Chikamu I: Mhuri Yevashandi Inishuwarenzi Kudzivirirwa
Vane Veimba MaInishuwarenzi yakagadzirirwa kuchengetedza varidzi vemusha kune dzimwe njodzi.
Iko kazhinji kunodhakwa apo paine kudhinda bhuwarisi reimba yekusungwa kunze kwekunge uchitaura. Imba yemishuwarenzi yemhuri yega yega inotsanangurwa nematambudziko anonzi uye zvinowanikwa mumutemo. Tsvaga mujeri wako kana kambani yveshuwarisi pamusoro pezvimwe zvipi zvingave zvichishanda.
Pasinei nokuti iwe unotenga inshuwarisi yeimba yako yepamba pamba paIndaneti kana newadhija wekune imwe nyika , iyo inowiridzi yeimba inishuwarensi inoparadzaniswa inogoverwa muzvikamu zviviri
- Chikamu I: Imba Inishuwarenzi Iminda Kudzivirirwa
- Chikamu II: Home Insurance Liability Protection
Kana mumwe munhu aifanira kutarisa peji yehuturo yehushuwarisi yeimba, iyo inowanzova peji yekutanga mumhuri ye inshuwarisi yeimba, vaizoona Chikamu I: Kudzivirirwa kwePfuma. Izvi zvinowanzoputsika muzvikamu zvina zvakare:
- A. Kugara
- B. Zvimwe Zvivako
- C. Zvigadzirwa zveMunhu
- D. Kurasikirwa Kwokushandisa
Kuvhara A. Kugara kunowanzofukidza imba yako, zvigadziriswa zvigadziro, zvigadziri muimba yakafanana neyakagadzirirwa mune zvishandiso, pombiyuta, kupisa, kusungirirwa kwemhepo mafungiro emhepo, uye magetsi wiring.
Kune huwandu hwehuwandu hwevanhu vanosimbisa hugaro hwavo nokuti havazivi kuti vanganzwisisa sei kukosha kwakakodzera kweimba yekugara. Nhare yekuchengetedzwa kwekugara inofanirwa kuvhara mari yekugadzirisa uye kwete yeimba yekukosha.
Bhuku B. Zvimwe zvikamu zvinowanzofukidza zvivako zvakavharwa zvakadai semagaraji, zvigadziro, uye zvigadziriswa zvakasanganiswa nenyika kusanganisira masvingo, driveways, migwagwa, mapatio, nekuchengetedza masvingo.
Zvivako zvakashandiswa zvebhizimisi hazvifukidzwi pasi pehupfumi hwemhuri yehupfandiro yeimba.
Bhuku C. Bhuku Rekugara rinowanzovhara pfuma yako pachako kusanganisira zviri mukati memusha wako nezvimwe zvinhu zvako zvauri iwe kana vemhuri yako vanogara newe. Idziviriro inogona kuve yakakonzerwa nemari chaiyo yemari (ACV) kana kuti mari inoshandiswa . Mishonga yehushuga yepamusha inogona kupa huwandu hwekugoverana pane zvimwe zvinhu, semuenzaniso, zvikepe zviduku, zvisinei, mishonga yemishonga yemishonga yepamusha haifaniri kuvhara motokari dzemotokari kunze kwekuti dzisina ruzivo uye dzinoshandiswa chete pamba pako. Zvimwe zvinhu zvingave nezvikwereti zvakadai semabhururu, mifananidzo, bhizimusi pfuma , zvemagetsi, zvishongo, nemari. Kugoverwa kwakanyanya kunowanikwa nokuwedzera kugoverwa kumutemo wako.
Kuvhara D. Kurasikirwa kweKushandiswa kunowanzovhara mari yekugara pamusoro pepamusoro pekugara kwako kwemazuva ose kana iwe usingakwanisi kugara mumba mako apo kugadzirwa kwaitwa kana kuti iwe unorambidzwa kuwana rubatsiro rwehurumende.
Panewo Zvimwe Zvimwe Zvinyorwa Zvinyorwa zveimba inishuwarenzi mapurisa anogona kupa zvakadai sekubviswa kwemarara pamwe nemiti yakasvibiswa uye shrubs, moto-dhipatimendi rebasa rekubhadhara, kubviswa kwepfuma, kuba kana kushandiswa kwepamutemo kwekwereti kana makadhi ekutsvaga , kuparara kwezvivako, uye girazi kuputika kana kukonzerwa nematambudziko akavharwa.
Kubvumirana kunogonawo kuwedzerwa kumusha weimba yako inshurensi parizvino mari yekuwedzera kuchengetedza. Mienzaniso yekubvumira kunosanganisira:
- Chigadziriswa chekubhadhara mari yekugovera ichabhadhara mari yekuvaka zvakare imba yako chero bedzi iwe wakasangana nezvinodiwa zveimba yako inshuwarisi yemutemo.
- Kuwedzererwa kwekubhadhara mari inoshandiswa kunochengetedza imba yako kwechinhu chakakosha uye kazhinji inowedzera 20-25% yakawedzerwa muganhu kana kugadziriswa kwemari kunopera.
