10 Mhando dzeInishuwarenzi Ingave Isingakoshi
Iyo ndiyo muenzaniso wakajeka, asi pane dzimwe nguva apo munhu anenge ari pangozi akadukusa uye anotambura nemigumisiro yekurasikirwa ndiyo njodzi iri nani pane kutenga mutemo. Pasi pane urongwa hwehushandi yemishuwarenzi iyo vanhu vakawanda havadi kutenga nekuda kwezvikonzero zvakasiyana-siyana (zvikonzero zvakanyorwa pazvinoshandiswa):
Inishuwarenzi Unogona Kuda Kubatsirwa
1. Kubatanidza uye Kurwisana Pakawanda Pamotokari Yako Inishuwarenzi: Izvi hazvidiwi kumotokari dzine zvishoma kana zvisingabatsiri.
2. Maximum Personal Injury Protection Coverage (PIP) Pamusoro Penyu Yenyu Inishuwarenzi: Kana uine hutano hwehutano hwehutano, kukuvadzwa kwako kunofanira kuvharwa. Kana ukasarudza kudzivirirwa, tenga zvishoma.
3. Kutora motokari yemainishuwarenzi: Kana iwe uine huwandu hwehuwandu hwekugovera, tarisa newaini yako kuti uone kana iwe wakavharwa. Uyezve, chengetedza nekadhi kadhi rechikwereti - inogona kupa kugoverwa kana ukashandisa kadhi paunenge uchikwereta.
4. Kuparara kweMechanical Inishuwarenzi: Kana iwe parizvino uri nemotokari itsva kana uine motokari yakasungirwa iyo ichiri pasi peshanditi, haudi izvi zvinowanikwa pamotokari yako yemotokari.
5. Nzira Yomugwagwa: Kana iwe uchitova wekambani yemotokari seAAA, haufaniri izvi zvinosanganisira motokari yako yveshuwarisi.
6. Inishuwarenzi yehupenyu : Kana iwe usina kuroorwa uye usina vana vanovimba iwe unongoda yveshuwarisi yehupenyu kana urikushandisa sechikamu chemagariro erefu. Semuenzaniso, kutenga hupenyu huse kana hupenyu hwehupenyu hwose nehutano pahuduku hunogona kukuchengetedza mari kubva pauchavaka zvivako iwe unogona kukwereta kubva nyore nyore kupfuura bhangi apo nguva inotanga kutanga bhizimisi kana mhuri, uye iwe unogonawo kubatsirwa kubva muzinga rezasi nekuvhara muhutano apo iwe uine hutano hwakanaka uye usina chinetso kupfuura kuongorora kwehutano hwehutano inshuwarisi .
Kana iwe uri kungotarisa inshuwarisi yehupenyu hutsva , tsvaga kana iwe wakafukidzirwa kuburikidza nemushandi wako kuburikidza nehutano hwehutano kana humwe hufumi huripo huripo. Chenjerera, zvakadaro, kuti kana ukasiya waunoshandira iwe unogona kuzviwana usine inshuwarisi. Dzimwe nguva inokuchengetedza iwe munguva yakareba yekubhadhara zvishoma ikozvino kuedza nekuwana inshuwarisi yehupenyu gare gare nekubhadhara zvimwe zvekare nekuda kwezera kana nyaya dzekurapa.
7. Kufamba Inishuwarenzi : Kana yako yehutano yehutano inshumo inokufukidza kunze kwenyika, iwe unofanira kuwana izvo zvinofukidzirwa uye wozoita kana uchida kutora humwe huwandu hwematongerwo enyika. Iwe unogona kutsvaga kurasikirwa kwemutsipa wakarashika, asi funga kuti mutemo wako weimba yako angakufukidza iwe zvichienderana nekutora kwako. Iwe unogonawo kuda kutarisa chero kadhi rechikwereti chaunogona kuva nacho uye taura nekambani yako kadhi rechikwereti kuti uone kana vakapa hupenyu inshuwarisi pakarepo paunotenga tikiti kana kufamba uchishandisa kadhi rechikwereti usati wapedza mari yakawedzerwa.
Kana uri kuenda kune zvebhizimisi, hupenyu hwehutambisi hwehutano husingakubatsiri, iwe unoda kutaura nebasa rako pamusoro pekugovera, saka chenjerera kana uri kutenga chirongwa chokuvhara mafambiro enyanzvi, ungave uchingoparadza mari yako.
Kana iwe uri kufamba kwenguva yakareba, asi uine hukuru hwekuita sechikamu chehutano hwehutano hwehutano kubasa, funga kutaura nehutano hwehutano inshuwarisi uye kuwana kumusoro kumusoro painishuwarenzi yako , izvi hazvina mari shoma pane kutenga mutemo wose mutsva.
Tora kushandisa mushandi wako anobatsirwa chero kwaunogona.
Muzviitiko zvose, tsvaga izvo zvakafukidzwa uye zvisingaiti. Semuenzaniso, inyore yako inobata ma ambulensi emhepo , ndeyekukuda kwako here? Kana uchangobva kuongorora zvaunoda uye zvisarudzo, sarudza kana uchida kubhadharwazve uye kana zvakakodzera kukohwa kwako.
8. Zvikwangwani zvakapetwa pamagetsi: Pakupedzisira, izvi zvinogona kudhura zvinopfuura kungotenga chimwe chinhu chekushandisa.
9. Inishuwarenzi paInoshamisa Credit Card Balance: Rudzi urwu rwe inshuwarisi inogona kuve inodhura, uye kune zvakawanda zvekugadzirisa kutarisana kusati kwabhadharwa.
10. Chikwereti cheInishuwarenzi uye Mortgage Insurance: Iyi inowanzochengetedza inshuwarisi pamutoro wako. Chirongwa cheshuwarisi yehupenyu chinogona kunge chiri chakanaka.
Nokudzivisa mitemo iri pamusoro apa, haungapedzi dambudziko rako uye iwe unogona kunge uine kurasikirwa mune chero ipi zvayo kana zvose zvataurwa pamusoro apa, unofunga kuongorora njodzi kana kushandisa iyi inshuwarheni sechikamu cherongwa hwokuzvisarudzira iwe kana mamiriro ezvinhu ikozvino, kugoverwa kunobhadhara mutengo we inshuwarisi.
Dzidza nezvemamwe marudzi einishuwarenzi yaungasada.