Indlela Yokugcina Imali Kwipolisi Yomshuwalense Wakho Weninindlu
Ukuthenga i-inshurensi yomninikhaya ngumnye walabo bahlala kwikhaya ekuthengeni iinkcukacha ngezinye iinkcukacha ezilawulayo ukuba zidibanise nangona ziqhekeko. Akuqhelekanga kumagosa e-inshorensi ukufumana iifowuni zokugqibela zeefowuni ze-frantic ezivela kwisihloko kunye / okanye iinkampani ezixhamlayo ezicela i-inshurensi yekhaya. Ukuze uzigcinele ingxaki, ingcamango enhle ukuqala ukuthenga umgaqo-nkqubo womnini wendawo ngokukhawuleza xa isipho sakho sokuthenga samukelwe.
Nazi izicwangciso ezimbalwa malunga nokuthenga i-inshorensi yomnini-ekhaya eyenzelwe ukukulondoloza ixesha nemali:
Qinisekisa ukungaqiniseki
Igosa lakho le-inshorensi lifuna ulwazi olubanzi kuwe ukucaphula umlinganiselo ongcono kumgaqo-nkqubo wakho. Ukuqinisekisa ukungaqiniseki, i-arhente iya kubuza:
- Yakha nini ikhaya?
- Uneminyaka emininzi yokupaka kunye nombane?
- Luhlobo luni lophahla?
- Iyiphi imifanekiso yesikwere?
- Zingaphi iimangalo ezifakwe kule minyaka emi-5 edlulileyo?
- Uphi ikhaya?
Ukuba ikhaya lisezindaweni ezisemaphandleni ngaphandle kwesebe lomlilo elisondeleyo okanye akukho mlilo womlilo kwisitalato, ezinye iinkampani zinokungafuni ukuziqinisekisa. Kwimeko enjalo, unokwenza ubuze kwi-specialty okanye kwi-line-lines-lines, kwaye le ngqungquthela izakuthatha ixesha elide ukufumana.
Deductibles
Unako ukugcina imali ngokuthi ube ne-deductible ephezulu kumgaqo-nkqubo wakho. Ngokuqhelekileyo, iinkampani ze-inshorensi ziya kuqala ukunika izaphulelo kwi-$ 500 echithwayo kwaye ukwandise isaphulelo njengoko ukwanda kwakho kwenyuka.
Uninzi iinkampani zinikela iidroxbles ukuya kwi-$ 10,000. Qaphela, nangona kunjalo, kuba iinkampani ezininzi zokuthenga imali aziyi kukuvumela ukuba udlule imali engama-dollar ayi-1 000, ngoko jonga umboleki wakho ngaphambi kokuba ukhethe i-deductible ephezulu.
Unokufumana Unomshuwalense Kangakanani?
Uninzi lwamagosa zisebenzisa i-estimator cost cost to estimate.
Oku kuya kuqinisekisa ukuba ikhaya lakho liqinisekisiwe ngemali echanekileyo. Iinkampani ze-inshurensi aziqinisekisi ukungcola. Ukuba uthengela ikhaya elibandakanya ininzi eninzi, ungamangali xa ufumana ipolisi yenkampani ye-inshorensi yinto encinane kunezinto ozihlawulele ekhaya. Oku kungenxa yokuba uthengela ukukhutshwa kwekhaya kwaye kungekhona umhlaba.
