01 Inotungamirirwa Nehuwandu Hwako Ive Nekudavira kweDeductible Clause?
Kuregererwa kwekuregwa kwechigwaro ndechirevo muhurumende yako yveshuwarenzi iyo inonyora mamiriro ezvinhu apo iwe haufaniri kubhadhara iyo yakabhadhara kana zvichiitika kudai.
Kurasikirwa kukuru kwemaiver ye deductible hakusi sekutaura pamusoro pazvo asi inogona kuva chinhu chinokosha chinochengetedza mari mumutsara.
Kazhinji, kuregererwa kwekutorwa kunogona kuitika kana pane kurashikirwa kukuru, kwakadai sehutano hwemusha huripo iyo imba inofanira kuvakazve kana moto.
Kurasikirwa kukuru kweiver ye deductible kunobva pane kukosha kwechirongwa chekuda. Kana kudai kuchidarika chimwe chinhu chinokosha, iyo inobviswa inogona kubviswa zvichienderana nemashoko ako emitemo nemamiriro.
Kana iwe uine inshuwarisi inobhadhara chikamu chekuregererwa mumashoko, iwe unogonawo kunzwa zviri nani pamusoro pekutora zvakaderedza zvakakosha kuti uchengetedze mari yako inshuwarisi .
Nzira Yokuwana Nayo Kana Inishuwarenzi Yenyu Iine Kurashika Kukuru Waiver of Deductible Clause
Waivers of deductible inowanikwa pamishonga yemishuwarenzi yemhuri, inishuwarenzi yehutano yehumwe hupfumi, uyewo mumotokari yemotokari.
Dzimwe makambani ehurumende yemishuwarenzi ichakupa mukana wekutenga kusunungura kwekuregererwa, tinotaura zvakawanda nezveizvi nhamba 2 iri pasi. Ngwarira newaini "yaunotenga" nokuti kana mari yekuregererwa kwekuregererwa yakaenzana nekuchengetwa kwepamusoro zvakaderedza, hausi kunyanya mberi.
Ndeye Waivers of Deductible Different Nekambani Inishuwarenzi?
Hungu, kusungirirwa kwekutsvaga kutevera kurasikirwa kukuru kuchasiyana maererano nekambani yako ye inshuwarisi uye sarudzo yekusarudza. Iwe unoda kubvunza wako wekumishuwarenzi kana iyo yekambani yeinishuwarenzi inopa deductible waiver uye pamusoro pekuregererwa kwemari yakakwana pamutemo wako kuva nechokwadi.
Semuenzaniso, nheyo dzepamusoro-pamba dzimba dzakatora ductible waivers, asi muganhu wekuregererwa unogona kunge wakakwirira, zvakadai se $ 50,000. Kunyange zvazvo muimba wekugara akadai kana mubairo, kana mutemo wekodhi angabvumirana kuti asiye kubviswa chete kana kurasikirwa kuri kudarika $ 10 000 kana $ 25,000. Hapana mutemo wakaenzana, iyo ikambani yemishuwarisi chisarudzo ndicho chikonzero nei iwe uchida kubvunza pamusoro payo kuti zvive pachena.
Kambani yeInishuwarenzi inogona kusarudza kuti chii chavanenge vachida kuti vachanonoka iyo yakabviswa kubva pamitemo yavo yevashandi uye mararamiro anotarirwa.
Kuziva kana iwe uye kana imba yako inshuwarisi yehurumende ichitsvaga iyo deductible inogona kubatsira zvikuru pakusarudza nguva yekuwedzera yako yakagadzirirwa kuchengetedza mari . Makambani eInishuwarenzi anoshandisa ichi sechinhu chinoshandiswa zvakanaka uye kuwedzera-kuwedzera kupa vashandi.
Kwatingawana Waiver yeDeductible Information pamusoro pePurogiramu Yenyu
Waivers of deductible in home inshuwarisi. renters inshuwarisi uye inshuwarisi yodhipatimendi inogona kuwanika mumashoko ekuraira sechikamu chemapuranga. Iwe unogona kuva nemukana wekutenga zvikwereti zvakare, asi iwe unofanirwa kutanga uchitanga kubvunza chii chinosanganiswa pachena. Kana iwe uri kutenga kutenga inshuwarisi, kusarudza purogiramu nechosepamusoro pachikumbaridzo musati waiver kukanganisa mune zvakanaka zvakanaka.
