Nzira Yokuchengetedza Sei Mari MuInishuwarenzi Yenyu Yenyika
Kutenga kumusha weimba inishuwarenzi ndechimwe chevaya vanobvumira pamba kutenga zvinhu izvo dzimwe nguva zvinogona kupera kunyange kuputika. Hazvisi zvisizvo kune vashandi ve inshuwarisi kuti vawane miniti yekupedzisira yeferefoni kubva kumusoro uye / kana makambani ekukumbira achikumbira inshuwarisi yemusha binder. Kuti uzvichengetedze dambudziko, iyo pfungwa yakanaka kutanga kutengesa mutemo wemuimba pakarepo kana kutenga kwako kupiwa kugamuchirwa.
Heano mazano mashomanana pamusoro pokutenga musha weimba inishuwarenzi yakagadzirirwa kukuchengetedza nguva nemari:
Determine Insurability
Mujeri wenyu weInishuwarenzi anoda ruzivo rwakakura kubva kwauri kuti akudzore iwe iwe mukana wepamusoro wemitemo yako. Kuti aone kusagadzikana, anoshanda achabvunza kuti:
- Imba yakavakwa rini?
- Inguva yakareba sei kupinza uye magetsi?
- Ndeipi rudzi rweimba?
- Chii chinyorwa chando?
- Ndezvipi zvipupuriro zvakave zvakapiwa mumakore mashanu akapfuura?
- Ndeipi imba iripo?
Kana imba yacho iri munzvimbo yekumaruwa isina dhipatimendi remoto iri pedyo kana pasina motokari yemugwagwa mumigwagwa, dzimwe makambani dzinogona kuramba kuidzivirira. Kana zvakadaro, iwe unogona kubvunzwa pane imwe yeruzhinji kana kuti ye-surplus-line company, uye izvi zvinotora nguva yakareba kuti uwane.
Deductibles
Iwe unogona kuchengetedza mari kuburikidza nekuwana zvakanyanya deductible pamutemo wako. Kazhinji, makambani einishuwarenzi anotanga kupa zvikwereti pa $ 500 deductible uye kuwedzera kuburitswa sezvo iwe uchidhura iwe unowedzera.
Mazhinji emakambani anopa zvikwereti kusvika ku $ 10 000. Chenjerera, zvisinei, nokuti makambani akawanda ekubhadhara mari haazokubvumi kudarika $ 1 000 deductible, saka chengetedza nemukweretesi wako usati wasarudza kudarika zvakanyanya.
Ingu Inshurenzi Yakawanda Ndei Yaunoda?
Vazhinji vashandisi vanoshandisa muongorori wemari kuti vawane mari yekugadziriswa kwemari.
Izvi zvichaita kuti imba yako ive inshuwarheni yakawanda. Makambani eInishuwarenzi haafaniri kuchengetedza tsvina. Kana iwe uchitenga imba inosanganisira zvakawanda, usashamisika apo iwe unogamuchira inshuwarisi yematongerwo emakore akawanda pane izvo iwe waibhadhara kumba. Ichi ndechokuti uri kutenga chinyorwa cheimba uye kwete nyika.
Munguva yakapfuura, kugoverwa kwekugadziriswa kwainzi kunonzi Guaranteed Replacement Cost . Hakuchinazve kugovera kwakadaro. Nhasi iReplacement Cost Coverage, iyo inoreva kuti kambani imwe yveshuwarisi inoratidza chikamu chekuwedzera kuwedzerwa pamusoro pemari yakachengetwa. Izvi zvakagadzirirwa kuchengetedza muridzi wemba akatambura kurasikirwa kubva pakubhadhara mari yekuwedzera yekuvakazve kuvaka. Inogona kutenga mari yakawanda yekuvaka nekuda kwekuwedzera kwezvinhu kana nekuda kwekuti zvinhu zvekutengesa zvakawedzera. Somuenzaniso, kana kugara kwekugara kune inshuwarisi ye $ 300,000, uye kambani ine 125% yekubhadhara mari inoshandiswa, mwene weimba aizowana mamwe $ 75,000.
Ndinokurudzira 200% kushandiswa kwekubhadhara mari, izvo zvinopa varidzi vembaviri zvakapetwa.
Tsanangudzo dzeZvirevo
Iwe une zvimwe zvasarudzo pamba yako inshuwarisi yemutemo iwe unogona kugadzirisa. Kupihwa kwekodzero ndeye chikamu cheimba yeimba yako yveshuwarenisi iyo inowanzorambwa.
Izvi zvinodzivirira bhizinesi pamusoro pemhosva dzinokonzerwa nokukuvara kwemuviri uye kukuvadzwa kwepamwe kune vamwe. Somuenzaniso, kana mwana wenyu wemakore mashanu ari kutamba nemitambo uye akaisa imba yomuvakidzani wenyu mumoto, kubhadhara mari yako yaizobhadhara ichi chakaipa. Iwe unogona kubuda kunze kwenharaunda yako, asi yako inshuwarisi inobhadhara muvakidzani wako.
Zvakajairika kuona $ 300,000 muhuwandu hwemhosva, asi mari yekusimudza ku $ 500 000 inenge madhora makumi maviri pagore. Iwe unogona kusvika kusvika kune mamiriyoni ekuparidzirwa pamitemo yakawanda. Pamusoro pezvo, iwe unoda mutemo wakawandisa wemutemo kana "umbrella" mutemo. Mitemo inopa mhirizhonga inokupa mamwe ma $ $ 000,000 ekubhadhara mutengo we $ 300 kusvika $ 500 premium.
Inowanika Kurasikirwa
Iva nechokwadi chokuti uri kuwana zvikwereti zvose zvaunokodzera. Kana uine alamu system iyo inosvika kune imwe nzvimbo (kambani yakadai seBrinks kana ADT), pane dzimwe nguva, unogona kukwira kusvika kune 10% kubhadhara.
Kana iwe uri pamusoro pemakumi mashanu uye unofunga kuibvuma, iwe unogona kunge wakakodzero yekuderedza. Makambani ane mazita akasiyana-siyana maererano nematongerwe emakore, kubvira pahutori huripo kusvika kuhutano hwematongerwo enyika.
Nyaya inowanzoshandiswa ndeyokutora mitemo yakawanda. Izvi zvichakuchengetedza mari pamba pako uye auto inshuwarisi . Nokubatanidza mapurogiramu maviri nekambani imwe chete, unopiwa chimwe chikamu chekutsvaga pane zvose. iyo yega yekutengesa inopesana pakati pemakambani, saka zvakanakisa kutenga zvakapoteredza.
Ongorora Pfungwa Dzako
Dana mutenzi wako uye udzokorora mutemo wako weimba yaunoda makore ose matatu. Zvinoda kuchinja, mararamiro anoshanduka uye zvipfeko zvinoshandiswa. Iwe unofanirwa kugara uchienda kune imwe nguva painishuwarenzi yako nokuti hauzivi nguva yaunoda kuvimba nayo.
Scott Purves ndiye Visi Mutungamiri wePurves Insurance, anowirirana uye anosarudza mutengesi weLyon Real Estate.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.