Yintoni iNgxowa-mboleko okanye iNgxowa-mali?
Ubunini bempahla yomntu siqukezela izinto onazo ekhaya. Okuqulathwe kwindlu yakho zenziwe zonke izinto ezahlukeneyo ozibekayo ekhaya lakho.
Izinto zakho zivela kwiingubo zakho, kwikhompyutha yakho, iqoqo, ijee zakho ezithandayo kunye neendwanguzo, kuzo zonke izinto ekhishini lakho, indlu yokulala kunye negumbi lokuhlala. Okubalulekileyo into ehambayo ingaqwalaselwa njengento equlethwe.
Uyakhumbula xa uhambele? Ewe, yonke into oyilethe ekhaya lakho ngelo xesha yinto omele uyiqwalasele njengenxalenye.
Unokufumana njani i-inshurensi yeziqulatho zakho okanye iziqu zakho zobuqu?
Kukho iindlela ezintathu zokufumana i-inshorensi yakho yokuqulatha okanye izinto zakho.
- Intshurensi yasekhaya
- I-Condo okanye i-Coop Insurance
- Abanini bemali yomshuwalense
Iintlobo zontathu ze-inshorensi zingentla zibonelela ngempahla yezinto ezizezakho, iindleko zokuphila ezongezelelweyo kunye nezoxanduva .
Uninzi lwabantu bafumana i-inshurensi yasekhaya ngenxa yokufunwa kwemali yabo, kodwa kukho iingxelo ezininzi ezibandakanya umgaqo-nkqubo wakho womshuwalense kunokuba ungayiqonda, kwaye ngexesha elifanayo yonke imigaqo ineemida ezikhethekileyo kunye nezizathu ezenza ukuba ukwazi ukuba ungokoqobo kangakanani .
Ngaba Ufuna Intshuwalense Yepropati Yomntu?
Mhlawumbi sichitha imali eninzi kwizinto ezisemakhaya ethu kunokuba sicinga. Njengoko siqala ukwenza ukuthenga okukhulu, kudla ngokuba ngoko siqala ukuzibuza ukuba siyayifuna inshurensi yethu, okanye ukuba sinayo. Kule nqaku, sihlolisisa imibuzo esoloko ibuzwa malunga nokufaka izinto zokuqinisekisa, kunye nokuba iziqulatho ziqinisekisiwe kwizinto ezihlukeneyo, abantu kunye neemeko zokukunceda ukuba ufumane i-inshurensi elungileyo kwimeko yakho.
Ngaba abahlala kunye nabo baqhotyoshelwe ngeeNkcazo zakho zePropati?
Kungenzeka ukuba abahlobo abahle okanye ohlala nabo bahlala ndawonye kwindawo apho umntu oyedwa kuphela enomgaqo-inshorensi. Kubalulekile ukuba uqaphele ukuba abahlali abahlala nabo abagqitywa ngumgaqo-inshorensi ngaphandle kokuba baqeshwe kuyo. Ngoko ke, ukuba umhlobo wakho unendlu kwaye uhlala kuyo, kwaye awunalo igama eliqinisekisiwe kwi-inshurensi yomgaqo-nkqubo we-inshurensi kwizinto zakho zobuqu ke awufihlakele izinto zakho. Uya kufuna umgaqo-nkqubo wakho womnini-mboleko ukukugubungela okanye ucele ukuba ungeze kwipolisi yabo njengegama eliqinisekisiwe.
Ngaba Amalungu omndeni afihliweyo kwiZiqulatho okanye i-Personal Belongings Insurance?
Amalungu entsapho awafani nalabo ahlala nabo. Inkcazo ye-inshorensi kwinqubomgomo yomshuwalense ibandakanya abaxhomekeke kuyo, njengabantwana. Kwakhona kubandakanya iqabane lomntu ogunyazisiweyo. Ukuba awuqinisekanga ukuba ilungu lentsapho lifakwe kwincazelo ye-insured kwipolisi yakho, ke ukubethelwa kwakho kukugqithisa kukuqhagamshelana nenkampani yomshuwalense kwaye ubuze. I-arhente yakho okanye umthengisi uya kukwazi ukuhamba phezu kweemeko ezithile kwaye uncede uqiniseke ukuba unesiqinisekiso ofunayo.
Ngaba Iinjongo Zakho Zabavakashi Zihlanganisiwe Kwi-Intshurensi yakho?
Nangona ipropati yomuntu ohlala naye ingayi kuhlanganiswa kwimixholo yakho, irenti okanye umgaqo-nkqubo we-inshurensi yasekhaya, impahla yakho yabanye ngexesha loxanduva lwakho lugutyungelwe.
Indlela elula yokuyiqonda Yintoni efunyenweyo kwi-Intshurensi
Cinga ukuba iziqulatho zakho okanye iimpahla zakho ziquka yonke into oyifakile ekhaya lakho. Yonke into oyenayo xa ihlala yakho okanye kwindawo yokuhlala, nokuba uhlala okwethutyana ekhaya, kufana neholide.
Iziqulatho ezihlanganisiweyo xa zihamba?
Zininzi izihlandlo siqala ukuzibuza malunga noko kuya kwenzeka ntoni xa izinto zethu zomntu zonakaliswe okanye zibiwe xa sinehambo elikhulu. Intetho yakho ye- inshurensi inokukufihla xa uhamba , qiniseka kwaye ubuze umthengisi wakho we-inshurensi okanye ummeleli ogqithiselweyo ngexesha lokuhamba ngenxa yokuba unokukugcina imali xa ufumanisa ukuba sele unomdla onomdla kuwo.
