzvikwereti uye kune vamwe policyholders (zvichienderana nehurumende) izvo zvingabhadhara zvinogona kuva zvinenge 30 muzana. Hazvisi zvose zvinokanganisa zvinowanika munzvimbo dzose. Iyo kambani ine nhamba yepamusoro-gumi muIndure.com People's Choice Awards pamwe nepamusoro-shanu JD Power Circle yero. Eric Inishuwarenzi ine "A +" simba rekubhadhara mari kubva kuna AM Best uye "A +" kubva kuBusiness Business Bureau. Erie Insurance iri mumakambani eAfrica Fortune 500 uye ane mamiriyoni mana emitemo yakanyorwa. Erie inopa auto, imba, renters, bhizinesi uye inshuwarisi yehupenyu. Coverage inopiwa mundima 12 uye Washington, DC
Erie ane mitemo mitatu yemuimba: Kubatsira, Plus uye Sarudza, iyo inopa kubhadharwa kushandiswa kwemari yezvinhu zvekumba uye zvepfuma yako nekutora nguva yemazuva gumi, 15, 20 nemakumi matatu. Bhuku rinogona kuwedzerwa nekugadziriswa kwekuzivikanwa kwekuzivikanwa, zvishongo nezvimwe zvinhu zvinokosha, bhizimusi pfuma, kuregererwa kwekutorwa kwezvikwereti zvinopfuura $ 50,000 uye chisarudzo chekuwedzera mitemo.
02 Best for Retirees: The Hartford
IHartford ine chibvumirano neAmerican Association of Retired Persons kana "AARP" kupa mishonga inshuwarheni kune vakwegura. Nhengo dzeAARP dzichawana zvakakosha kuti dzikwanise kutenga mitsara yakawanda yekugoverwa kubva kune imwe inshuwarisi uye inowana kuwedzerwa kwakanyanya purogiramu yavo yekuva nemitemo yakawanda. IHartford ine nhoroondo yekubwinya uye yakagamuchira zvikwereti zvakasiyana, kusanganisira kuva mukuru-gumi insurer muIndure.com People's Choice Awards uye JD Power & Associates Power Circle kukohwa. IHartford ine "A +" mari yehutano kubva kuna AM Best uye ine "A-" nhamba neBusiness Business Bureau.
Mishonga yveshuwarenzi yeImbai kuburikidza neThe Hartford inobhadhara zvakakwana kushandiswa mari dzimwe nguva kusvika 125 kusvika kuzana 150 muzana yekuvhara miganhu. Iyo kambani inopawo "ProtectorPLUS Zero Deductible" apo iwe unogona kukwira kusvika ku $ 5,000 yeimba yako yeimba inobviswa waived kana iwe uchitambura nechiitiko chinokuvadza nekukuvadza kukuru.
03 Best Best Customer Satisfaction: Amica Mutual
Amica Mutual ine dzimwe nhamba dzinonakidza mumishonga yveshuwarisi, kusanganisira kusarudzwa seyepamusoro-soro yeinishuwarenzi kambani inobva mukugutsikana kwevabereki pakati pevakati vambhodzi veimba kwemakore gumi nematanhatu mumutsara neJD Power & Associates. Amica Mutual ndeyepamusoro mukugutsikana kwezvikwereti uye kusimba kwesimba rezvemari ne "A ++" kubva ku AM Best.
Amica Mutual inopa vashandi vemunishuwarenzi ekuchengetedza mazano ehurumende pamwe chete nesarudzo yekuwedzera kuwedzerwa kwekubhadhara kusanganisira kubhadhara mari yeimba yako, pfuma yako uye zvinhu zvinodhura nechisarudzo chokutenga kuparara kwakaipisisa kwekudengenyeka kubva kudengenyeka kwenyika kana mafashamo. Amica's "purogiramu yeplatinum" inowedzera kuwedzera mitemo uye kusarudzwa kwematongerwo enyika kusanganisira kubhadhara uye kubhadharwa kwezvokurapa, kuwedzera kushandiswa kwekubhadhara mari, kuvhara, kushandiswa kwemvura uye kushandiswa kwekuchengetedza, pamwe nekuwedzerwa kwemari yekugadzirisa mari yezvinhu zvakadhura zvakadai sezvishongo kana makombiyuta.
