Vagari veimba yeInishuwarenzi Inoshanda Sei uye Zvakafukidzwa?
Vimba veimba yehupfumi isimboti yakagadzirirwa kukuchengetedza seimba yemunharaunda pakurasika nekukurumidza. Iyo inshuwarisi yemhuri ndiyo kambani pakati pemwene weimba, anozivikanwawo seye insured, uye kambani ye inshuwarisi.
Chibvumirano chinoita chibvumirano chokuti, mukutsinhanisa nemari yepayimari inobhadharwa nemuridzi wemba, kambani yeInishuwarenzi ichabhadhara muridzi wemba nekuda kwezvisingatarisirwi, kamwe-kamwe, uye / kana kuitika njodzi kana njodzi dzinoitika pamba, uye / kana zviri mukati kumba, sezvakabvumirwamo mumashoko ekutonga.
Vashandi veimba yeimba inodzivirira zvinhu zveimba yeimba uye vanovimbisa kuti kurashikirwa, dambudziko kana dambudziko risingazovasiyi mumatambudziko emari. Pasinei nokuti uri kutarisira kutenga inshuwarisi sekutanga kugadziridza imba , kutsvaga ruzivo kuti uve nechokwadi chokuti uri kuwana zvakanakisisa mari yako, kana kutsvaga rubatsiro kuti unzwisise mutemo wako, heano zvimwe zvidzidzo pamusoro peinishuwarenzi yeimba.
Vimba Veimba Pamba Vanoshanda Sei?
Inishuwarenzi yako ndeyegvumirano inobvumirana kukufukidza iwe nekuda kwezvipingamupinyi zvakajeka kana zvinetso zvinogona kuitika zvichiita kuti iwe uwane kurasikirwa kwemari.
Nekutsinhanisa mari yepamusoro (iyo mari yauchabhadhara chikwangwani chako) inishuwarenzi inogadzira chibvumirano chokuti kambani ye inshuwarisi ichakubhadhara iwe nokuda kwekurasikirwa sezvinotsanangurwa uye yakanyatsoratidzwa mumusha wehuturo yveshuwarisi.
Zvose mitemo nemirairo yemitemo yenyu inorayira izvo zvakabatanidzwa, kuti kudai kuchabhadharwa, uye chii chinenge chisina kubhadharwa kana kukwana. Iwe unogona kuwana humwe ruzivo rwekugovera ruzivo rwebvumirano rako reinishuwarenzi paDeclaration Peji yeinishuwarenzi yako .
Sangano reinishuwarenzi rinotaura zvakajeka tsanangudzo nemiganhu yakakosha yekukuudza kuti chii chaunotarisira semuridzi wehurumende yeruzhinji.
Imba Inowani Mari Inishuwarenzi?
Pane zvinhu zvakawanda zvinotarisa mari yakawanda yemishuwarenzi yemhuri. Kubva pane zvinyorwa, mavhareji emari yeimba yerinishuwarenzi muUnited States inokwana madhora 1,132 pagore uye muvhareji anotora inshurensi mari inodarika $ 190 pagore, maererano neIniscience Information Institute. Izvo zvinongova zvikamu. Mari inogona kuchinja, zvichienderana nezvinhu zvitatu zvinotevera:
- Mashoko ako ega akabatanidza makore ako, basa, kana iwe une inshuwarisi yekare, iwe chikwereti chako, kana iwe uri wemamwe masangano ane mapoka ehushuwarisi ekirasi kana kukodzwa, mararamiro ako uye kushandiswa kweimba yako.
- Mashoko aya ane chokuita nechinzvimbo cheimba yako, ruzivo rwakarasikirwa munzvimbo yaunogara iwe uye zvinotarisirwa zviitiko zvinotangisa pamusoro pokuti imba yako iri mumamiriro ezvinhu zvakakanganisa sei inshuwarheni yemari.
- Tsanangudzo pamusoro peimba yako, kusanganisira kugadziriswa, gore rokuvaka uye zvinhu zvinoshandiswa pakuvaka imba yako uye chero humwe huviriro hune pamba pako.
