I-8 Best Landlord Imigaqo-nkqubo ye-Intshulamu yokuthenga ngo-2018

01 Eyona ndlela iphezulu yokuKhuselwa kweMali yokuNyuka kwamaxabiso: iNkululeko yokuThathelana

Inkululeko yokuThuthukisa kwaye ine-"A" isilinganiselo semali esivela kwi-AM ephezulu kunye no-2 kwi-JD Power & Associates ukwaneliseka kwamakhasimende. Ikwahlula kakhulu kwiinkonzo zokucubungula izicelo. I-Liberty Mutual inikezela ukukhuselwa kwexabiso lokunyuka kwamaxabiso okwenza ngokuzenzekelayo ulungelelanise imida yakho yomgaqo-nkqubo ukuqhubeka nezinga lokunyuka kwamaxabiso ukuqhubeka kunye neendleko zokwenza ukulungiswa kwipropati yakho.

Ezinye iinketho zokubhengezwa kunye neempawu ze-Landlord Insurance kwi-Liberty Mutual ziquka:

• Uxanduva
• Ubungakanani bexabiso lokuqashisa
• UkuKhuselwa koKhuseleko
• Izaphulelo ze-multi-policy, i-shopper yokuqala (ukuba unayo i-coverage yangoku), ikhaya elitsha / elilungisiwe (iminyaka engama-13 okanye ngaphantsi kwaye isanda kulungiswa)
• Iinketho ezongezelelweyo zomgaqo-nkqubo kunye neenzuzo zokuncedisa iinkonzo eziphuthumayo, uncedo lweemali ezingama-24, ukuthunyelwa kwenethiwekhi yesikontrakthi, ukuhlawula okuguquguqukayo kunye nezinketho zokukhokha.

02 Eyona ngcono kwi-Bundling Policy: Allstate

Zonke i-Allstate sele iseshishino ukususela ngo-1931 kwaye inezinto ezininzi zokufumana iinkonzo, kubandakanywa nokulinganiswa kweenkwenkwezi ezi-4.5 kwinqanaba elingu-5 kwiinkalo zamabango ezivela kwiphando lomthengi olwenziwa yi-Insure.com. I-Allstate Insurance ine-"A + Superior" ukulinganiswa kwemali esuka ku-AM Best. Intlawulo yomshuwalense evela kwi-Allstate inokubambisa kwipakethi kunye neminye yemigaqo-nkqubo emininzi, ikunike isaphulelo esongezelelweyo kwaye inokwandisa inkcazelo yakho.

Inkampani yomshuwalense wase-Allstate iquka:

• Ukukhusela
• Ezinye izakhiwo zokukhusela
• Ukuxhamla
• Ingxelo yokufumana ingeniso efanelekileyo
• Ukumisela ukhuseleko lwezokwelapha
• Ukuxhamla
• Ukugqithiswa kwe-Burglary
• Ipropati yokuqeshiswa phantsi kokwakha
• Ikhowudi yokwakha (ukufakwa kwenkcazo eyongezelelweyo ukuzisa nayiphi na indawo uphuculo lwepropati ukuya kwiimigaqo zendlela yokwakha kuquka ukugcinwa, ukulungiswa okanye ukudilizwa kwesakhiwo).

03 Eyona ngcono kwi-Structures Interface: Ummandla weFama

I-Insurance Farm yase-State, eyisekwe ngo-1922, inika i-inshurensi kulo lonke elase-US kwaye inembali ende yenkxaso yemali (AM Best "A" ilinganiswe) kunye nokugqwesa kwinkonzo yabathengi. Ifama yeSizwe inikezela ngeendlela ezininzi zomgaqo-nkqubo we-inshurensi ye-Landlord kwiirhafu ezifanelekileyo Umgaqo-nkqubo we-inshurensi we-Landlord ngokusebenzisa i-Farm Farm inikezela ngeenkcukacha ezongezelelweyo izakhiwo, kuquka amagaraji, izakhiwo zokugcina, amachibi okubhukuda, izicingo, ukugcina izindonga kunye nezinye izakhiwo.

Olunye umhlaba I-inshurensi yenkxaso-siseko kunye neenkcukacha ezongezelelweyo zomgaqo-nkqubo ovela kwiFama kaRhulumente ziquka:

• Ukwakhiwa kwendawo yokuzibandakanya ebandakanya indawo yokuhlala eyakhelwe kuyo ukugcina isakhiwo / indawo
• Umthwalo jikelele ngokubanzi
• Ukulahleka kwengeniso
• Ukuchithwa kwezixhobo
• Ukuqeshisa iindleko zokubuyisela iindleko (Ukukhupha iindleko zakho zokuhambisa abaqeshi emva kokuba sele befuduka ixesha elifutshane ngenxa yokulahleka)
• Ukutshatyalaliswa kunye nokulahlekelwa kwimeko yomoya
• Idatha yokwehliswa kunye nokubuyiswa kobungqina (ukhuselo xa uba lixhoba lobusela)
• Ummiselo okanye umthetho (iquka iindleko ngenxa yokunyanzeliswa kwemithetho kamasipala okanye amalungiselelo wokwakhiwa / ukulungiswa kwezakhiwo ezilimele ezibangelwa lilahleko eliqinisekisiwe).

