Tsanangudzo: Chaizvoizvo kurasikirwa muhushuwarisi kunoreva kuwanda kwezvinhu zvakananga kana kuti zvisina kukonzerwa nemhosva. Inomiririra mari chaiyo mari kana mari inoshandiswa nekuda kwekutsvaga uye inoita mubhadharo wese wekambani yeinishuwarenzi ichaita kuti kurasikirwa kose, kuburikidza neshoko remitemo.
Zvechokwadi Kurasikirwa mu inshuwarisi kunogona kureva:
1. Zvinhu zvose zvinokonzerwa nemhosva inobhadharwa nekambani yeinishuwarenzi yakawanikwa mukurasikirwa kwokupedzisira kugadzirisa
2. yako chaiyo yakawedzera mari kana kurasikirwa kwemari pamusana pemhosva
Zvechokwadi kurasikirwa ndeye Mvumo Yese yekubhadharwa Kubhadharwa Kwekukosha Kwechokwadi Chakukuvadza
Kurasikirwa kwechokwadi ndeyekuti iyo mumiririri wako wehushuwarisi kana kuti mutongi anokwanisa kushandiswa paanotaura nezvekuti mari yakabhadhara sei nekambani ye inshuwarisi nokuda kwekukuvadza kwakakonzerwa neimba yako nehupfumi hwehupfumi mukutora, hazvirevi kureva mari iyo iyo yaakaisirwa iye pachake iyo yakagamuchirwa zvakananga.
Ndezvipi zvinosanganiswa muHasipo Loss Zvatsigirwa?
Kurasikirwa chaiye kunowanzozivikanwa chete kana kubvunzwa kwave kuri kuongororwa zvizere uye kuvhara. Ichabatanidza zviyero zvose zvine chokuita nekutaura kusanganisira mari yekugadziriswa, kuwedzera mari yekugara, kusvibiswa kubviswa, kuchengetwa kwezvinhu (kana zvichibvira), mari yevatengesi kana vamwe vadzidzisi. Apa ndipo pane dzimwe nguva vanhu vanovhiringidzika nehuwandu hwekurasikirwa kwemari.
Muenzaniso weZvirokwazvo Kurasi muChirevo
Kurasikirwa kwechokwadi kunogona kuvhiringidza.
Iwe unogona kugamuchira mvumo yekuda mari ye $ 20,000 asi izvi zvingasava kurasikirwa chaiyo nokuti iyo cheki inogona kungovhara chikamu chekuda kuti iwe waida mubhadharo,, mamwe mapato akawanda angave akashanda paimba yako uye akawana mvumo kubva kune inshurensi zvakananga . Izvi zviyero zvose zvinowira muhuwandu hwekurasikirwa chaiyo.
Anishuwarenzi inogona kuwana $ 20,000, asi mushure mokunge mari yose inobatanidzwa nemhosva yacho inotariswa, kurasikirwa chaiyo kungave $ 63,300. Ona muenzaniso mutafura iri pasi apa.
Zvechokwadi kurasikirwa Kwemari Zvinokonzerwa Nemari
Chaizvoizvo kurasikirwa kunodhura mari inoshandiswa panguva yekutsvaga iyo mari iyo mari yako yawedzera kubva pane zvingava zviripo.
Somuenzaniso kana iwe zvino unofambisa makiromita makumi maviri kuti uite basa zuva roga roga iwe uchigara pane imwe kero apo iwe wakamirira kuti imba yako ivakwezve, zvino kurasikirwa chaiye ndiko kuwandisa kwemhepo yauri kushandisa ikozvino, zvishoma kudarika gesi iwe waiwanzobhadhara usati wataura. Kwete iyo yose yaunenge uchishandisa uchifambisa makiromita makumi maviri kuti uende. Kurasikirwa kwechokwadi ndiko mutsauko, kana kuwedzera mumutengo nekuda kwekutsvaga.
Mienzaniso Yezvakaitika Kurasi muInishuwarenzi Mhosva
Muenzaniso weNhamba Unofanira Kubhadharwa Kwako Kubva pane Chaizvo Chirasi:
Mukutaura kukuru, mamwe masangano anogona kuiswa kugadzirisa mari yekugadzirisa, semuenzaniso, kunyange zvakadaro mari iyo ichabhadharwa mukutora haizopfuuri kupererwa kwekukosha kweiyo. Kana zvikwangwani zvaive zvakakwirira, iyo chaiyo mari inenge iri pad uye kwete maitiro. Kamwe kubvunzwa kwapera, kurasikirwa chaiyo kunoverengwa uye kunogadziriswa kuitira kuti ive yekupedzisira kubhadhara.
Iko kurasikirwa kwekuita izwi kunoshandiswawo kusiyanisa chikamu chemari inowanikwa zvakananga kubva pakutsvaga, uye naizvozvo yakafukidzirwa, kana kuti iyo yose mari kana kuti kukosha kunotarwa nomunhu ari kurasikirwa. Ichazongobata izvo zvakange zvakarasika, uye kwete mari yose kana pane musiyano.
