Kuderedza Varidzi Vako Vekumba Insurance Premium Pasina Kurasikirwa Nezvipo Nemazano Aya
Kutenga uye kuva nemba inobatsira zvikuru, asi vanhu vazhinji vanokanganwa zvimwe zvezvinosangana nazvo. Vimba veimba inishuwarenzi ndeimwe mari inotadza uye haikwanisi kuwedzera zvakanyanya sezvaunenge uine imba yako kwemakore akawanda. Kunyange zvazvo mari yevashandi vemunharaunda ingasimuka nekuda kwekuwedzera kwezvinhu, kuwedzerwa kwekuvaka mari, kana zvimwe zvikonzero, zvakakosha kuyeuka kuti unogona kuwana nzira dzekuchengeta mari iyi inoderedzwa.
Hewa nzira gumi dzokuderedza varidzi veimba yako inshumbisi yehurumende.
Simudzai Varidzi Venyu VeInishuwarenzi Deductible
Yako yakagadziriswa ndiyo yakawanda yemungozi unobvumirana kubvuma pamberi pekambani yeinishuwarensi inotanga kubhadhara pane kudai. Nekubhadhara kweinishuwarenzi yeimba inowedzera, hazvisi zvekare kutendera kambani ye inshuwarisi kutora dambudziko rose. Kana iwe uine deductible yakaderera ye $ 50 kusvika ku $ 100, funga kuitora iyo kusvika $ 500 kusvika ku $ 1 000. Unogona kuchengetedza kusvika ku25% pamishandiraimari yako.
Mamwe makambani ari kupa zvikwereti zvakaenzana ne1% yeuwandu hwekuchengetedzwa kweimba yako ($ 1 000 inotengwa pamusha we $ 100,000). Iko inoratidzika semari yakawanda yekubhadhara kana chiitiko chekutsvaga, chimbofunga izvi: mamiriro ekugadziriswa kweimba yeimba yemhuri ndeye makambani einishuwarenzi kuti ape mhosva zvikuru vatengi vanoisa imwe kana zvimwe zviduku zviduku. Kazhinji zvikwereti zvinoputirwa nenzira yakasimudzwa kana mutemo wacho wakabviswa, uye kana mutengi akatarisa kune imwe nzvimbo yekugovera, vanogona kuwana kuti inotengesa katatu zvavari kubhadhara.
Tinofanira kuchinja maonero edu kuti inshuwarheni yemhando ipi neipi inotarisirwa kuvhara zvose zvatinoshandisa patinenge tichitaura. Mazuva iwayo apera. Funga nezveinishuwarenzi sekugovera njodzi. Ingozi yakawanda yaunoda kutora?
Gadzirai Varidzi Vako Vekumba Insurance uye Auto Insurance Policies
Funga kutenga vatengesi vako uye auto inshuwarisi mitemo kubva kune kambani inopa zvose.
Mamwe makambani anopa zvikwereti kubva pa5% kusvika ku15% kana iwe ukatenga zvose zvinyorwa zvekugovera kubva kwavari. Tarisa-tarisa uye uone kuti mutengo wakaderera kupfuura kutenga mazano maviri kubva kumakambani maviri akasiyana asati aita izvi.
Bvunza Inishuwarenzi Yenyu Nezvevamwe Veimba VeInishuwarensi Dhaurirano
Iva nechokwadi chokuti uri kugamuchira zvese zvikwereti zvaunokodzera. Semuenzaniso, kukanganisa kunowanikwa kune utsi hwekutsvaga, kuputika kwemafuti, kuchengetedza kana kupisa moto, zvinodzimisa moto mudzimba, nezvimwewo. Kana iwe uri kupfuura makumi mashanu nemashanu uye ukaenda kumusha, iwe unogona kukwanisa kuwana 10% yekubvisa.
Usatenga Varidzi veHimba Inoshuwarenzi Iko Haunoda
Hazvina musoro kutenga inshuwarisi kuti uzvidzivirire kune njodzi dzausingafungiri kusangana; somuenzaniso, kudengenyeka kwepasi kudengenyeka munzvimbo isina nzvimbo yekudengenyeka kwenyika, kana kutengesa zvishongo kumapurisa ako kana iwe usina pfuma yepamusoro.