04 Eyona ndlela ihamba phambili kumazwe amaninzi: Okuphambili

Okubaluleke kakhulu ilungu leeFama zeInkampani zamaNkxaso-mali kwaye libalwe "Eyona nto ibalulekileyo" ngu-AM Best. Inkampani inikeza inkcazo ekhethekileyo ye-inshurensi yomnini-nkqubo kunye neendlela ezinokukhangela. Isibonelelo somnini-siseko esisisiseko sibandakanya: ukukhutshwa kwepropati ebanzi, ukuxhaswa kweengozi, ukubiza imali, ukulungiswa kwelahleko evunyelweneyo, ukuxabiswa kwemali ekhoyo, ukunyuswa kweendleko kunye nokuxanduva. Ikhetho lokuzikhethela lokuzikhethela libandakanya: ukulahleka kwemali yokuqashisa, umda wemfanelo, ukulimala komntu, ezinye izakhiwo zokukhawulela, iindleko zokulungisa, umonakalo wamanzi okuthuthwa kwamanzi / amanzi.

Eyona nto inika phambili ipolisi ekhethekileyo yabanini-mhlaba abanepropati kwiindawo ezininzi ezibizwa ngokuba yiPlatinum Package.

• U-3K wepropati yakho
• Uvelisa iipesenti ezili-10 zokulahlekelwa kwemali yokurenta
• Umnini wezindlu ukuxhatshazwa kokulimala
• I-300K yeevenkile zengqesho
• Iintlawulo zezonyango ze-$ 1K
• Iindleko zokutshintsha kwindawo yokuhlala
• Ezinye izakhiwo zifikelela kwi-10K okanye iipesenti ezili-10 zokuhlala
• Ukunciphisa ukukhutshwa xa kungenasithuba emva kweentsuku ezingama-90

05 Ilungelelanisa kwi-Units 10 okanye ngaphezulu: i-American Modern

I-American Modern ine-"A +" AM Ulungelelwaniso oluphezulu lwezezimali kwaye luye lushishino ukususela ngo-1965. Inkampani ikhetheke ngokubambisa ubunikazi bomshurensi kwizindlu ezakhiweyo kunye neendawo zokuhlala ezizodwa.

Kungakhathaliseki ukuba ufuna ipolisi eyintloko malunga neendawo zokuqashisa ezincinci kunye neenkcenkcesho okanye ipolisi ekhethekileyo efana neyobahlali bendawo, i-American Modern inezinketho kuwe:

• Umlinganiselo opheleleyo unikwa ikhaya ukuya kuma-80 ubudala (umda ungama-60 kwezinye iindawo) kwaye umgaqo-nkqubo uqinisekisa ukuba isakhiwo seentsapho ezine. Zonke izizathu zokulahlekelwa zihlanganiswe phantsi kwephakheji ebanzi ngaphandle kokuba zingabandakanywa ngokukodwa. Uya kuhlawulwa ngenxa yokulahlekelwa komgaqo-nkqubo kwixabiso lentlawulo yokubuyisela ukufikelela kwimida yomgaqo-nkqubo. Ukuze uvumeleke ukufikelela ngokubanzi, uphahla kufuneka luye lwahlaziywa kwiminyaka engama-20 edlulileyo kwaye ikhaya kufuneka libe lugqityiweyo jikelele okanye imeko engcono.
• Ubungqina be-Flexible bubonelela nge-inshorensi yomninikhaya kumakhaya angenamlinganiselo weminyaka kwisakhiwo ukuya kwisakhiwo seentsapho ezine. Ubungakanani bunikezelwa ukulahlekelwa kubangelwa yimingcipheko egama lombutho, kuquka umlilo, umbane, umoya, isichotho, ukuqhuma kunye nokunye. Ukuze uvumeleke ukufumana ingxelo, ikhaya kufuneka libe kwindawo efanelekileyo okanye engcono.