Yenyu yemishuwarenzi yako uye nhepfenyuro inowanzobvumira kuti zvikomborero zviwedzerwe purogiramu, naizvozvo kunyange kana iwe uchienzanisa mutengo we inshuwarisi yemadzimai maviri akafanana pedyo pedo nemumwe, mutengo ungave wakasiyana kana vanhu vane dzimba idzodzo vakasiyana mamiriro ezvinhu ega.
Imba Inishuwarenzi Inokosha Here?
Inishuwarenzi yepaIndaneti inopa vanhu vane dzimba yavo chinhu chinokosha chekuchengetedza ruzivo rwavo uye kugadzikana kwezvemari kana mamiriro ezvinhu achiuya apo pane kukuvadza kwechimbichimbi uye chinokanganisa kune pfuma yako kana imba pachako. Inokuchengetedza iwe nekupa inshuwarisi yemhosva inomuka semugumisiro weimba yako iwe pachako, kana kunyange semagumisiro emabasa ako nemabasa semunhu pasi rose .
Mari Yenyu Yakadini Inowanikwa?
Imba yako inshuwarisi inoda kuve nekugoverana kwakakwana kukupa iwe mubhadharo wekurasikirwa kwemari mune 4 mazana makuru.
- Kukosha kwechimiro chako, kana chivakwa. Uyewo inozivikanwa sehuwandu hwehupfumi hwekugara . Izvi hazvirevi mari yevhu.
- Kukosha kwekutora nzvimbo yako yega kana kuti pfuma yako . "Pfuma yako" inosanganisira zvinhu zvisiri chikamu chekugadzirisa - zvinhu zvawakaunza newe pawakatamira mumba, kana fesheni nezvimwe zvinhu zvawakatenga uye ukagara mumba mako.
- Mari yemari yekuwedzera mari. Izvi ndezvokubhadhara kwaunogona kuita nekuda kweshoko kana iwe usina kukwanisa kugara mumba mako nekuda kwekurasikirwa kwakafukidzwa kana njodzi yehupfumi apo kambani ye inshuwarisi inogadzirisa imba yako kana isingawanikeki. Imba haigoneki kana pasina mvura inoyerera kana magetsi, kana kana pane kuparadza kunoita kuti zvibvirire kugara mumusha panguva yekugadzirisa. Kambani imwe neimwe ye inshuwarisi inogona kutsanangura izvi nenzira yakasiyana kana inogona kuongorora kudiwa kwekuenda kune imwe nyaya-ne-case based.
Inishuwarenzi yeimba inongova purogiramu yemapato. Mutengo we inshuwarisi unobva pane kukosha kweimba yako, kana kuti hutengo hwekuchengetedzwa kwehupfumi hwehutano hwemusha.
Mutengo we inshuwarisi unobva pane zvauri mukati unokosha kune vashandi ve inshuwarisi kana kuti mazano emadhora .
Izvo zvekuwedzera mari yekubhadhara kazhinji inowanikwa chikamu chekutanga kwekugoverana, uye kubhadhakwa kwekodzero kunouya sechikonzero asi kunogona kuwedzerwa zvichienderana nezvinodiwa iwe pachako.
Zvimwe Mishonga Inishuwarenzi Yeimba
Pane zvimwe zvikamu zvinogona kuiswa mumishonga yveshuwarenzi yemhuri , somuenzaniso mutemo weimba yaunowedzerawo zvimwe zvivako se peresenti yemari yekuvaka. Sezvakanongororwa, zviri pamusoro apa ndezvikamu zvepamusoro zvekugovera zvaungada kuisa pfungwa pazviri kuti uone kukosha kwehutano hwemusha unoda.
Zvimwe zvikamu zvinowanikwa zvinogona kuwedzerwa nekubvuma kana iwe uchida zvimwe zvinyorwa kupfuura zvinowanikwa muimba yehupfenyuro yemapurisa . Inishuwarenzi yepamba yemhuri inowanzova nemiganhu yakakosha pane zvimwe zvinhu, sezvishongo; kana mushure mekuongorora nheyo yenyu yekuperevedzwa kwakakosha pane pfuma yaunoda kuva nechokwadi yakavharwa, zvino iwe unogona kusarudza kuwedzera mutengesi wemishuwarenzi .
