Zvakakosha kuve nechokwadi chekuchengetedza pfuma yako
Haisi iyo yunivhesiti yemujeri inonyanya kukosha kuchengetedza zvinhu zvako zvepfuma, asi zvakarewo zvinodiwa mune zvakawanda zvemazuva ano mapurisa akawanda. Chinhu chisingazivikanwi chakajeka ndechokuti mwene weimba yako yunivesiti inosanganisira pfuma yako. Izvi ndezvechokwadi. Muridzi weu inshuwarisi anongobatanidza chimiro chemuviri asi hapana weimba yaanopinda.
A renter's inshuwarisi inobatanidza zviri mukati mako uchigara mune imwe nzvimbo yakabhadharwa ichirwisana nekurasikirwa kunokonzerwa neurongwa hwezvinonyanya kutaurwa zvinetso zvakadai semoto, kuba, hurricane kana dzimwe njodzi dzinongoitika dzoga. Iwe unogona kuwedzera kugoverwa kuburikidza nekubvumira / mutasvi wezvinhu zvakadai sezvinhu zvakadhura zvemunhu, kuvhara kwekuzivikanwa nekudzivirira kana kuwedzerwa zvimwe zvikwereti zvekushandisa mari yekufanirwa iwe unofanira kubuda kunze kweimba yako kuitira kugadziriswa nekuda kwekurasikirwa kwakafukidzirwa. Iwewo une chiremera chekuchengetedza kuvhara njodzi dzinogona kuitika kuna ani zvake anoshanyira imba yako yakadai sedhiriri uye kuwira. Bhizinesi imwe neimwe ichava nemiganhu yakasiyana yekugoverana uye zvarongwa zvezvematongerwo enyika zviripo.
Paunosarudza kuti unotenga inshuwarisi yemainter, pane zvikonzero zvakasiyana-siyana zvokufunga, kusanganisira mitengo, zvipo zvematongerwo enyika, simba rezvemari, basa revatengi uye nezvimwe. Makambani aya anotevera inshuwarisi anotarirwa zvikuru neJD Power & Associates, AM Best, Insure.com People's Choice Awards, Consumer Reports, Better Business Bureau nemamwe masangano ekuenzanisa uye vari pakati pezvisarudzo zvakanakisisa zveinishuwarenzi yevaridzi mumusika wekutengeserana.
01 Best Overall Customer Satisfaction: Erie Insurance
Erie vatengi vakaita sekambani kune zvikonzero zvakawanda; zvinonzwisisika rates, hukuru hwakanyanya kugutsikana kwevanhu uye basa rakanaka rekuita. Erie Inishuwarenzi yakanga iri Nha. 1 yakarongedza kambani yemainishuwarenzi emudhaini muJD Power Home Insurance Study ne-5-nyota kubva ku-5-nyota yesimbi yegenderedzwa yegota uye "A +" AM Best rating. Erie Insurance inowanikwa muPennsylvania. Coverage inopiwa mundima 12 uye Washington, DC
Erie yakabhadharwa inshuwarisi yechipatimendi inopa kuvimbiswa kunoshandiswa kwemari yeimba yako uye kuwedzera kwekugoverwa kunowanikwa kuti uzive kuwanikwa uye zvinhu zvakadhura zvezvinhu zvako. Erie anopa mitemo yakawanda inotambisa kusvika kusvika pamakumi matatu (izvi zvinotora zvinogona kubva kubva pa14 kusvika ku30 muzana). Kana iwe uine auto motokari neErie, zvinonzwisisika kuona kana iwe unogona kuchengetedza nekuwanawo renter's inshumo yekutsvaga. Erie renter's inshuwarisi inotora nzvimbo yako (terevhizheni, fesheni, magetsi, nezvimwewo), kubhadhara mari yekuwedzera yehupenyu kana uchifanira kugara kune imwe nzvimbo apo imba yako iri kugadziriswa uye kupiwa mhosva yekukuvadza kana kukuvadza kune vamwe vanhu kana pfuma paunoshanyira musha wako.
02 Nzvimbo Dzakanaka Dzakashanda: State Farm
State Farm inopa renter inshuwarisi yakaderera pane yepamusoro yevhidhiyo yemitengo yevashandi vakawanda nevatengi (pane zvakawanda zvingororo zvakapiwa uye unogona kuwana kugoverwa munzvimbo dzose dzenyika yeU.S.). State Farm ine mukurumbira wakaisvonaka mukati mekambani yveshuwarisi. Iine "A ++" yehutano hwemari ne AM Best uye ine mitsva yakawanda yevashandi kubva kuJD Powers (nzvimbo yechitatu muIndaneti yeUshuwarenzi Yenyu Inishuwarenzi Yenyika), Insure.com nemamwe masangano ekuenzanisa.