Muenzaniso wekuti Ungashandisa sei Deductible Waiver kusarudza Inishuwarenzi
Amanda akanga achitengesa imba yake yekutanga inshuwarisi uye aida kuchengetedza mari pane zvaidiwa paanenge achiwana zvakanaka.
Mutengesi wake akamuendesa nekambani yeinishuwarenzi makasarudzo, mutengo wegore negore waiva wakafanana kune umwe neumwe, asi mitemo yemutemo yakasiyana:
Pamwechete 1: Kupa mukana wezvakabhadharwa kana kudai kudarika $ 5,000
Chokusarudzwa 2: Kupikira kwekuregwa kana kudai kudarika $ 10,000
Nzira yechitatu: Hapana kurasikirwa kukuru kunokonzerwa nekudzikinura kwaivepo
Makambani ose akamupa mhirizhonga yakazaruka (yose inotyisa) purogiramu yemutengo mumwe chete, asi zvakava pachena kuti mune kudai Amanda aizowana mari yakawanda - zviuru zvemadhora akawanda, kana akatora purogiramu yacho nechepamusoro-soro rekudzikinurwa. Uyezve, kuburikidza nekubvunza pamusoro pekurasikirwa kukuru deductible waiver clause, akaziva kuti kusarudza Nzira yechitatu kunodhura zviuru zvaro zvemadhora mune kudai.
Nguva dzose mubvunze kana kune kurasikirwa kukuru kwekuregererwa kwechikamu chekuregererwa mubumbiro nekuti ino ruzivo inogona kuita kusiyana kukuru mukubhadhara kubhadharo.
Mumuenzaniso uyu, chisarudzo chaAmanda chekuenda nesarudzo 1 chingawana mamwe madhora mazana mashanu emutsva huru nokuti nokukurumidza apo kukuvadzwa mune kuda kudarika $ 5,000 iyo yakabviswa inodzingwa. Mukusarudza 2, kana pakanga pane chirevo chikuru, iyo yakabviswa ingangodzingwa pashure pe $ 10 000 yekurasikirwa.
Sezvo Amanda asina chaanoda kana kuti aida kuita zviduku, akafungawo kuwedzera mari yaakachengetedza pamutemo wake ne20 muzana nekusarudza $ 1 000 inotengwa; kuchengetedza mari yakawanda yakawedzerwa kubhadharwa pamari yeinishuwarensi yegore negore , nekuzorora zviri nyore kuziva kuti haazofanira kubhadhara iyo yakagadziriswa kana kudai kwakanga kuri kudarika $ 5,000. Kubva pane zvaakadzidza pamusoro pekuregererwa kunobviswa, chisarudzo chakanga chiri nyore.
Muenzaniso weWaiver yeDeductible muChirevo chikuru
John ane dambudziko guru rekuparadza kwemvura nekuda kwemvura kupinda mumba make mushure mekunge dutu. Ane $ 1,500 inshuwarisi yakakonzerwa, asi nokuti mari yekukuvara inopfuura madhora 25 000 uye mutemo wake une kurasikirwa kukuru kwekukwanisa kubhadhara kurasikirwa kupfuura $ 25,000, haafaniri kubhadhara iyo yakabhadharwa mumutsara wake. Akanga achifara kuti akaponesa mari nokutora zvakaderedza deductible, uyewo kuti inshuwarisi yake ine chikwereti chakanaka chekuregererwa kwemari. Kakawanda, kusanganiswa kwezvinhu zviviri izvi kwakaponesa John mari yakawanda pa inshuwarisi yake.
02 Kuparadzanisa Deductibles, Kuparara Kuneta uye Kuvimbika Deductibles
Izwi rinoreva kunyangarika, kuvimbika, kana kuti kuparara kunokanganisa kunogona kuvhiringidza. Imwe nzira yekunzwisisa musiyano iri mukodha yekudhora yemudziro wakakonzerwa.
- Mumusha inishuwarenzi, kurasikirwa kwakakura kunokonzerwa nemakisiro kazhinji kwaizobatanidzwa mumashoko ekutonga uye kubata nekurasika kukuru kwezviuru zvemadhora.
- Kukanganiswa kunokanganisa kana Kuvimbika kunotsvaga kutengesa kunotengwa kana kuti kunowanikwa uye kazhinji kunosangana nemazana maduku akawandisa e "waived".
