In Depth Information pamusoro Pokuchengetedza Mari Pamusha Wenyu Inishuwarenzi
"Nei Ndichifanira Kubhadhara" Dzimwe Madziro "Kana Ndisina Chero?"
Uyu mubvunzo unonzwisisika, asi tisati taipindura, ngatitii tive nechokwadi chekuti tinonzwisisa izvo zvinofukidzirwa pamba yemishonga inshuwarisi yeimba uye izvo "Zvimwe Zvivako" kana "Zvimwe Zvivako" (inozivikanwawo se "zvivakwa zvakavharwa") inosanganisira.
Mutengo Wacho Unoshanda Sei Paimba Inishuwarenzi?
Inishuwarenzi mitemo yakagadziriswa kusanganisira zvimwe zvikamu zvekutanga pamutemo weimba yeimba yeimba . Kunyange zvazvo kusarudzwa uye rudzi rwehupfumi hunoshandiswa kune imwe neimwe yezvikamu zve fomu yemutemo weimba inokanganisa kubva kune inshuwarheni kune inshuwarisi, zvinyorwa zvitsva nguva dzose inotangira:
- Kuvaka
- Other Structures
- Pfuma Pachepa kana Zviri Mukati
- Kurasikirwa Kwekushandisa kana Kuwedzerwa Kwekuwedzera Kwokudhura
Ichi chivakwa chakavakirwa pamapepanisi ezvinyorwa kuverenga chinhu chinokosha chechivakwa. Semuenzaniso, zvimwe zvivako zvingangodaro zviri kubva kune 5% kusvika ku20%, Zvimwe Zvimwe Zvingangodaro zvinogona kuva kubva kune 40% kusvika ku70%. Icho chinokasiyana kubva kune inshuwarisi kambani kune kambani yerishuwarenzi, uye kunyatsoongorora kunotsanangurwa mumashoko ako.
Kusiyana nemotokari yemainisitiri yemotokari, kwaunogona kusarudza kana iwe uchida "Nzira imwe" kugovera, Mhosva, Kurwisana kana Comprehensive (windshield, kuba, moto, nezvimwewo), imba yako yveshuwarisi yehurumende haina kuiswa pamwe chete.
Iwe unowanzobhadhara zvichienderana nechinonyanya kukosha: chivakwa; saka iwe unowana zvimwe zvinhu "zvinosanganiswa mumutengo". Iyo purogiramu. Iwe unogona kuzvienzanisa nezororo-inosanganisira nguva dzose, kwaunowana zvose zvinosanganiswa. Kana iwe uchivaudza kuti iwe uri wezvinomera, saka iwe hausi kuzodya nyama, haachinje mutengo.
Icho chirevo chezvinhu izvi zvinotengeswa. Inoita kuti zvive nyore, saka zvisikwa zvose zvinofukidzirwa. Saka, pane dzimwe nguva, haugone kuchengetedza mari painishuwarenzi yako nekukumbira kubvisa chimiro chakavharidzirwa chinyorwa kana kurasikirwa kwekushandisa.
Ndezvipi Zvakafukidzwa ne "Zvimwe Zvivako" paIndaneti Purogiramu?
Pane peji rako rekuzivisa mapeji muganhu we inshuwarisi yezvimwe zvivako zvinowanzowanikwa pedyo nehuwandu hwe inshuwarisi pa " Imba Yenyu ."
Kugoverwa kunowanzoenzaniswa ne10% yemari yako yekuvaka, saka, kana chivakwa chako kana imba ichichengeterwa pa $ 300,000, unogona kuona mari yakawanda ye $ 30,000 yakanyorwa. Inishuwarenzi mitemo inopa mhando dzakasiyana-siyana, iyi inongova nhungamiro inoshandiswa semuenzaniso, tapota tarisai neanomiririra weimishuwarenzi kuti uve nechokwadi chezvaunokwanisa kuita.
Handina zvimwe zvivako, ndinokwanisa here kubvisa zvimwe zvivako kubva purogiramu uye kuchengetedza 10%?
Tisati tataura nezvekubvisa ruzivo, ngative nechokwadi kuti tinonzwisisa zvinorevei.
Kunzwisisa "Zvimwe Zvikamu" Pamba Purogiramu Yezvokureva zvinoreva
Muenzaniso wakajeka we "Other Structure" igaraji risina kuiswa kumba kwako. Zvisinei, kuwedzera kumagaraji, kune zvimwe zvakawanda zvezvinhu zvinogona kuwira muboka:
- Garages
- Padzimba Dzimba
- Sheds
- Gazebos
- Misha yevaeni
- Barns
- Matumba kana Ekunze Kunze Kwekudya Kudya, sekuonekwa mumufananidzo uri pamusoro apa.
Zvinosuruvarisa, kunyange kana usina chimwe chezvinhu izvi, ungasakwanise kubvisa kuvhara kubva purogiramu yako. Mune mamwe mamiriro ezvinhu, mubhadhari angasarudze zvimwe zvikamu zvezvivako zvepamusoro kana vakafunga kuti vanoda kugadziriswa kana kuti vakava nengozi nekuda kwekushaiwa kwekugadzirisa . Kunyange mumamiriro ezvinhu akadaro, zvingava zvisina kujairika kuona kuderedzwa kwemutengo wepurogiramu yako semugumisiro.
Nei Ndichifanira Kubhadhara KweInishuwarenzi Kana Ndisingachidi?