State Farm's renter inshuwarisi yemutemo inopa mari yakazara yokugadzirisa mari uye inopa kukurudzirwa kwakanyanya kwekuongorora maitiro eimba. Iyo inoratidzirawo inoshandisa magetsi kusvika ku $ 5,000 uye kusvika ku $ 1,500 yebhizimisi nzvimbo inogara muimba yako. Iko kunewo dzimwe nzira dzakasiyana-siyana dzekugadzirisa dzinowanikwa kune kuwedzera kune zvinyorwa zvekushandisa zvekubhadhara zvakadai semvura.
03 Best Discounts: Allstate
Vose vatengi vanofarira zvose zvingasarudzwa zvinouya neinterrenti yerinishuwarenzi, kusanganisira mitemo yakasiyana-siyana, kubhadhara kumba yakachengeteka, hurongwa hwekubhadhara nyore, 55 uye kutora chikwereti chekutsvaga uye kubhadhara kusingabhadharwi. Izvozvi-kusunungurwa kusununguka kuribhadharira kukwana kusvika kusvika pamakumi maviri kubva mubhadharo yako yehupfambisi yveshuwarisi.
Panewo mutsara wakazara wekusarudzwa kwemasarudzo, kusanganisira kugoverwa kwako kwepamusoro-dollar yakadai sezvishongo uye kugoverwa kwemvura yekudzivirira / mvura yekuchengetedza. Allstate yaive mumakambani gumi ekurenda emari yveshuwarisi muJD Power US Home Insurance Study.
04 Best for Cost: American Family
American Family Insurance zvikwata zvepamusoro munzvimbo yekubhadhara mari kune vashandi pamwe chete nepamusana pepamuyamu yevheji. Chinhu chikuru ndechokuti inshuwarisi yemainisitiri nemhuri yeAmerica ndeyekuti hausi kurega kukosha mukutsinhanisa nemutengo wekushushikana wehurumende.
Mamwe mapepa emitemo yeAmerican Family renter inosanganisira hapana dhora rekushandisa magetsi uye kuputirwa kwepfuti. Iwe une chinyorwa chekusvibiswa kubviswa uye mold kukuvara uye kusazivikanwa kubata kudzivirirwa. American Family Insurance ine "A" Yakanaka zvikuru yemari simba kubva kuna AM Best uye yakagamuchira yechipiri chepamusoro (4 kubva kune 5 nyeredzi) kubva JD Power & Associates.
05 Best for Claims Service: Liberty Mutual
Rusununguko Mutual harugoni kupa chibhadharo chinodhura mari inoshuwarenzi asi basa rayo rekudaidzira riri pakati pezvakanakisisa mumhizha. Kutaura zvazviri, kambani inozivikanwa nekupa kugoverwa munzvimbo dzakakwirira dzinotaurirana apo vamwe vatsigiri vangave vasina. Iwe unokwanisa kutora kudai paIndaneti kana nefoni 24/7 uye wakachengetedza kero yako paIndaneti. Liberty Mutual Insurance ine "A" Yakanaka kwazvo kubva kuna AM Best, pamwe ne "A" kubva kuBusiness Business Bureau. Rusununguko Mutual rwakagamuchirwa ne 4 kubva pa5-nyanzvi yezvinyorwa zvekutaura kushandiswa kubva kuJD Power & Associates kugutsikana kwekugutsikana kwevatengi.
Imba yehutainishuwarenzi kubva kuRuberty Mutual inopa kugoverwa kwepamba yako pachako nechisimba kana kuparadza kwezvinhu zviri mukati mukati meimba yako kana motokari, kukwanisa kukuchengetedza kana mumwe munhu akakuvadzwa kana kuti pfuma yake ichikuvadza paunoshanya kumba kwako uye kuwedzera kwekushandisa kwemakombiyuta epamba uye mafoni . Panewo imwe sarudzo yekuwedzera kugoverwa kwezvinhu zvako zvose zvishongo zvishongo pasi pemutemo mumwe chete. Iwe unogona kuchengetedza purogiramu yako yevaenzi nekugadzirisa renter nemotokari. Panewo zvakare kubhadhara-kusununguka kusununguka kana iwe usina kutora mhaka kwemakore mashanu kana kupfuura.
