Ko Kuparara Kunopera Kubatsira Iwe Kuchengetedza Pamusoro PeInishuwarenzi Yemoto?

Iko Kuponesa Kunofanirwa Nezvikwereti Here?

Zvose zvinotora kuona kusakatika kudonhedzwa kudhevhizheni pane terevhizheni ndekuita mutsara muduku-kuputika. Iwe unogona kunge uchiona zviziviso zvakasiyana-siyana zvekutengeserana uye iwe unogona kunge watoona iyo Allstate yebhizimisi inotaura nezvekudengenyeka kunokanganisa. Zvinoratidzika kuti kambani yako ye inshuwarisi inomira uye ichicherechedza kana iwe une rekhodi yakachengetedza yakachengeteka. Iyo pfungwa inonzwika senzira yakanaka yekudzivirira pamutengo wemotokisi yemotokari , saka regai tinyatsotarisa uye tiwane zvakawanda pamusoro payo uye tione kana kuparara kunokanganisa kunobatsira kwekutengeserana sezvazvinonzwika sekutengeserana.

Maererano neInternational Risk Management Institute, Inc. (IRMI), tsanangudzo yekunyangarika inodonhedzwa "Inzira yakagadziriswa iyo inoderera sezvo chiyero chekurasikirwa kuchiwedzera uye chinonyangarika zvachose kupa ruzivo rwakakwana apo kurasikirwa kunosvika pachiyero chakati. Kukanganiswa kunotsvaga kwaimbowanzoshandiswa muhurumende yemishuwarenzi. "Chaizvoizvo, kana iwe uchienda kwenguva refu usina kuda, pasi yako inshuwarheni inobviswa inova. Iwe unopiwa mubayiro wekutyaira kwakachengeteka uye usingaiti mungozi.

Ndiani Anopa Kuderedza Deductibles?

Kune makambani mashomanana einishuwarenzi ari kupa izvo zvinopera zvinokonzera kukurudzirwa kusanganisira Nationwide, The Hartford uye Allstate. Heino humwe ruzivo rudiki pamusoro pekuti mapurogiramu aya anoshanda sei.

Nationalwide Vanishing Deductible Program: Gore roga roga yekutya kusina kusununguka, iwe unodhakwa uchaderedzwa ne $ 100. Purogiramu inogona kushandiswa kuderedza kuderedzwa kwako kusvika kusvika $ 500.

Izvi zvinogona kukusiya iwe pasina deductible zvachose, zvichikubatsira kutarisira inshuwarisi yako nekugadzirisa mari uye kuchengetedza mari. Kuparara kunotsvaga chinhu chinosarudzwa ne Nationwide Insurance. Izvo zvinhu uye kuwanika kunogona kusiyana kubva kune imwe nyika kuenda kune imwe nyika. Kana iwe uri mungozi mushure mekuvaka zvikwereti, haufaniri kunetseka nezvekodzero dzako dzose dzinotorwa.

Semuenzaniso, kana iwe wakanga wakachengeteka rekodhi yekufambisa kwemakore matatu uye wobva waita njodzi, chikwereti chako chakatora chinogona kuderedzwa kusvika ku $ 100 pane $ 300. Rudzi Rwenyika Rwenyika Runopera Ducuctible runokubhadhara rinenge madhora makumi matanhatu pagore pamotokari yako yemishuwarisi.

Hartford Disappearing Deductible Program: NeHartford's Program, kwegore negore iwe hauna ngozi-yako, mubayiro wako unoderera ne $ 50.

Zvawakabvisa zvinoramba zvichiri kuderera ne $ 50 gore roga iwe unenge usina ngozi. Pakupedzisira, iwe unogona kunge usina ducuctible zvachose. NeChirongwa cheHartford, iwe haufaniriwo kunge uine kupesana kwekufamba kwepamusoro pekodhi yako yekufambisa mukati memakore matatu apfuura kuti uwane.

Allstate Deductible Makomborero: Purogiramu yeWorld deductible rewards yakasiyana zvakanyanya nedzimwe dzikarasika dzinokonzerwa nepurogiramu. Kana uchangopedza kunyora, iwe unobva wapiwa $ 100 kubva pakusangana kwako kubviswa. Kwegore negore iwe uri nengozi-isina, imwe $ 100 yakabviswa kubva pane yako yakabviswa. Iwe unogona kuunganidza kusvika kusvika $ 500 kubva yako auto auto deductible. Zvisinei, neprogram yaWallstate, kana iwe uine njodzi, iyo yakabviswa inodzorera zvakare kumutengo wakatanga kubviswa. Mhedzisiro inobhadharwa inowanikwa chete inowanika kuburikidza negoridhe neplatinum mapurisa mapeji.

Chii Chinobatwa?

Iyo inonyangarika inotsvaga kubatsirwa inopiwa chete kune vatengi pane mari yepamusoro yepamberi. Mutengo wekushandisa zvakakosha izvi kunopiwa kuvatsigiri vemitemo nevanonyatsochengetedza zvinyorwa zvekutya zvakasiyana kubva kune imwe kambani kune imwe kambani. Inoshanda nenzira imwecheteyo kune yengozi kukanganwirwa kukurudzirwa kunopiwa nemakambani mazhinji emishuwarenzi.

Ndizvo zvakanyangarika zvakabviswa zvakanaka here? Izvo zvinoenderana nekutyaira kwako. Zvechokwadi, kana iwe uine zvishoma zvishoma zvakakwana zvinyorwa zvekufambisa iwe haufaniri kuparadza chero mari pane urongwa husingazogoni kuisa inshuwarisi mari yako. Zvinokwanisika kuchengetedza mari pane deductible kana iwe une rekodhi yakakwana yekutyaira.

Iwe uchafanirwa kuita masvomhu kuti uone kana mari yaunoponesa pane yako yakabviswa inokodzera mari yepurogiramu. Ini handingasaruri purogiramu iyo iyo yakagadziriswa inodzokera kune yakatanga kubviswa.

Njodzi dzinogona kuitika kumunhu chero ipi zvayo pasinei nokuti iwe unotyaira sei. Munyaya iyi, mushure memakore mashanu ekuvaka kusvika kune $ 0 ductible, mushure mekunge imwe yengozi yako yakabviswa inogona zvakare kuva $ 500. Icho hachisi chinhu chakanaka. Bvunza iwe pachako unhu inshuwarisi mupi kana ikapa purogiramu inoparara inogadziriswa uye uwane zvose zvese kuti uone kana iri chinhu chakanaka kwauri.