- Ikokuchengetedzwa kwemagetsi kunowedzera huwandu hweimba yako yveshuwarenzi yekuchengetedza kuti uchengetedze nehutengo hwekuwedzera kuitira kuti iwe ugone kuchengetedza zvakakwana kugadzirisa kuitira kuti imba yako iite panzvimbo yekurasikirwa.
- Zvigadziriswa pfuma yako inodzivirira zvinyorwa zvakadai sezvishongo, furs, matampu, mari, mabhuti, makombiyuta, antiques, nezvimwe zvinhu izvo zvinowanzopfuura nharaunda yakatarwa yemitemo mumhuri yako yenguva dzose yveshuwarensi yemishuwarenzi. Inowanzopa ruzivo rwakazara kupfuura huwandu hwehutano hwehutano hwemusha. Ikoko kazhinji haisi kubviswa kwekugoverana uku. Kuwedzera kwemiganhu yemari uye chekuchengetedza kunopa humwe huwandu hwekubhadhara mari, mabhizinesi, mabhengi, nemabasa.
- Secondary residence inopa kuchengetedza imba yechipiri yakadai sekugara kwezhizha.
- Kuvhara kwekuvhara nekudzivirira kunowedzera kubhadhara kuvhara kunosanganisira zviri mukati mako mumotokari yako, trailer kana mvura inoputirwa kunze kweuchapupu hwekupinda.
- Chikwereti chekubhadhara chikwereti uye kubhadhara mari yepaidenti inopa kudzivirirwa pakurasikirwa, kubba kana kushandiswa kwemvumo yemakadhi. Inosanganisira kukanganisa chero chekuongorora, mabhadharo, kana kuti tsamba yekuvimbisa. Hapana deductible inoshandiswa pane izvi zvinogamuchirwa.
Kunzwisisa Varidzi Vako Vekumba Inishuwarenzi:
- Chikamu I: Imba Inishuwarenzi Iminda Kudzivirirwa
- Chikamu II: Home Insurance Liability Protection
Kana munhu aizotarisazve kune avo veimba yavo yveshuwarisi yekuzivisa peji, iyo inowanzova peji yekutanga ye inshurensi yemu inshuwarisi yeimba, pamwe neChipupuriro chePaipu yeVaPaiti vaizoonawo chikamu chakanyorwa seChinhu Chekuvhara. Mhosva Chikamu chechikamu chakakoromorwa kuita zvikamu zviviri:
- E. Home Insurance Personal Liability
- F. Mishonga yeInishuwarenzi Mishonga Yezvipo
Chikamu Chebasa reMunhu wega rinopa rubatsiro rwomunhu oga pamusoro pemhosva kana mhosva yakakonzerwa nokukuvara kwemuviri kana kukanganisa kwemamwe kune vamwe kunokonzerwa nenjodzi pfuma yako kana semugumisiro wemabasa ako pachako kupi zvako.
Uyu mudzidzi wehupfenyuro yveshuwaridzi inochengetedza haina kupa kudzivirirwa kwezviitiko zvemotokari uye zvebhizimisi. Izvi zvinokuchengetedza iwe nemhuri dzose dzinogara newe.
Chikamu cheMedical Payments chinosanganisira chinyorwa chokubhadhara mari yezvokurapa kune vanhu vakakuvadzwa nekukuvara pfuma yako pasinei nemhosva. Kurapa kwekurapa kwechiremba hakushandisi kukuvara kwako kana kwevamwe vemumhuri vanogara newe kana kune mabasa anosanganisira pamba bhizimusi rako.
Kufanana nehurumende yehupfumi yveshuwarisi yehurumende kune zvikwereti. Chimiro cheimba inoshuwarenzi inoratidzira haina kuvhara mhuka, kuparadza kwemotokari, ndege, uye zvikamu. Kana kuti ivo vanowanzovhara kurasikirwa nemhaka yemafashamo, maruva emvura, kusvibiswa kwemvura kubva kumagadzirirwo emvura, kusvibiswa kunokonzerwa nehondo kana nengozi yenyukireya, kutadza, kudengenyeka kwenyika, kukanganisa kwesimba, seepage, yakaoma, kana vermin.Homeowner inshuwarisi haipei mazano evhudziro rezvemutemo pasi pemutoro wekodzero yemutemo , asi pasinei nekudhura kwemari yerishuwarenzi yemutemo inogona kuva chinhu chinonakidza chokurumbidza kugoverwa kwako.
Vose vashandi veimba inishuwarenzi mapurisa vane zvakasiyana zvakasiyana-siyana zvakavharwa uye zvisingabvumirwe kuitira kuti munhu awane kuedza kuongorora neimba yavo inshuwarisi yekambani kuti vaone zvose zvakabatanidzwa uye zvigadziro zvekugadziriswa kwemitemo yavo pachavo.
Kunzwisisa Vane Veimba Yako Inishuwarenzi:
- Chikamu I: Imba Inishuwarenzi Iminda Kudzivirirwa
- Chikamu II: Home Insurance Liability Protection