06 Best for Customize Policy Yako: Varimi
Renter's inshuwarisi haisi uwandu humwe hunoenderana nezvose, kunyanya kana zvasvika kune zvakakonzerwa. Ichi ndicho chikwereti chaunofanira kubhadhara nokuda kwekutsvaga pamberi pekambani yeinishuwarensi inoripira zvakasara. Vatsigiri vakawanda vanongopa imwechete kana maviri kusarudzwa kusarudzo asi ne Farmers Insurance unogona kusarudza kubva kune dzimwe nzira dzakasiyana-siyana dzekutsvaga; iwe unogona kuva nerudzi rwakasiyana rwekuvhara, mhepo / chimvuramabwe kana dzimwe nzvimbo kunze kwekuti yako general deductible. Izvi zvinokubvumira kuti uwane huwandu hwekuvhara nekubhadhara zvishoma kudzingwa munzvimbo dzaungave uri pangozi yakakura yekurasikirwa.
Iwe unogonawo kuwana humwe huwandu hwezvinhu zvakadhura zvezvinhu zvako zvakadai sezvishongo, makombiyuta kana magetsi; uye chisarudzo chekubhadhara mari inoshandiswa, inoreva kuti kambani yeinishuwarenzi ichabhadhara kuti ichinje nzvimbo yakakanganiswa nezvinhu zvakafanana nehuwandu pasina kubhadhara kwekuderedza.
Varimi Inishuwarenti inonzi "A" Yakanakisisa na AM Best uye yakagamuchira mupiro wevashandi kubva kuIndure.com People's Choice Awards. Varimi veInishuwarenzi vakagamuchirawo 4.5 kubva kune 5-nyeredzi nhamba munzvimbo dzekukosha kwemutengo, kushandiswa kwekutaura uye kushandiswa kwevatengi.
07 Best for Additional Coverage Options: Munyika yose
Nyika yose renter ye inshuwarheni yekuvhara mazano inowanikwa nokuda kwebasa roga roga kukuvadza muviri kana kukuvadzwa kwepamwe kune vamwe (imwezve yemuamera mararamiro anotsigirwa anowanikwawo izvo zvichawedzera kuwedzerwa kwemhosva kumutemo wako), kuchengetedza mvura, kubhadhara kadhi rechikwereti (kuripa mari isina kubvumirwa kutengeserana pamari yako yekwereti / kubhadhara kusvika kumiganhu yakatarwa), kuputirwa kwepfuti, kuvhara kwezvinhu zvakakosha-zvinhu (makombiyuta, zvishongo, magetsi, nezvimwewo), kuvhara kwemaambura ega, kubhadhara kadhi rechikwereti, pamwe nekudzivirirwa kwekuvhara kwezvinhu zvinokosha zvakachengetedzwa kure nemusha. Sangano renyika rese re inshurensi rinopa "zvinhu zvitsva," iyo inoshandiswa iyo inotsiva chero zvinhu zvakasara kubva panjodzi yakavharidzirwa nezvimwe zvinhu zvitsva.
Nationwide Insurance inonyanya kuzivikanwa uye inovimba zita mu inshuwarisi. Kambani ine "A +" Superior AM Yakanakisisa uye yakagamuchira 3 kubva pa5-nyeredzi yeruzhinji mukuongorora kweJD Power ne Associates kugutsikana kwevanhu.
08 Best Inishuwarenzi yeHuji yeMujeri kune Zvimwe Zvimwe Zvokushandisa Mari Inoshandiswa: Vafambi
Inishuwarenzi ye Renter inopiwa neVa Travelers Insurance Company inopa imwe yezvakanakisisa zvekuwedzera mari yekubhadhara mari pamusika kana iwe usingakwanisi kugara muimba yako kwekanguva nekuda kwekurasikirwa kwakafukidzirwa. Zvimwe zvekushandisa mari yekubhadhara zvinhu zvakadai sehotera, kudya, kuchenesa, nezvimwewo. Kurasikirwa-kwe-kushandiswa kwekushandisa kuchabhadhara kusvika 20 muzana yehupfumi hwehupfumi huri humwe humwe humwe hutori hweinishuwarenzi huripo. Inobhadharawo zvakakwana kushandiswa kwemari yemakombiyuta.
Vafambi veInishuwarenzi nemakambani ayo anotsigira ane "A ++" yepamusoro yeA AM Best uye yakagamuchira 4.5 kubva pa5 nyanzvi yepamusoro yekutaridzirwa kwezvibvumirano uye kushandiswa kwevatengi kubva kuJD Power & Associates kugutsikana kwevanhu kugutsikana.