Kuparadza Kwemvura uye Inishuwarenzi Yepamba
Mvura inokuvadza inoshandiswa zvakanyanyisa kana iri panyaya yveshuwarenzi yemusha. Zvimwe zvinokanganisa mvura zvakaputirwa , uye zvimwe zvipfeko zvinogona kuwedzerwa nekubvumirwa , zvakadai semvura yakasununguka shure-up cover; zvimwe zvinokonzerwa nemvura zvinoputika zvakabviswa . Paunosarudza inshuwarisi yeimba ino ivai nechokwadi uye mubvunze nezvemhando dzakasiyana dzemvura yekukuvara iyo inowanikwa muhutano hwako uye tsvaga kuti ndezvipi zvaunogona kuwedzera kugoverwa nekugadziriswa kwekuzvidira. Kukuvadzwa kwemvura ingozi inowedzera nekuda kwekuchinja mamiriro ekunze uye maitiro ekukwegura.
Ndiani Anozadzirwa NePurogiramu Yeimba Yeimba?
Mune inshuwarisi yako, pane tsanangudzo ye inshuwarisi. Pasi pemutsara uyu unowanzowana tsanangudzo yekuti ndiani akavharwa pasi peinishuwarenzi yako. Mutemo wacho unowanzotaura kuti uyo anonzi inshurenzi uye wawakaroorana naye kana muvakidzani wepamba (kuburikidza nemutemo wakafanana kana kuroorana) anonzi akachengetedzwa pasi pemutemo. Pamwe chete neizvi, vana vanovimbiswa nevatsigiri vese vachigara pamba vanogonawo kubatanidzwa.
Ndiani Asina Kuvharwa Pasi PepaIndaneti Inishuwarenzi?
Rubatsiro rwemumba, hama dzisingabatanidzwi mukutsanangurwa kwevakatsigirwa, vashandi veimba yenguva pfupi uye vavakidzani havakwanisi kana kuti vakavharwa pasi pehutano hwemusha nokuti vanhu ava havakwanisi kutsanangurwa kwehu inshuwarisi.
Inishuwarenzi Kana Uchitenga Imba Yako
Kana iwe uchikwereta imba yako uye usingaiti yako, ingave imba, imba kana kuti condo, iwe unoda renters inshuwarisi .
Kana Uchitsvaga Imba Yako
Inishuwarenzi yepaIndaneti inotarisirwa kuvhara imba inoshandiswa semuzinda wekutanga. Kana iwe uchikwereta imba yako, zvino mutemo weimba inenge isiri iyo yakakodzera iwe, uye iwe haungatori inshuwarheni kana iwe une chirevo chinomuka apo imba iri kubvirwa kunze.
Pamba Bhizimisi Basa uye Home Inishuwarenzi
Kana ukashandisa imba yako yebhizimisi, unofanira kutaura nekambani yako ye inshuwarisi kuti uone kana vachigona kuwedzera mutasvi webhizimisi rekushandisa. Mishonga yveshuwarisi haisati yafanirwa kuvhara kushandiswa kwebhizimisi, saka kushandisa imba yako yebhizimisi uye kwete kuitaura iyo kune kambani ye inshuwarisi kunogona kuita kuti kuvhara kwako kusakanganise uye kusina. Kwete kubika kuchinja pamutemo wemusha kana mumamiriro ako ega kunogona kukonzera kambani ye inshuwarisi kubvisa mutemo wako.
(Dzidza zvakawanda nezvezvikonzero nei kambani yveshuwarenzi inogona kubvisa mutemo wako pano .)
Kune zvibvumirano zvakawanda kana zvirongwa zvingave zviri nani zvakakodzerwa kwauri kupfuura mutemo weimba yepamutemo kana iwe une bhizimisi. Kunyange mamiriro ako apo iwe uri kushandisa imba yako yeAubbbb yekugovera kana kugoverana kumusha kunogona kuva dambudziko, asi kukurukura nezvemamiriro ako nehutano hwepamba yako kunogona kukupa mhinduro dzinobatsira iwe kuwana chinyorwa chakanaka.