04 Best Claims Kugutsikana: Auto-Owners
Vashandi vanozvipira zvinopa zvakawanda kupfuura kungoita auto inshuwaruri pasinei nezita rayo. Inopa mitsara yakazara yemishonga yemishuwarisi yemunhu uye bhizimisi yebhizimisi. Auto-Owners Inishuwarenzi ine simba rezvemari reA ++ (Superior). Chimwe chezvinhu Auto-Owner vanoita zvakanaka chaizvo zvinoshandiswa kushandiswa. Iko kambani yakagamuchira mari yakakwirira yekugutsikana mubayiro kubva kuna JD Power uye Association kwemakore akawanda. Home inshuwarisi inowanikwa kune policyholders mumasangano 26 anoshandiswa nevanopfuura 35,000 vanozvimirira.
Vashandi vanozvimiririra vanopa mudzidzi wekuchengetedza inshuwarisi yekuvharidzira ne 100% kushandiswa kwemari pamwe nezvimwe zvekugadzirisa zvingashandiswa zve: kudengenyeka kwenyika, mabhazi, gadziriro yemvura yakasununguka, makombiyuta ega, mambure ega ega, kuvhara kwekuzivikanwa, chando chemabhomba, gorofu kana imwe yemidziyo yemitambo, mambura ega ega uye Zvokudya zvinokanganisa mushure mokubuda kwemagetsi. Iwe unogona kuwana kutengesa kune inshuwaridzi yemunharaunda yako: dzimba dzekugara kwemwaka, mitemo yakawanda yezvikwereti, dzimba dziri pasi pekuvakwa, imba itsva / yakagadziridzwa, premium-inobhadharwa-yakazara, mudzidzi wekugadzirisa kwekumba nekudzivirira.
05 Best Call Center Support: Country Financial
Hapana chakaipa kudarika kuiswa pasi kana kuendeswa kakawandisa apo iwe unoda kudana ku inshuwarisi yako kambani kuti ushumire imba yako inshuwarisi. Icho chinhu chimwe chete chausingafanirwe kufunganya nezva Country Country. Country Financial's Auto uye Home Contact Centre yakagamuchirwa naJD Power & Associates nokuda kwebasa rinobudiswa nevatengi kuburikidza nechiteshi chemafoni chayo. Iko kambani inewo "A +" mari yehutano kubva kuna AM Best. Country Financial ine "A-" nhamba neBusiness Business Bureau.
Pane zvinhu zvitatu zvakakosha zvekuchengetedzwa kwemusha kuburikidza neNyika Financial, kusanganisira kugoverwa kwekutanga, kutanga kwekutanga uye kugoverana kwekugoverana. Imba inonyanya kushandiswa neimba inishuwarenzi inosanganisira kugoverwa kwezvipingamupinyi zvakadai semoto / mheni, kubba / kuparadza, mhepo / chimvuramabwe uye kupisa kwepombi. Nheyo yekutanga inowedzera kugoverwa kwekutsvaira kwekambani, kupora kuputika uye kukuvadzwa kwesimba kumagetsi. Nehurukuro yekubatanidza kuparidzirwa kuburikidza nemari yenyika, iwe une nheyo yemusha inoshuwarenzi yekuvhara pamwe neyokutanga kugoverwa kweimba yako. Mukuwedzera, unogona kusarudza purogiramu nemari chaiyo yekugadziriswa, kushandiswa kwemari, kubhadharwa mari yakashandurwa kana zvimwe zvekubhadhara mari, iyo inobhadhara kuvakazve imba yako kusvika kumazana zana ezana 125 emitemo yako. Izvozve zvinoshandiswa kutengesa mari yakasarudzwa hazviwaniki mune zvese zvese. Panewo huwandu hwemhosva uye yezvehutano inosanganiswa nemitemo yeimba yako. Dhaurirano inosanganisira mitemo yakawanda, kambani yechikwereti, makore ekugadzirisa, nguva yekugara, kupisa kwakachengeteka uye kumwe kuderedza kwechimvuramabwe chisingachinji.
