Kubalulekile ukuqinisekisa ukuba ukhusela ipropati yakho
Akukona nje i-inshorensi ebaluleke kakhulu ukukhusela izinto zakho ezixabisekileyo, kodwa kuyimfuneko kwiindawo ezininzi zendawo zanamhlanje. Inkolelo engafanelekanga yokuba i-inshurensi yomnini-mboleki ifaka impahla yakho. Oku ku buxoki. I-inshorensi yomnini-mhlaba ihlanganisa kuphela isakhiwo somzimba kodwa akukho nendawo yomnini-mpahla.
Umgaqo-nkqubo we-inshorensi yomnini-mboleko uhlanganisa isiqulatho sakho ngelixa uhlala kwindawo eqashiweyo ngokubhekiselele kwilahleko ezibangelwa uluhlu olubhekiselele kwiingozi ezinjengomlilo, ukweba, iziphepho okanye ezinye iintlekele zemvelo. Unako ukongeza ukuxhaswa ngokuvuma / ukugibela izinto ezifana nezinto ezixabisekileyo, ukukhusela ulwaphulo-mali okanye ukunyuka kweemali zokuhlala ezifunekayo kufuneka uhambe ngaphandle kwendlu yakho ukuze ulungiswe ngenxa yokulahleka. Kananjalo unesiqinisekiso soxanduva lokugubungela izingozi ezingenzeka nakweyiphi na into ehambela indlu yakho njenge-slide kunye nokuwa. Umshurensi ngamnye uya kuba nemida eyahlukileyo yokunikezela kunye nemigaqo-nkqubo ekhoyo.
Xa ukhetha indawo yokuthenga i-inshurensi yomnini-renter, kukho izinto ezininzi zokuqwalasela, kubandakanywa intengo, iminikelo yomgaqo-nkqubo, amandla emali, inkonzo yamakhasimende kunye nokunye. Ezi nkampani ze-inshorensi ezilandelayo zilinganiswa kakhulu yi-JD Power & Associates, AM Best, i-Insure.com I-Award's Choice Awards, iiNgxelo zeBathengi, iBusiness Business Bureau kunye neminye imibutho yokulinganisa kwaye ziphakathi kwezinto ezikhethileyo ze-inshurensi yomnini-mboleko kwi-marketplace market.
01 Ukuneliseka koMthengi ngokubanzi: Erie Insurance
Abathengi baka-Erie bathanda inkampani ngezizathu ezininzi; Amanani alungileyo, ukwaneliseka kwamakhasimende kunye neenkonzo ezifanelekileyo zamabango. I-Erie Insurance yayinguNombolo 1 ebeka inkampani yenkampani yomshuwalense ye-renter kwiSifundo se-Intshurensi yasekhaya ye-JD Power kunye neenkwenkwezi ezi-5 eziphuma kwi-5-star rating-circle rating kunye ne "A +" AM. U-Erie Insurance uhlala kwiPennsylvania. Umgangatho unikezelwa kumazwe angama-12 kunye ne-Washington, DC
Umgaqo-nkqubo we-inshurensi wokuqashisa u-Erie unikeza iindleko zokutshintshwa eziqinisekisiweyo zepropati yomntu kunye nolwazi olongezelelweyo olufumanekayo ukufumana ulwazi kunye nezinto ezixabisekileyo. U-Erie unikezela isaphulelo samanani amaninzi ukuya kuma-30 ekhulwini (esi saphulelo singaba ngama-14 ukuya kuma-30 ekhulwini). Ukuba usunayo i-inshuwalense yemoto kunye no-Erie, kuyaqondakala ukuba ubone ukuba unokuyigcina ngokufumana i-inshurensi yokucaphula. Umgaqo-nkqubo we-inshurensi ka-Erie uza kutshintsha indawo yakho (ithelevishini, ifenitshala, i-electronics, njl.), Hlawulela iindleko zokuphila ezongezelelweyo ukuba kufuneka uhlale kwenye indawo ngelixa indlu yakho ilungiswa ngokukhawuleza kunye noxanduva kwabanye abantu okanye propati xa u tyelela ikhaya lakho.
02 Iindawo ezona zihamba phambili zikhonza: Iifama zaseburhulumenteni
Iifama yeSizwe inika i-inshurensi yengeniso kwinqanaba elingaphansi kwamaxabiso e-premium kubaninzi bamagosa kunye nabathengi (kukho ezininzi izaphulelo ezifumanekayo kwaye unokufumana ukuhanjiswa kuyo yonke indawo yommandla wase-US). Ifama yeSizwe inegama elidumile kwi shishini lomshuwalense. I-"A ++" isilinganiselo semali se-AM e-Best kwaye sinamaphulo amankonzo amaninzi avela kwi-JD Amandla (indawo yesithathu kwi-JD Power US Home Insurance Study), i-Insure.com kunye neminye imibutho yokulinganisa.
