Paunenge uchidzidzira kuchengetedzwa kwechikepe kunobatsira kuchengeta nhamba dzenjodzi pasi, pane nguva dzose mukana unofungidzirwa huchaitika. Maererano neUnited States Guard Guard, muna 2014 maiva nezviitiko zvinopfuura 4 000 zvezvikepe muUnited States zvichiita kuti 610 vafa, kukuvara 2 678 pamwe ne $ 39 mamiriyoni ematambudziko.
Who Needs Boat Insurance
Iwe unogona kunge uri pasi pekufungidzira kuti kana iwe une varidzi vemusha inshuwarisi bhoti rako rinowanzovharwa. Izvi hazvisi nguva dzose. Apo iwe unogona kunge uine kudzivirirwa pasi pevaridzi veimba yako inshuwarisi, kana iwe uchitenderera pane kuparidzirwa kwega woga; iwe unogona kunge uri pasi-inshuwarisi. Kune avo vane mhando itsva kana mabhazi anodhura, chirongwa chezvikepe chakasiyana chinogona kunge chakanaka. Uyewo, kana chikepe chako chiri mune marina, marina angada kuti iwe utarisire hurongwa hwemhenderekedzo yegungwa nemiganhu yakatarwa yemhosva. Chengetedza marina maererano nezvinodiwa zvakananga kune inshuwarisi yemhosva yemukepe.
Haasi muridzi wezvikepe wega wega achave nechido chechikepe chairo / mvura yehupfenyuro yveshuwarisi. Bhobhosi dzinoderera zvakakosha panzvimbo pakarepo nenzira imwechete motokari inotanga kuderedza kukosha pakarepo paunenge uchidzinga kubva pamotokari. Kune avo vane zvikepe zvekare, mari yeinishuwarenzi inogona kupfuura yezvikomborero zvaungagamuchira kana paine kurasikirwa kwakafukidzirwa.
Iwe unogona kukwira inshuwalisi yebhati zvachose kana kuti iwe unogona kutenga mumwe mutasvi wehomwe yako yeimba yehushuwarisi yepisimusi yema inshuwarisi yakaderera kupfuura kutenga chikwata chezvikepe zvakasiyana.
Mutengo
Kazhinji, iwe unogona kutarisira kubhadhara 1 kusvika 2% yezvikepe zvako zvemazuva ano kukosha kwemahombekombe sezvinotarisirwa bhizimisi yeruzhinji. Kufanirwa kwezvikwereti kunoderedza yako inshuwarimi premium. Sezvo ne auto auto inshumo, iyo inodhura yakawanda iyo inoita uye muenzaniso wehukepe rako ndeye, iyo yakakwirira yako bhomba inshuwalisi yepamusoro ichave. Gore idzva gore remitambo richakupawo mari yakawanda kuti uchengetedze. Kune avo vari mhirizhonga-yakawanda, nzvimbo yako yemainishuwarenzi inogona kukudhura iwe. Zvikonzero zvakasiyana-siyana zvinoshandiswa kugadzirisa mari yehuturo yveshuwarisi inosanganisira:
- Bhuku Age
- Kureba kwechikepe
- Speed or Horsepower
- Kukosha kwechikepe
- Mamiriro
- Primary Residence (Unogara uri muchikepe)
- Houseboats
- Tanga (hove chikepe, kushanda chikepe, mukati, kunze, cruiser, utility, nezvimwewo)
- Nzvimbo yekushanda (nzizi, bay, makungwa, gungwa, etc.)
Aina
Sezvo pane zvakawanda zvakasiyana-siyana zvezvikepe / mvuracraft, panewo zvakasiyana-siyana zvakasiyana-siyana zvehutano inshuwarisi inowanikwa. Mamwe emhando idzi anosanganisira:
- Inishuwarenzi yeHull inogadzirisa kukanganisa kune chikepe chako uye chero kukuvadza kwako chikepe chinokonzera imba yevamwe. Izvi zvinosanganisira mari yekugadzirisa zvikepe. Kana kurasikirwa kwakakwana kuchiitika, hull insurance inobhadhara kukosha kwakabvumirana kwechikepe.
- Inishuwarenzi yeChutatu Chekuchengetedza inokonzera kukanganisa chikepe chako chinokonzera imba yevamwe. Ichavharawo chero zvakakanganisika zvakakonzera kukanganisa kwakadaro kunokonzerwa nemafuta ekudonha, kutengesa, mari yekurapa uye chero basa rekuponesa rinodiwa. Marina ako angada kuti iwe utakure mutemo wechitatu wepachikepe.