Home Inishuwarenzi yeCondo kana Co-op Owners
Kana iwe uine condo kana co-op, iwe haufaniri kumusha mudzimba inshuwarisi; unoda condo kana co-op inshuwarisi nokuti condos uye co-ops dzinofunga nezvemamiriro ezvinhu chaiwo anowanikwa apo iwe une chikwata chimwechete chechivakwa, kana zvikamu mubambirano. Semuenzaniso, imwe nhaurirano inonyanya kuzivikanwa kumudzimai wekodha asi haingabatanidzi mumutemo weimba yekurasikirwa kuongororwa , kana kuti inshuwarisi yakawanda .
Ndeapi "Matambudziko" Akafukidzwa Neimba Inishuwarenzi?
Paunenge uchitenga inshuwarisi yemhuri iwe une sarudzo yekusarudza rudzi rwekugovera kwaunoda . Pane mazano maviri ekutanga ekugadzirisa mumusha wemishonga inshuwarisi:
- Vhura Matambudziko
- Anonzi Perils
Kunzwisisa pfungwa idzi mbiri kunobatsira kuratidza kusiyana kwehuwandu hwehuwandu hwekugadzirisa maitiro ako akasiyana-siyana muhushandi hwehurumende inogona kukupa sezvo iine maonero akasiyana muhuwandu hwekugovera:
- Mavhesi Akavhurika inotakura iwe ne "njodzi dzose" kunze kwekuti dzisina kubviswa.
- A Mazita Anonzi Mavhesi kana Mazano Akajeka Anowedzera iwe nekuda kwezvipingamupinyi zvishoma. Njodzi dzinowanzosvika ku 16 "nhamo" dzinogona kuitika kwauri, asi shure kweizvozvo, chero chimwe chinhu hachina kuvharwa. Mimwe mitemo inogona kugovera zvishomanana, kufanana neFIN-1 fomu.
Iva nechokwadi uye ubvunze kana mutemo waunenge uchitenga unosangana nematambudziko akazaruka pane chivako chekuchengetedzwa kwehutano uye pane zviri mukati, kana chete kune vanogara vanochengetwa. Izvi zvinokonzera kusiyana mune zvaunobhadharwa mukutora.
Imba Yehu Inishuwarenzi Inobhadhara Sei Mukuda ?
Nheyo dzezvakanyorwa zvinogadziriswa zvakanyorwa mumashoko ako emitemo zvichakuudza zvaunogona kutarisira mune kudai kusvika paripo. Izvo zviviri maitiro ezvinyorwa zvekubhadhara muzvinyorwa ndezvi:
- Zvechokwadi Cash Value: Iyi ndiyo mari yekubatsiridzira, zvishoma kuderera. Izvi zvinoreva kuti haungakwanisi kuwana mari yakakwana yekudzorera imba kana zvinhu kana chikonzero chezvokugadzirisa zvinenge chiri Chaizvo Cash Value. Ichi ndicho chinonyanya kudiwa chimiro chekutsvaga kwekutsvaga.
- Kudzokorora Mariro: Kuchinja mari inokupa iwe mubhadharo wekushandurwa kwezvinhu zvakatsigirwa murasikirwa. Tsvaga kana izvi zvinoshanda kune chivako chako uye zviri mukati. Izvi zvinokubvumira kuti udzorere zvawakarashika mushure mokutaura uye dzoka zvakare kwawakanga uripo kusati kwarasikirwa kubva apo iwe uchatora mari yacho kuti ishandise.
Zvakakosha kuverenga mazano ako ekutaura pamusoro pezvikonzero zvekugadziriswa kwemhosva apo iwe unowana inshuwarisi yemhuri yekuita kuti uone kuti unonzwisisa zvigadziriswa muchibvumirano, zvisarudzo uye zvikwereti.
Chii Chimba Inishuwarenzi "Fomu Yechipatimendi," uye Zvinorevei?