Umgaqo-nkqubo we-inshurensi yomnini-mafama kaRhulumente weeFesti unikezela ngeendleko zokubuyisela ngokupheleleyo kwaye unikezela isaphulelo esikhethekileyo seenkqubo zokubeka esweni. Umgaqo-nkqubo uphinde uphawule i-elektroniki ukuya kwii-5000 zama-dollar ukuya kwi-1,500 ye-propati yepropati egcinwe kwigumbi lakho. Kukho nezinye iindlela ezikhethiweyo zokufumana iinkcazo ezifumanekayo ukongeza kwiinkqubo ezisisiseko zokuqeshisa umgaqo-nkqubo ezifana nokukhutshwa kwamanzi.
03 Izaphulelo ezilungileyo kakhulu
Abathengi be-Allstate bathanda zonke iindlela zokunciphisa eziza nomgaqo-nkqubo we-inshurensi yomnini-renter, kubandakanywa isaphulelo samanani amaninzi, isaphulelo sasekhaya esikhuselekileyo, isicwangciso sokuhlawula lula, 55 kunye nesaphulelo sokuthatha umhlalaphantsi kunye nezaphulelo zentlawulo-free. Isaphulelo-samahhala esingahlawulwanga ngamabango siya kuhlawula isaphulelo sokufikelela kuma-20 ekhulwini kwi-premium yakho ye-inshurensi yokuqasha
Kukho uluhlu olubanzi lweenketho zomgaqo-nkqubo, kubandakanya ukukhutshwa kwe-dollar yakho eyigugu njengezinto zokugqoka kunye neenkcukacha zokugcina amanzi / ukugcinwa kwamanzi. I-Allstate yayiseenkampani ze-inshurensi eziphezulu ezili-10 kwi-JD Power yase-US Home Insurance Study.
04 Ilungelelaniso ngeendleko: I-American Family
Ama-American Family Insurance amanqaku aphakamileyo kwindawo yokugcina indleko kubanikazi abaneeprayimari ezingaphantsi. Into ebalulekileyo ngephorensi yomshuwalense we-renter kunye nosapho lwaseMerika kukuba awuyikushiya intengo ngokutshintshisiswa kwintlawulo ye-inshurensi engabizi.
Amanyathelo amaninzi omgaqo-nkqubo womnini-ntanethi waseMerika akabandakanyi umda welidoli we-electronics kunye ne-coverage yezibhamu. Unenkcazo yokukhutshwa kwee-debris kunye nomonakalo wesikhunta kunye nokukhuselwa kobusela bezazisi. Intsapho yaseNtshonalanga yaseMerika ine-"A" isilinganiselo esomeleleyo sezimali esivela kwi-AM Best kwaye samkela isilinganiselo esiphambili sesi-2 (iinqwelo ezine kwi-5) ukusuka kwi-JD Power & Associates.
I-Best Best for Service Claims: Inkululeko yokuBambisana
I-Freedom Mutual ayikwazi ukunikezela ngenqubomgomo yomshuwalense oncinci kakhulu kodwa inkonzo yayo yamabango iphakathi kweyona nto ibalulekileyo kumashishini. Enyanisweni, inkampani iyaziwa ngokunikezela ngokukhawuleza kwiindawo eziphakamileyo zemimango apho abanye abaqinisekisayo abanako. Unako ukufaka ibango kwi-intanethi okanye ngefowuni 24/7 kwaye ulawulwe i-akhawunti yakho kwi-intanethi. I-Insertion Mutual Insurance ine-"A" isilinganiselo esihle kakhulu kwi-AM Best, kunye ne-"A" ukusuka kwiBusiness Business Bureau. I-Liberty Mutual ithole inqanaba le-4 kwi-5-star rating yokucubungulwa kwamabango evela kwi-JD Power & Associates yophando lwenkcazo yenkxaso.
Umgaqo-nkqubo we-inshurensi yomnini-mboleko ovela kwi-Liberty Mutual unikezela ngokubhengezwa kwepropati yakho ngokuchasa okanye umonakalo wakho wokuqukethwe ngaphakathi kwipropati okanye imoto yakho, uxanduva lokukhusela ukuba omnye umntu ulimaze okanye ipropati yakhe yonakaliswe ngelixa uhambele ikhaya lakho kunye neenkcukacha ezongezelelweyo kwiikhomputha zasekhaya nakwii-smartphone . Kukho ukhetho lokufaka ukukhutshwa kwazo zonke izinto zakho zobungcweti phantsi komda omnye womgaqo-nkqubo. Ungasindisa kwinkqubo yomnini-ntanethi ngokubamba i-renter kunye ne-auto. Kukho kwakhona isaphulelo se-free-free if you have not filed a claim for five years or more.