Muenzaniso wekuti Ungaratidza Sei Kurasikirwa Kwechokwadi Kunotsigirwa mune Semuenzaniso Kuparara Kwemvura Kutaura
| Tsanangudzo | Yakarongwa | Actual |
|---|---|---|
| Kugadziriswa kwekugara uye nzvimbo yekugara | $ 42,000 | $ 35,000 |
| Kudzokorora Zviri Mukati | $ 15,000 | $ 20,000 |
| Zvimwe Zvimwe Zvimwe Zvokudhura * | $ 400 | $ 300 * ona muenzaniso uri pasi apa |
| Dhiyabhorosi Kubviswa | $ 1500 | |
| Kuchengetedza Samani panguva yekurasikirwa | $ 1000 | |
| Kuchenesa kwemvura yakakonzerwa nezvinhu | $ 5500 | |
| Zvose Zvakakwana Kurasikirwa | $ 63,300 |
Muchirevo chiri pamusoro apa, kurasikirwa kunoratidzika kuri $ 67,400, asi kuraswa kwechokwadi kuri $ 63,300
Ndeipi Iko Kuwanda Kwezvikwereti muZvirokwazvo Kurasi Kwakatsigirwa Kubva?
Kushandisa muenzaniso uri pamusoro apa, kunyange zvazvo bhizinesi iri kudai risina kubhadharwa mari yekunatswa kwezvinhu zviri mukati, kana kuti kusvibiswa kunobviswa zvakananga, uye zvichida hakuna kumboziva mari inobatanidzwa, mari iyi yakabhadharwa nokuda kwavo uye naizvozvo inofanira kunge yakabatanidzwa mukurasikirwa chaiyo.
Uku ndiko kurasikirwa kwechokwadi kunotsigirwa mune kudai.
Muenzaniso weChiri Kurasikirwa Muhupenyu Hwokuwedzera Mari Dheyo yeMuiti weimba
Mary naJoe vanorasikirwa nedzimwe shingles kubva padenga remba panguva yemhepo ine simba, zvichiita kuti mvura inotanga kupinda mumba mavo uye havagone kugara muimba iyo yekugadziridza kuri kuitwa muimba yavo yekurara uye panzira. Zvimwe zvekushandisa mari yekugara kune avo vanoita zveimba yavo vanovadzivirira kuti vaende uye vanowedzera mari yekugara muhotera kwevhiki imwechete apo basa riri kuitwa pamba pavo. Apo pavanotumira mari yavo yekubhadhara mari, apo mari yakazara yehotera iri yakavharwa, vanoshamiswa kuziva kuti 75% chete yemari iyo iri kubhadharwa nekuda kwezvokudya zvavakadya panguva yekudya.
Iyo inishuwarensi yakagadzirisa inotsanangura kuti yavo inowanzopedza pazvokudya inofanira kuongororwa mune mari. Semuenzaniso, vanowanzopedza madhora zana pavhiki pane zvekudya, asi nokuti vari kugara muhotera vanopedza kushandisa madhora mazana mana, havangatori mari yakazara ye $ 400, vachawana kurasikirwa kwechokwadi. Kurasikirwa kwechokwadi ndiko kusiyana pakati pemari inowanzoshandiswa inoshandisa, uye mari yavakashandisa kuwedzera kune iyo nekuda kwekudaidzira. Uku ndiko kurasikirwa chaiyo. Munyaya iyi ingadai iri $ 300 uye kwete $ 400.
Muenzaniso wekufa Kwekubhadharwa Kwekubhadhara Kwekurasikirwa Kwekuwana
Pakupedzisira, kunewo mukana wekugamuchira mari yekurasikirwa chaiyo nekuda kwekurasikirwa kwemari inowirirana neye inshuwalense kudai. Ichi ndicho chimwe chezvinhu zvinotaurwa nevanhu havasi kufunga nguva dzose. Heano muenzaniso wekurashikirwa kwekurasikirwa kwekuwana mari: Kambani yeInishuwarenzi inoda kuti iwe uripo kumatare kuitira kuti ugadzirise kuda kwako. Vanoda kubhadhara mari yako yekuita kuti kuve nekuonekwa kunosanganisira kurasikirwa kwekuwana mari. Washandi wako anokuudza kuti usafunganya nezvazvo uye kuti zuva racho ribhadharwe. Kunyange zvazvo nguva yako yakakosha, kana iwe usiri kutambura kurasikirwa kwekuwana mari, iwe haugoni kubhadharwa. Kana zvakadaro iwe waunoshandira asingakubhadhari iwe zuva, uye naizvozvo iwe unorasikirwa nemazuva mashoma mubhadharo, ipapo kurasikirwa chaiye ikoizvo zuva rekubhadhara uye inshuwarisi yako inobvumirana kukubhadhara iwe kurasikirwa kwako kwechokwadi.