Paunowana zvinyorwa zvemishonga yemishuwarenzi yemhuri inokosha kuziva kuti mafomu akaita sei uri kutaurwa. Imwe fomu yemagariro inotsanangura rudzi rwekugoverwa mu inshuwarisi "purogiramu" yauri kutenga. Kusiyana kukuru kwemufomu wepurogiramu kwaizove pamusana pezvirevo zvekugadzirisa, pamwe uye kuti ingozi yakawanda yakavharwa sei. Semuenzaniso, dambudziko rakazaruka kana fomu yehuwandu hwehutachiona seH HO-3 ichava nehuwandu hwakawanda kupfuura HO-2, asi zvose zviri mairi inshuwarisi yemitemo. Icho chimiro chinoita kuti musiyano ndiwe unogona kutarisira kuvharidzirwa kana iwe uchida kubvuma.
Mienzaniso yeMamwe emhando dzakasiyana dzeimba yeimba "Mazano eSangano"
| HO-1: Mutemo wekugovera zvishoma |
| HO-2: Purogiramu yekutanga inobatanidza chete ngozi dzinoratidzirwa |
| HO-3: Inopa huwandu hwakawanda hwehuwandu hwehuwandu hwehuwandu hwehuwandu kunze kwekunge husina kubviswa |
| HO-8: Kazhinji inoshandiswa kumisha yakwegura inoshandisa chaiyo mari inokosha yezvokutsigira kusarudzwa zvinoreva kuti kukosha kwakaderera kunobhadharwa mukutora - izvi hazvina kukwana kuti titsive |
| HO-4: Renter Insurance Policy |
| H0-6: Condo Insurance Policy |
Imba Yakakosha-Imba uye Inokosha Imba Inishuwarenzi Inishuwarenzi
Kunyanya kukoshesa dzimba, misha yezvakaitika kare, uye dzimba dzine maitiro anokosha zvinogona kukodzera kumucheto-kumusha kwemishonga inshuwarisi. Kana uine imba ine huwandu hwepamusoro kana pamusoro-muvhareji kuvaka nehutano iwe ungada kutarisa muhutano hwepamusoro-kukosha kumusha wemupurisa. Kunyanya kukoshesa inshuwarisi yemusha inopa huwandu hwakawanda hwekugovera huripo, asi hunouya nebhadharo yepamusoro.
Zvikomborero zvinogona kusanganisira zvakakwana kushandiswa kwezvinhu, pasina chekuita kushandura mitemo (kusarudzwa kwemari), mutemo wekugoverana, zvipo zvakakura zvekuwedzera mari yekushandisa uye kugoverwa kwemiganhu yakakwirira yezvishongo, zvigadzirwa zvakanaka, zvekare kana zvinhu zvisingagoni kuva kunotsiviwa nekuda kwehupenyu hwavo. Aya marudzi ezvinhu haana kuvharwa nyore nyore pamutemo wepamutemo wemusha nekuda kwemiganhu uye zvisingabvumirwi.
Ko Vimba Vese Veimba Vanofanira Kuve Neimba YeInishuwarenzi?
Aiwa, vese vagari vomunharaunda haafaniri kuva nemishonga yemishandisi yemusha. Zvisinei, kana iwe uine chikwereti kana chikwereti uye iwe usinganyatsogadziri imba yako, chikwereti chikwereti chinogona kukuda kuti uwane imba yveshuwarenzi nokuti vanoda kuchengetedza mari yavakakupa sechikamu chechikwereti. Vanogona kukukumbira kuti upe binder ye inshuwarisi usati wapa chikwereti chako kana chikwereti.
Musha Inishuwarenzi Inotungamirirwa Nemazano: Nguva dzose Chengetai Mitemo Yenyu Nezvakatongwa
Zvinogara zvakanakisisa kuti uve nehurukuro nemubhizimisi wemumiririri wako pamusoro pekuti mabhizimisi anobata sei neinishuwarenzi yako sezvo mamiriro ezvinhu akasiyana kubva kune inshurensi kusvika kune inshuwarisi, pfungwa dzinokurukurwa munyaya ino ndeye mirayiridzo inokosha yaunoda kukubatsira kubvunza mibvunzo inokosha pamusoro pekugovera kwako.
Iwe unogona kuenzanisa imba inshuwarisi kana renter inshurensi mari yehurumende yega yega yeIniscience Information Institute.