Kwixesha elidlulileyo, i-coverage yokuguqulwa yayibizwa ngokuba yiNkcitho yokuTshintsho eqinisekisiwe . Akukho nkonzo enjalo. Namhlanje yiNdawo yokuThuthwa kweNdleko, oku kuthetha ukuba inkampani nganye ye-inshorensi ibonisa ipesenteji yokubhengezwa okongeziweyo ngaphezulu kwexabiso eliqinisekisiwe. Le nto yenzelwe ukukhusela umninikhaya oye walahlekelwa yilahleko ukuba ahlawule iindleko zokwakha ezongezelelweyo zokuvuselela. Inokubangela ukuba iindleko ezongezelelweyo zokwakha ngenxa yokunyuka kwamaxabiso okanye ngenxa yokuba amaxabiso okwenyama ayanda. Ngokomzekelo, ukuba i-coverage yokuhlala i-insured $ 300,000, kwaye inkampani ine-125% yokuthengiswa kweendleko zokubuyisela indawo, umninikhaya uza kufumana i-$ 75,000 eyongezelelweyo.
Ndiyincoma i-200% yokubuyisela indleko, eyinika abanikazi bezindlu ngokuphindwe kabini.
Izinketho zePolisi
Unokunye ukhetho kwi-inshurensi yakho yasekhaya eyinakho ukuyenza. Ukukhutshwa kwemfanelo kuyingxenye yomgaqo -nkqubo we-inshorensi yomnini-propati odla ngokungaqhelekanga.
Oku kukhusela ama-insured kumabango avela ngenxa yokulimala komzimba kunye nomonakalo wepropati kwabanye. Umzekelo, ukuba uneminyaka emihlanu ubudala edlala ukudlala kunye nomdlalo wommelwane wakho ngomlilo, i-coverage yakho yemfanelo iya kuhlawula loo monakalo. Unokufuneka uhambe ngaphandle kommandla, kodwa umgaqo-nkqubo wakho womshuwalense uza kuhlawula ummelwane wakho.
Kuqhelekile ukubona i-$ 300,000 kwi-coupon for responsibility, kodwa iindleko zokuyiphakamisa kwi-$ 500,000 ingama-$ 20 ngaphezulu ngonyaka. Unokufumana ukufikelela kwimivuzo yezigidi eziliqela kwimigaqo-nkqubo. Ngaphezulu koko, udinga umgaqo-nkqubo wokunyaniseka okanye umgaqo-"umbrella" nkqubo. Imigaqo-nkqubo ye-Umbrella ikunikezela ngee-$ 1,000,000 zokubambisa inzuzo ye-premium ye-$ 300 ukuya kwi-$ 500.
Izaphulelo ezifumanekayo
Qinisekisa ukuba ufumana zonke iikhredithi ezifanelekileyo. Ukuba unenkqubo ye-alamu ebika kwiziko lesikhulu (inkampani efana ne-Brinks okanye i-ADT), kwezinye iimeko, unokunyuka ukuya kwi-10% isaphulelo.
Ukuba uneminyaka engaphezulu kwama-50 kwaye uyakukhathalela ukuyivuma, unokufumana isaphulelo. Iinkampani zinamagama ahlukeneyo kwimigaqo-nkqubo yokukhetha ubudala, ukusuka kwi-discount discount ukuya kumaphumo okuphuhlisa umgaqo-nkqubo.
Isaphulelo esiqhelekileyo sisaphulelo somgaqo-nkqubo. Oku kuya kukugcina imali kwikhaya lakho kunye ne- inshurensi yomshuwalense . Ngokudibanisa iipolisi ezimbini kunye nenkampani enye, unikezelwa ipesenti ezithile kwi-both. Ipesenti izaphulelo ziyahluka phakathi kweenkampani, ngoko kukulungele ukuthenga ngeenxa zonke.
Hlola iipolisi zakho
Shayela i-arhente yakho kwaye ubuyekeze umgaqo-nkqubo wakho womnini ubuncinane kwiminyaka emithathu. Izidingo zenguqu, utshintsho lweemarike kunye neenguqulelo zenguqu. Kufuneka uhlale usesikhathini kwi-inshurensi yakho ngenxa yokuba awukwazi ukuba uza kuyidinga nini.
UScott Purves nguNobhala we-Intanethi ye-Purves Insurance, umnxusa kunye nomthengisi othandekayo waseLyon Real Estate.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.