06 Eyona ndlela yokulungelelanisa iPolisi yakho: abalimi
Inkonzo yomshuwalense yeRharener ayikho enye ifayile ifana nayo yonke into, ngakumbi xa ifika kwi-deductible. Le yimali ofuneka uyihlawule ibango ngaphambi kokuba inkampani yomshuwalense ihlawule intsalela. Abaninzi bango-inshurensi kuphela banikela ukhetho olulodwa okanye ezimbini olukhethiweyo kodwa kunye namafama ase-Intshuwalense ongakhetha kuzo kwiinqununu ezincinci; unokwenyuka okungafaniyo nokweba, umoya / isichotho okanye ezinye iindawo kunokudityaniswa ngokubanzi. Oku kukuvumela ukuba ufumane ukugqithisa ngakumbi kwaye ukhokhe imali encinci kumabango apho ungase ube yingozi enkulu yokulahleka.
Unokufumana ukufumana okongeziweyo izinto ezinokuzithengisa njengezinto zokugqoka, iikhomputha okanye i-electronics; kunye nenketho yokuthengiswa kweendleko zendleko, oku kuthetha ukuba inkampani yomshuwalense iya kuhlawula ukubuyisela ipropati eyonakalisiweyo kunye nezinto ezifanayo kunye nomgangatho ngaphandle kokuncitshiswa kwexabiso lokunciphisa.
Iifama ze-Intshurensi zibalwe "A" zigqwesileyo ngu-AM Best kwaye zifumene umvuzo weenkonzo zabathengi kwii-Award of People's Choice Awards. Abafama be-Intshurensi nabo bafumana ukulinganisa kweenkwenkwezi ezi-4.5 kwinqanaba elingu-5 kwiindawo zokuxabisa kwintengo, ukucubungulwa kwamabango kunye nenkonzo yabathengi.
07 Eyona ngcono kwiiNketho zoKongeza ezongezelelweyo: Ehlabathini lonke
Izinketho zokufumana i-inshorensi yomhlaba wonke zifumanekayo ukuba zibonelele ukulimala komzimba okanye umonakalo wendawo kwabanye (ukuxhaswa komgaqo-nkqubo we-umbrella eyongezelelweyo kuyafumaneka kwakhona okuza kudibanisa ukukhuselwa komthwalo kwipolisi yakho), ukugcinwa kwamanzi, ukukhawulwa kwamakhadi okuthenga ngetyala (uhlawula ukungagunyaziswanga ukuthengiselana kumakhadi wakho okuthenga ngetyala / ukukhawuleza ukuya kumda ochaziweyo), ukukhawulelwa kwezibhamu, ukuthengwa kwezinto eziphezulu (iikhomputha, iigrafti, i-electronics, njl.), ukukhutshwa kwe-umbrella, ukuthengwa kwekhadi lesikweletu, kunye nokukhuselwa kwebabi kude ekhaya. Umgaqo-nkqubo we-inshorensi kazwelonke we-renter unikezela "izinto ezintsha ze-brand", nto leyo ebeka endaweni yazo nayiphi na into elahlekileyo esuka kwimeko engcolileyo enezinto ezintsha.
I-inshurensi yomhlaba wonke igama eliyaziwayo nelithembayo kwi-inshurensi. Inkampani ine "A +" I-AM ephezulu Isilinganiselo esiphezulu kwaye yafumana i-3 kwi-5-star rating kwi-JD Power and Associates.
I-Intshurensi ye-Best Best yomshuwalense kwiNgxelo yokuThengiswa kweNdleko yoLuntu oluNgezelelweyo: Abahambi
Inkonzo yomshuwalense weRharener inikezelwa ngabakwa-Travelers Insurance Inkampani inikeza enye yezona zindleko zokuphila ezongezelelekileyo kwiimarike ukuba awukwazi ukuhlala kwindlu yakho ixesha ngenxa yokulahleka. Iindleko zokuhlala ezongezelelweyo ukuhlawula izinto ezifana neehotele, ukutya, ukuhlamba impahla, njl. Ukulahleka-kokusetyenziswa kwe-coverage kuza kuhlawula ukuya kuma-20 ekhulwini kwipropati yomntu eyimpahla eyongezelelekileyo engaphezulu kweminye yemigaqo-nkqubo ye-inshorensi yezindlu. Ihlawula kwakhona iindleko ezipheleleyo zokubuyisela iikhomputha.
Iinkampani zeeNkampani zeIntshurensi kunye neenkampani zayo ezincedisayo zinomlinganiselo ophezulu we-A ++ kunye no-AM Best kwaye ufumene ukulinganiswa kweenkwenkwezi ezi-4.5 kwinqanaba elilodwa lokucubungulwa kwamabango kunye neenkonzo zamakhasimende kwi-JD Power & Associates.