Kambani imwe neimwe inotungamirira rudzi urwu rwemhando yakasiyana uye inoisa mamiriro akasiyana. Dzimwe makambani haagoni kupa kunyange zvingasarudzwa, kunyange mumakwikwi emakwikwi emazuva ano zvichida iwe uchawana zvimwe zvakasiyana-siyana zvepfungwa kana iwe uchitenga inshuwarisi yako yepamusoro kuti uwane zvakanakisisa kutengesa kana kutaura kune mutengesi uyo anoziva nemishonga yakawanda yekambisi yeupurisi .
Chii Chinonzi Kuvimbika Kunobva Kuparara Kunopera?
Makambani eInishuwarenzi anogara achitsvaka nzira dzokuwedzera kukwanisa kuvimbika kana kutora muganhu unopfurikidza pamusoro pemakwikwi avo. Kuparara, kunyangarika kana kubhadhara rusununguko rusununguko kunogona kuva imwe yenzira iyo kambani yveshuwarenzi ichaita kuti mitemo yavo iite seinofadza kune mutengi. Dzimwe makambani emishuwarisi yemotokari anotaura izvi sechisarudzo chokutenga "kuregererwa kwekutengesa".
Kunyange zvazvo zvine zvigaro, ramba uri mupfungwa iwe ungangodaro uri kubhadhara zvishoma kune rudzi urwu rwekugovera. Kana zvakadaro, iwe ungada kuverenga mari yehurukuro yako yakabhadharwa pasina rusununguko pamusoro pemutengo wepurogiramu ine deductible, kunyanya kana iwe usinetseka pamusoro pezvikwereti zviduku.
Iko Inishuwarenzi Yako Inopa Chimwe Chinyorwa Chine Deductible Clause?
Mamwe makambani emishuwarenzi anopawo kushayikwa kubviswa zvishoma, kuderedza mari yaunobhadhara iwe yakabviswa nehumwe huwandu hwegore rimwe nerimwe iwe unoti mahwendefa.
Kunyanya Kuparara Kunopedzisira Kuvimbika Kurogiramu Inogona Kukuchengetedza Mari
Kana kambani yako ye inshuwarisi ine rudzi urwu rwepurogiramu kana chirevo mubato rako, iwe unogona kukwanisa kushandisa mari yekuwedzera kwekuderedza kwako. Izvi zvinokanganisa zvinokanganisa zvinowanzova zvishoma izvo zvinoreva kuti havazobhadharisi kudarika chikamu chikuru chezvakabviswa.
Kana, somuenzaniso, kambani yenyu ye inshuwarisi inokupa mukana wokuva ne $ 500 inonyangadza kubviswa, ipapo iwe unogona kushandisa izvi segadziriro yekuwana $ 1000 inobviswa, uye inongofanira kubhadhara mari yekutanga $ 500 mukutora nokuti vari kusimuka kusvika ku $ 500 (iyo yakakwirira denga) yaro nekuda kwekuvimbika kwako uye yakanaka mabhuku rerekodhi. Saka iwe unobhadhara $ 500 mukutora, asi unobatsiro kubva pakuderedzwa kwe $ 1 000 inotengwa purogiramu yemutengo inogona kuva 20 muzana pasi.
Iva nechokwadi uye ubvunze muimiridzi wemu inshuwarisi kana mujeri zvinyorwa zvemashoko ako emitemo nokuti aya marudzi ezvinyorwa zvinowanzosiyana nekambani yveshuwarisi uye angave achizviisa pasi pemitemo yakawanda kana mamiriro ezvinhu. Iwe uchafanirwa kuita masvomhu kuti uone kana iwe uri kunyatsochengeta mari.
Zviduku zviduku zvinokutengesa kupfuura zvaunowana munguva yakareba nekuda kwekurasikirwa kwezvikwereti zvikwereti zvisingabhadharwi kana zvikwereti zvinowedzera zvikwereti, saka zviduku zviduku zvinobatsira zvechokwadi?
Ramba uchifunga kuti kuita zviduku kunogona kuwedzera mitemo yako yakawanda kwemakore anoverengeka mushure mekutsvaga, saka pakuguma, iyo iyo $ 200 kuvimbika kunobviswa zvechokwadi chimwe chinhu chinofanira kunge chichiita chikonzero chikuru pamusoro pe inshuwarisi yako.