Vakawanda veimba vagare vane zvimwe zvivako, uye ichi ndicho chikonzero chirevo chacho chakavakwa nenzira iyi: kuve nekuchengetedza zvakakwana kuchengetedzwa kwevakawanda uye kwete zvisizvo.
Kazhinji, "zvivako zvepamusoro" zvingasave zvakakwana zvakaputirwa ne10%, uye vanhu vangave vachifanira kuwedzera kugoverwa kumutemo kuti vavatsigire zvakakwana kana kutenga mutemo wekupedzisira wepamusoro nepamusoro pemiganhu.
Chii Chandingaita Kuderedza Kuchengeta Mari PaInishuwarenzi Yangu?
Mamwe makambani angakupa iwe sarudzo yekuderedza zviri mukati mako, asi zvakare iyo ndiyo mamiriro ezvinhu mamiriro ezvinhu. Iwe unogona kudana wako insurer uye kubvunza. Izvo zvinowanzoitika mumamiriro ezvinhu apo imba inotengeswa nokuda kwekukoshesa zvikuru, uye zviri mukati hazvikwanisi kuwana 60-70% muyero, Zvakare, izvi zvingava zvakasiyana, uye kwete zvisizvo.
Kuongorora Mubatanidzwa Wako Wokuchera Inishuwarenzi Mari: Ramba Uchichenjerera
Iva nehanya zvikuru pamusoro pehuwandu hwehuwandu hwaunosarudza kuderedza, yeuka iwe uri kuisa iyo inogona kuva iyo yako inokosha inokosha.
Kana uri kutambura kuti uwane nzira yekuchengetedza 10% yeinishuwarenzi mari yako, iwe unotambudzika zvakadini mukurasika kukuru? Inishuwarenzi ingasava nzvimbo yaunoda kuderedza mari.
Uine izvi mupfungwa, tsvaga zvaunogona kuita. Semuenzaniso, mamwe makambani anopa sarudzo yekuchengetedza imba yako kumiganhu ye inshuwarheni, panzvimbo yekutendwa kwekubhadhara mari . Icho hachisi chisarudzo chinokurudzirwa, kakawanda kuverenga kwekugadzirisa kukosha kwekuvaka kweimba yako hakusi kushaya maturo. Iwe unonyatsotora ngozi yakawanda mukukumbira nokukumbira kuderera kwekugoverwa, saka ngatitarise zvimwe zvatinosarudza.
Mawaniro Ekuwana Zvikwereti Zvakawanda Pamakambani Anishuwarenzi
Nzira yako yakanakisisa yekuchengetedza mari painishuwarenzi yako ndeyekuti unove nezvose zvingave zvingabhadhara iwe unofanirwa kuve, kusanganisira zvikwereti zvekugadzirisa, zvikwereti zvekugadziriswa kwemusha, sarudzo dzemagetsi, kuderedza zvakadzama uye nekubatanidza mitemo neye inshuwarisi imwe (chengetedza imba yako uye motokari pamwe chete nemubhizimisi kuitira kuti iwe uwane rubatsiro).
Iwe unogonawo kubvunza kana inshuwarisi yako yekambani inopa hutano hwekugadzikana kana huri nani huri nezvikwereti zvekwereti . Vanhu vazhinji havana kushandisa zvakanakisa mukana uyu kuti vawane kuderedzwa chete nekubvumira kushandiswa kwekwereti nyore. Maererano neThe Insurance Information Institute,
"Vamwe vashandi vanobhadhara mari yavo yepayamu ne 5 muzana kana iwe ukagara navo kwemakore matatu kusvika mashanu uye ne10 muzana kana iwe uchiramba uri mutariri wemakore matanhatu kana kupfuura."
Mune mamiriro ezvinhu akawanda, kana wakambova ne inshuwarisi kwenguva yakareba, vangave vane discretionary kubhadhara kana kuvimbika purogiramu yavanowedzera vasati vakukanganisa kukura iwe kumudzikwi.
Kana iwe uchiri kunzwa imba yako yerinishuwarenzi yepamusoro yakakwirira kwazvo, unofanira kutengesa kune dzimwe makambani eshuwarisi. Kucheka kuvhara kwako kunofanira kungova yekupedzisira . Chero chaunenge uchiita, tanga nehurukuro yakasununguka nemumiririri wako wehushuwarisi, uye uvaudze kuti vari kutsvaga maitirwo akanakisisa, vangave vari munzvimbo yakanakisisa yekukurudzira kuti ungaenderera sei uchiri kuchengetedza zvido zvako. Kana mumiririri wako wehushuwarisi achingomiririra imwe kambani yveshuwarenzi, funga kubata nevatengesi vangave vane ruzivo rwezvimwe zvingasarudzwa iwe, kana kuti kubvunza shamwari dzavanokwanisa kukurudzira kukupa mazano anoshanda mazano.
Pane zvakawanda zvakachengetwa inshuwarisi purogiramu uye mapurogiramu iwe ungasaziva nezvazvo. Pakupedzisira, nekuzarura kukurukurirana, iwe ungangodaro uchengetedze zvakanyanya kupfuura 10% iwe waive uchitsvaga kuti upedze mapurogiramu ako!
Mari yako, uye imba yako ndeimwe yezvinhu zvako zvinokosha, usazvitengesa pfupi - edza kukurukurirana, uye iwe ungagumisa kwete kungochengeta zvese zvako kugovera asi zvichida kuwana purogiramu inogona kukupa zvakawanda, nokuti mutengo mukuruwo.