- Mitemo Yese Inotambudza inowanzovhara chero njodzi ipi zvayo isina kunyatsosarudzwa muhurumende yveshuwarisi yehurumende yakadai sekuparara kwechando, kusviba, kusvibiswa kwemhepo, kukanganisa kwemhepo, kuparara kwemagetsi. Inishuwarenzi yezvechiremba inowanzowanika semutasvi webato.
- Zvechokwadi Cash Value kana Chibvumirano Chako chinoreva chikwata chematokari emitambo uye kana zvichabhadhara mari chaiye yebhasi rako kana chibvumirano chakubvumirana chawakatemwa kana uchitenga mutemo wako. Iko mari chaiyo yekuti mari inogona kukubhadhara zvishoma asi mutemo unobvumirana unozochengetedza mari yaunogona kugamuchira nekuda kwechikepe chako kana kurasikirwa kwese kuchiitika pasinei nekuderera, kunyange mune dzimwe nguva zvirasikirwa zvishoma zvingave zvakaderedzwa.
- Yacht inshuwarheni inobatanidza midziyo 27 'kana yakakura. Sangano rinokosha rinodikanwa nokuti iyi midziyo huru inowanzove yakanyanya kufanana ne "chikepe" chiduku.
- Bhuku reBhuku rinosungira nhengo dzose dzechikwata chechikepe pavanoshandisa mudziyo wekuparara kwepfuma uye mhosva.
- Professional Angler, Hove Guide kana Charter mazano anowanikwa kuti afambe nezvemafambiro uye zvigadziro zvinotarisirwa kuve kutamba.
Inowanika Kurasikirwa
Iwe unogona kukwanisa kubatsira kuderedza mari yehutori bhuwarisi yako kana iwe uchikwanisa kuwana purogiramu iripo. Makambani mazhinji anopa zvikwereti kune vadzidzisi vengarava vane chikwata chekutakura kana kana uri kuchengetedza chikepe chako pasi pechidziro chakafukidzirwa chakadai sechitubu. Iwe unogonawo kukwanisa kubhadharwa kana iwe uine chikepe chako chakaongororwa neCôte Guard Aibatsira. Kushandisa zvese zvinowanikwa zviripo zvichakubatsira kuwana zvakanakisisa pane inshuwarisi .
Apo Ngarava Yenyu Isina Kuvharwa
Zvakakosha kuti vafambisi vezvikepe vayeuke ndeyekuti pane nguva apo bhoti rako risati rakafukidzwa nehovha yako inshuwarisi. Kunyange zvazvo chikepe chako chiri kutenderera kubva pamba pako kuenda kumvura uye chiri kutodzwa nemota yako pachake, motokari yako yehupfumi inotakura chikepe chako. Iwe unogona kunge usina huwandu hwakawanda huri pasi pehurumende yako yemitemo sezvo hurongwa hwebhati yako inopa. Kune dzimwe nguva vatasvi vanogona kuwedzerwa purogiramu yemotokari yekuvhara ngarava nezvimwe zvinhu zvaungashambira nemotokari yako pachako. Uyewo, kana chirongwa chako chezvikepe chichitaura kuti chikepe chako chichachengetwa panguva imwe chete, taura pamusoro pemvura inotonhora mumwedzi weNovember -February uye iwe unotora chikepe kuti uende panzvimbo iyoyo; iwe hauna kuvhara pasi pegwaro rako regwagwa inofanira kuitika njodzi.
Mifungo Yokupedzisira
Kubhururuka inzira inofadza yekuzorodza neshamwari nemhuri. Iwe unogona kuzorora zviri nyore kuziva kuti chikepe chako chakanyatsochengetedzwa. Kana iwe uchiri kunyatsoziva kana iwe uchida bhoti / manhuwarisi yemishonga inshuwarani, taura newaini yeruzhinji inshuwarisi kuti uronga hurongwa kana kuti mumiririri wekambani yeinishuwarenzi inopa bhodhi inshuwarheni. Kana iwe ukasarudza bhorensi yechipuvisi yakakodzera iwe, tora nguva yekutenga uye kuenzanisa mitengo nemakambani ehuturo ehurumende yveshuwarenzi ane simba rinogutsa zvemari kubva kune masangano ehurumende yehushuwarisi akadai AM AM . Nekuenzanidza zvishomanana kutarisa, izvi zvichaita kuti zvive nyore kuwana chinyorwa chakanaka pamutengo wakakwana.