Zviziviso zvinokurudzira uku kuvimbika kana kupera kuderedza zvigadziriswa, uye hapana mubvunzo kuti zvakanaka kuti urege kubhadhara kudhevedzwa mumutsara; mune kurasikirwa kukuru, iyo inoparara inodonhedzwa inogona kushambidzwa kunze kwekuregererwa, uye ichi chinhu chaunofunga pamusoro.
03 Kuwedzera Kuponesa Kwako Pamberi pekuda Kuitika Kunoitika: Kusanganiswa Deductibles
Usati wabhadhara kuti iwe unoparara, unogonawo kufunga kuti mamwe makambani einishuwarenzi anopa kubatana kunobviswa paunenge uine kurasikirwa kunobata zvose mumba mako nemotokari. Kunyange zvazvo iri kuchengetedza zvakatsaurwa zvakasiyana pamusana pezvipupuriro zvakasiyana, kana iwe waive nechikwereti chaidiwa kubhadhara kubva kumusha kwako uye motokari yveshuwarisi, kuva nemitemo miviri nekambani imwe ingangokupa iwe mukana wekubhadhara imwe chete yakakodzwa. Kumbira kambani yako yveshuwarisi pamusoro peizvi uye ona kana zvine musoro kuisa inshuwarisi yako yose panzvimbo imwe.
Muenzaniso wekubatanidza Deductible Kuponesa Mazana emaDhora
Imotokari yaJulie yakaputsika mukati paakanga ari kunze kwezororo. Motokari yake yakanga yaputsa mahwindo uye imwe imwe mhirizhonga, asi mbavha dzakagadzirwawo ne $ 1,500 yezvipo zvaaiva nazvo mugwaro.
Nokuti chiitiko chacho chinosanganisira kubatwa kwezvinhu zviri mukati mehuni (zvipo zviri pfuma yega, saka inowira pasi pemutemo wemusha weimba), uye inokuvadza kumotokari (iyi inowira pasi pemutemo wemotokari yake) yakatsamwiswa kuziva kuti yaizofanira kuripa madhara maviri.
$ 500 yemotokari yake yakabviswa uye $ 500 kuti inotora mari yake inotorwa.
Kana Julie ainge atsigira imba yake nemotokari nekambani yeInishuwarenzi iyo inongorayira imwe chete iyo inodzingwa apo mvumo yemusha nemotokari yemotokari inofanirwa kubhadhara mune kudai, ingadai yakazvichengetedza $ 500. Pane kudaro, akabhadhara zvose zvakaderedzwa izvo zvakaguma zvichimupa mari yakawanda.
Deductible Waiver & Combined Deductibles Inopa Nguva Yakawandu Imari Yakachengetwa
Pane nzira mbiri dzekuchengetedza mari neinishuwarenzi, imwe inotangira kuda, apo iwe uri kutarisa pane zvaunobhadhara pamapurogiramu emitemo uye imwe inotevera mushure mokutaura, apo iwe unoona mari yakawanda yaunowana zvechokwadi. Zvakanaka, iwe unowana nzira yekuita zvose.
Kuziva panguva iyo yako deductible yakasunungurwa uye kuita ichi chikamu chechisarudzo chako mukutenga inshuwarheni inzira imwe yakavanzwa yekuwedzera kuti iwe uchawana mari yakawanda sei iyo inokuisa mune mari iri nani.
Kuzvidzivirira iwe nekambani imwe kuitira kuti iwe usabvisa zvinokonzerwa zvakasiyana-siyana muzvikwereti zvinobata zvose kumusha nemotokari, zvakare inokuchengetedza mari.
Dzimwe Nzira Dzokuchengetedza Mari PaInishuwarenzi Yako
Kana iwe uchiri kutsvaga nzira dzekuchengeta mari paimba yako inshuwarisi, ungada kuongorora mazano ako epamba yveshuwarisi uye ona kana iwe une chirongwa chakanaka chezvaunoda.
Makambani eInishuwarenzi anokukwikwidzana zvikuru kana achiuya pakuwana kana kuchengetedza bhizinesi, dzimwe nguva inogona kubhadhara kutengesa kumapurisa yako kana kutaurirana neimba yako kana motokisi yveshuwarisi kusvikira imwe yerimwe mitemo yaunoda inokupa iyo yakaderera mutengo wose.
Iwe unogona kuguma uchibhadhara zvishoma uye uchiwedzera nekutsvaga kune imwe kambani yveshuwarenzi ine basa shoma nekutsvakurudza.