Ita Kuti Imba Yako Ive Inyore Inishuwarenzi Risk
Kumbira mushandi wako wehushuwarisi zvaunogona kuita kuti imba yako irege kudhura kuvhara. Kuita shanduko dzinoderedza dambudziko rekukuvara mumhepo ine mhepo uye dzimwe njodzi dzinongoitika dzoga ndeimwe muenzaniso. Imwe ndiyo inovandudza yekare yehutambo kana kupisa zvishandiso, izvo zvingaderedza dambudziko rako remoto nekudaro kuderedza mari yako yepurayamisi.
Ziva Zvauri Varidzi Venyu VeInishuwarenzi Inotsigira
Imba yako ndiyo inowanikwa zvikuru. Iva nechokwadi chokuti yakachengetedzwa zvakakwana kubva kune njodzi dzisingakwanise kuzvivhara iwe uye kuti dzinobatanidza humwe hunovandudzi hwemusha hwawakaita, hutenga hwakawanda, nekuwedzera mari yekuvaka zvakare.
Chengetedza Inishuwarenzi Yenyu Inosvika Kumusoro
Kamwe kamwe pagore, vasati vauya neimba yehuturo yehurumende yechipatimendi yekusunungurwa, chengetedza purogiramu yemazuva ano, verengai nemashoko ose, uye sidzai mujeri wenyu wehushuwarisi kuti mukurukure kuchinja kupi zvako mumamiriro ako akaitika mugore.
Dzivisa Ngozi Dzakatsigira Shungu
Vafambisi vanozorora kubva kune dzimwe njodzi. Somuenzaniso, kuva nemamwe marudzi eimbwa (Rottweilers, Doberman Pinschers, Pit Bulls), inogona kugadzirisa kana kusava nemutemo wako. Kuva nedziva rokushambira kana trampoline kunogona kuwedzera mari yako yekugovera.
Verenga zvose zvakanyora zvakadhindwa mubato rako pasi pe "Zviitiko uye Zvikamu" kuitira kuti uzive zvinhu zvose zvisingabvumirwi kubva pakugovera. Iwe unogona kusarudza kutenga zvimwe zvekuchengetedza kuti uzvidzivirire kubva kune zvimwe zviitiko.
Kuvandudza Chikwereti Chakwereta
Makambani eInishuwarenzi ari kuwedzera kushandisa ruzivo rwekwereti kumatengo emishuwarenzi mitemo Usina zvikwereti zvakawanda zvekwereti , usabhadhara pedyo nemiganhu pamakadhi ako ekwereti , uye ubhadhara mabhidha ako ose nenguva kuti uchengetedze chikwereti chako chine utano hwakanaka.
Dhinda Munharaunda yeimba yaInowner's Insurance
Tenga zvakapoteredza varidzi vemisha yveshuwarenzi asi ramba uchiyeuka kuti iwe unogona kunge uri kugamuchira kubhadhara kwenguva refu kana wakambova nemugovera wako wekuchengetedza kwemakore akawanda. Zvikwereti zvinowanzoita 5% kana wakambove nekambani kwemakore matatu kusvika mashanu, uye 10% kwemakore matanhatu kana kupfuura. Tsvaga zvinyorwa kubva kune vatatu vashandi, uye utore chero hupenyu hwehupenyu huri kutengesa nehuwandu hwekuchengetedza kwekuchengetedza iwe kana uchienzanisa kana uchienzanisa nemitengo. Dhipatimendi yako yehurumende yemishuwarenzi inogona kuva nehuwandu hwekuenzanisira huripo huripo huri munyika
Nokuchengeta izvi zvakanakisisa maitiro mupfungwa, unogona kukwanisa kuzviisa panzvimbo yaunenge uchangobva kuchengetedza mari yakawanda nevadzidzisi vepamba yveshuwarisi. Kana iwe uchiziva zvaunogona kuita, unenge uine huwandu hwakawanda mukuwana nzira dzekuderedza premium yako. Mushure mokuita tsvakurudzo yako, iva nechokwadi chokuti utaure neanomuzivo ane ruzivo anogona kukupa zano nekushandisa mari.