06 Best Financial Strength: State Farm
Hondo yeHurumende Farm mune imwe yepamusoro-soro mubhizimusi ine "A ++" kubva ku AM Best. Izvo hazvina matambudziko State Farm ichave yakakwana yekubhadhara chero zvipi zvayo zvataurwa. Iyo kambani yakagamuchirawo nhamba yepamusoro-shanu kubva muzvikwereti zveIndure.com People's Choice uye ine nhamba yepamusoro-gumi muJD Power & Associates Power Circle Ratings. Izvo zviri nyore kuIndaneti kuverenga zvigadziro pamwe chete ne 24/7 kushandiswa kwebasa rekubika. State Far
Imwe nyanzvi yekuchengetwa kweimba inowanikwa muHurumende Farm inosanganisira kugoverana nekurasikirwa kunokonzerwa nemoto kana mheni, kuba, kupisa kwemvura yako yekugadzira uye kuparadza kwemhepo kana chimvuramabwe chechimvuramabwe. Zvimwe zvekugoverana zvinowanikwa kune zvinhu zvinodhura zvakasikwa, flood insurance, kumabhizimisi emisha uye kuziva kubata. Zvikwereti zvakasiyana-siyana zvinowanikwa, kusanganisira zvishandiso zvekuchengetedza mumba, zvinodaro-zvisina, zvinodzima moto, zvinhu zvokutenga, zvirongwa zvehutano hwemashandiro uye mikana yakawanda yepurogiramu. State Farm inopawo kugoverwa kwepurazi nemapurazi pamwe chete nemisha yakagadzirwa.
07 Kudengenyeka Kwepasi Kwakanakisisa: Cincinnati
Cincinnati Inishuwarenzi inosanganisira kudengenyeka kwenyika kudengenyeka makumi matatu nemakumi mana munharaunda yaro kunze kweOregon. Kana iwe uchigara mune imwe nzvimbo inowanzoitika kudengenyeka kwenyika, zvinonzwisisika kuti une chinyorwa ichi. Uyezve, Cincinnati Inishuwarenzi ine nhamba yepamusoro-gumi mubato reJD Power & Associates Power Circle uye ine A + (Superior) simba rekubhadhara mari kubva kuna AM Best.
Vazhinji vanoita sarudzo dzemitemo vanowanika kuburikidza neCincinnati Insurance nekutenga "sarudzo yepamusoro" uye "sarudzo yepamusoro yepamusoro." Nehutungamiri hwehutungamiri, iwe unogona kuisa chinyorwa cheimba yako, zvimwe zvivako, pfuma yako, zvimwe zvekugara mari uye mutemo wepamutemo kubhadhara. Mutungamiri wepamusoro wezvematongerwo enyika anowedzera kugoverwa kwekuongorora kwekumba kuti kugadziriswa kwekugadzirisa zvinhu, chisarudzo chisina kukwaniswa chekuderera kwezviri mukati, kubhadharwa kubhadharwa kwekuvakazve nehuhu huno kana hupfumi hwekuvaka, hupfumi hwekuziva, hutori hwemari kusvika kune $ 25,000 uye kugoverwa kwemvura back-up. Panewo mabhizinesi epamba uye mapeji ezvokubhadharira zvehutano anowanikwa. Dhaurirano inosanganisira mitemo yakawanda, kwete-kudai, musha musha uye kumba kwemaawa anotsvaga.
08 Best for Imari Inodhura: Chubb
Chimbo chikuru che inshuwaridzi yeimba yaunopiwa kuburikidza neChubb ndiyo inosarudzwa yekuwedzerwa mari yakawedzerwa. Izvi zvinoreva kuti kana mari yekuvakazve imba yako mushure mekurashika inopfuura kudarika mitemo yako, ichiri kuvharwa. Iyi inhau huru kune vimba vepamba vanove vatsva uye vanowedzera dzimba dzinovaka. Chubb ine zviyero zvakawanda zvakare. Yakagamuchira Nhamba 2 kubva kuIndure.com People's Choice Awards, uyewo nhamba yepamusoro-shanu mukugutsikana kwezvirevo kubva kuJD Power & Associates. Iyo kambani ine A ++ (Superior) simba rekubhadhara mari kubva kuna AM Best.
Chubb inopa inshuwalisi yeimba inotora mari yekugadzirisa uye inoshandiswa pane imwe nzira yekuwedzera yekuongorora kusununguka kugadzirisa kushandiswa kwemari, kupisa moto kumusasa (mune dzimwe nyika), ruzivo rwekudzivirira ruzivo uye zvinhu zvekudzorera kuda kutumira. Nheyo inokosha inosanganisira yakaderedzwa kushandiswa kwemari, kushandiswa kwemari kusarudzwa, kushandiswa kwemusha pamba, kubhadhara mari yekuwedzera uye kushandiswa kwekubhadhara mari. Zvikwereti zvakasiyana-siyana zviripo, kusanganisira mitemo yakawanda, mishonga yekuchengetedza kumusha, imba itsva / yakagadziridzwa, kurasikirwa-kusununguka, gated community patrol service, kukwidzwa kwemugwagwa uye kuvaka masvingo.