• Ubungakanani beeyunithi ezili-10 okanye ngaphezulu ziyafumaneka kubatyali bezindlu. Ivumela abatyali-mali ukuba baqinisekise iipropati ezilishumi okanye ngaphezulu zokuqeshisa kwipolisi enye kunye nalezi zikhetho: iindleko zokulungiswa kwimeko engxamisekileyo, umonakalo kwezinye izakhiwo, ukususwa kweemfucuza, inkonzo yesebe yomlilo, ukuwa, amanzi / isikhunta, ukuphucula / ukuguqulwa, ukuchithwa kwempahla, umthi / izihlahla / utshani kunye nokulahlekelwa kwemali yengeniso. Inkcazo yokuzikhethela ibandakanya imvume yesikhashana yerenti, imvume yesikhashana yesikhashana, indawo yemfanelo, impahla yomntu, ukutshatyalaliswa kwempahla, ukutshintshwa kwempahla kunye nokukhawulelana nokukhawuleza. Kukho iindlela zokukhokha eziguquguqukayo zokuthenga ipolisi lula, kuquka i-EZPay, isheke okanye ikhadi lekhredithi. Unokuhlawula i-premium yakho yepolisi ngokupheleleyo okanye ngeentlawulo zentlawulo.

06 Eyona ndlela ihamba phambili kubanikazi beCondo: MetLife

I-MetLife kunye neenkampani zayo ezincedisayo zonke zinokulinganiswa kwamandla angqongqo emali kunye nokunikezela ngokubanzi kwi-US. Kuphakathi kweenkampani zomshuwalense zakudala zase-US, ezisungulwe ngo-1868. I-MetLife inikeza i-Landlord Insurance kwiiyunithi eziqashisayo, izakhiwo ezizimeleyo kunye nepropati yomntu. I-inshurensi yokwakha irenti iyafumaneka kwizakhiwo enye kwiintsapho ezine. Kukho kwakhona umgaqo-nkqubo we-Insurance Landlord yomshuwalense kulabo abanesigodi kunye nokuqeshisa.

Iimpawu zomgaqo-nkqubo kunye nezibonelelo ziquka:

• Ubungakanani bezakhiwo zabucala, kubandakanywa amagaraji, iintsimbi kunye naziphi na izinto ezigcinwe kwisayithi okanye ezisetyenziswe ngabaqeshi
• Ukulahlekelwa kwengeniso yokurenta
• Uxanduva
• Iintlawulo zonyango kwabanye ukuya kwii-1,000 zamawaka (ngaphezulu kwi-premium eyongezelelweyo)
• Iinkonzo zokukhusela iinkcukacha zibandakanya nomgaqo ngamnye

07 Eyona ndlela ilungele amaLungu eMpi: USAA

I-USAA ibonelela ngemisebenzi yamagosa kunye neentsapho zabo ukususela ngowe-1922. Inkampani inokulinganiswa kwamandla angaphezulu kunye nokubonelela nge-inshorensi yomnini-nkonzo ngale ndlela:

• Ingeniso yokutshintshwa
• Iimbopheleleko zemfanelo
• Ubungakanani beempahla ezininzi ukuya kwiiyunithi ezili-10
• I-discount-product discount (gcina kwi-10 ekhulwini kwi-inshurensi yepropati yerenti xa uqinisekisa ikhaya kunye ne-auto)
• Umlilo, ukweba, ukuhlaselwa kwezinto ezimbi

08 I-Best Landlord Ininshurensi yeeNgonyango zonyango lokuzikhethela: I-American Family

Intsapho yase-American Family Insurance ithi "Eyona nto ihambelanisiweyo" echazwe ngu-AM Best kwaye iye yabonwa yi-JD Power & Associates ngokugqwesa ekuphatheni kwamabango. Ifom yefowuni yaseMelika yase-American Family $ 5,000 ngumntu ngamnye, ongaphezulu kwamanye ama-providers.

Umninimshurensi weNkampani yase-American Family iquka inqaku eliyisiseko kunye nokuzikhethela:

• Izakhiwo: izakhiwo ezincedisayo kunye nezakhiwo, ukukhiya kunye nokutshintshwa okuphambili, ukugcina iindonga, ukucima kwendawo yangaphandle kunye nokwandiswa komda wendawo yokwakha
• Iimbopheleleko kunye neendleko zonyango kunye nokuvunyelwa kokukhethwa kwemoto eyaqashiweyo kunye ne-non-owned responsibility (engekho e-Illinois)
• Ingeniso yezoshishino
• Ukukhuselwa kwamanani
• Ukutshatyalaliswa kwendleko
• Iindleko ezongeziweyo zokwakha (Kufika ku-R10 000 ngeendleko ezongezelelweyo ezenzelwe ukuhambelana nokuthotyelwa komthetho)
• Idatha ye-elektroniki
• Ukuphazamiseka kwemisebenzi yekhompyutha
• Amaphepha kunye neirekodi ezifunyenweyo / ezixabisekileyo
• Umngcipheko onokuzikhethela ufumanekayo: iimpawu zangaphandle, ii-antennas, izicingo, ingozi yomakhi (iiyunithi ezakhiwa), umonakalo wonikezelo lwenkonzo (umonakalo obangelwa ukuphazamiseka kwamanzi, unxibelelwano, amandla okanye iinkonzo zokubonelela), ukukhuselwa kwenyikima, ukugcinwa kwamanzi / ukukhupha amanzi