Ngaba Zizibopho Zobuntu Ezifihliweyo Ngomshuwarensi Xa Kungekho Ekhaya?
Ubume bakho bomshuwalense uya kukugubungela ipropati yakho yangasese ngelixa ususwe okwesikhashana kwindawo yakho kwilizwe lakho.
Ngokomzekelo, ukuba uya eholide, uya kuba nequlatho yakho. Ukuba kukho into eyenzekayo kwizinto zakho, njengokuba zibiwe, okanye zilahlekile emlilweni, i-inshurensi yakho yokuqulatha ingakugubungela ngokungathi uhlala ekhaya. Qhubeka ukhumbule, nangona kunjalo, ukuba babeya kuxhomekeka kwi-deductible ngaphandle kokuba unento ehleliwe kumgaqo-nkqubo wakho kwaye kwakungekho nxalenye ye-deductible.
Nika ingqwalasela ekhethekileyo kuyo nayiphina imingcele kwimida ekhethekileyo yecandelo loxanduva ukuba uceba ukuhamba nezinto ezingaphelelwanga njengoko zidweliswe ngezantsi.
Ziziphi iintlobo zokuBaluleka ezifumaneka kwiziqulatho?
Ingaba unomnini wezindlu, umgaqo-nkqubo okanye umgaqo-nkqubo weendleko, indlela eyakho impahla ekhutshwe ngayo iya kusekelwe kwiinqununu ezifanayo:
- Uhlobo olunjani lokubhengezwa: Unobungozi obunobungozi kunye nemingcipheko evulekile (okanye yonke ingozi yokufumana ingozi)
- Yiyiphi umyinge wakho wokuqukethwe
- Ingaba unayo iindleko zokutshintshwa okanye uqobo lwentengo yokunika imali
- Yiyiphi imingcele ekhethekileyo okanye ukungabikho kwemigaqo-nkqubo yakho
- Into echithwe ngayo
- Ukuhlela izinto ezikhethekileyo zexabiso eliphezulu njengezixhobo zomculo, ubucwebe nabanye
Ubunjani Ubuntu Bakho Ubungqina Bokuba Ngaphantsi Kwangaphakathi Yomgaqo-Inshorensi?
Ukufumana i-condos kunye neendwendwe, unquma inani leminshurensi oyifunayo kwi-contents yakho ngokusekelwe ekuqikeleleni kwakho kwaye i-premium yomgaqo-nkqubo isekelwe kwisixa sakho somxholo. Ukuba awuqinisekanga, unokujonga i-Inthanethi yeNkcazelo ye-inshurensi ye-Intanethi kwi-intanethi.
Kwi-inshorensi yasekhaya iziqulatho okanye umda wepropati yomntu ngokuqhelekileyo ipesenti yesibonelelo sokuhlala esiqinisekisiwe , le mali inesiqingatha se-50-70% yexabiso lokuhlala kwi-insured. Kwezinye iimeko, inokwanda okanye iyancipha xa kuyadingeka kuxhomekeke kwimeko yakho.
Awufane uhlawuliswe ngokubhaliweyo xa uyingxenye yomgaqo-nkqubo wekhaya. Inxalenye nje yepakethe yomshuwalense xa uqinisekisa isakhiwo sakho njengezakhiwo ezongezelelweyo .
Ixabiso langempela leeCash nokuPhumela kweNdleko yoTshintsho kwiSiqulatho sakho
Ingaba unayo iindleko zokutshintshwa okanye uqobo lwentengo yokubhengezwa kwemali uza kugqiba ukuba uza kuhlawulwa malini kwibango.
Isiseko seMimiselo yokuTyala: Uza kuhlawulwa njani ibango kwiZiqulatho?
Ukuhlawulwa kweendleko zenkcitho kwintetho kuthetha ukuba inkampani ye-inshorensi ingayilungisa okanye ithathe indawo yaloo nto xa kwenzeka ilahleko. Ukuba ufanele ubeke endaweni yento, uya kufumana imali efunekayo ukuthenga into entsha.
Ukwenyanika kwexabiso lenkokhelo yemali kuthetha ukuba uhlawulelwe inani lexabiso lempahla elincinci. Le ndlela ifumaneke kakhulu. Qinisekisa kwaye ubuze ummeli wakho we-inshurensi okanye umthengisi ukuba yintoni isiseko sokubanjiswa kwamabango ku-inshurensi yakho yezinto zakho zobuqu. Ukuba ngaba yixabiso langempela lemali, unokufuna ukucela i-quote ye-inshurensi yendleko yempindiselo.
Uluphi uhlobo oluthile oluninzi lweTyhurensi
Ubungakanani bexabiso lokubhengezwa kwexabiso lemali lingabizi kakhulu kunokuba uhlawule indleko yeendleko kuba uhlawula ngaphantsi kwebango, kumaxesha amaninzi, unokuhlawula njengesiqingatha sento enokukuhlawula ukuba ubeke endaweni yalo.
Ubunzima bomshuwalense we-inshurensi ungaphantsi kwexabiso elijongene nomgaqo-nkqubo ojongene nemipuphu evulekileyo ngenxa yokuba iingozi eziqingqiweyo zikugubungela kuphela ngemingcipheko echazwe kumgaqo-nkqubo njengomlilo, umsi, umbane, ukuchithwa kwempahla, ukweba kunye nezinye izinto ezibhalwe kumgaqo-nkqubo. Uza kuba negalelo kuphela kwiingozi ezichazwe kuyo. Yingakho iipilisi ezibizwa ngokuba yi-Actual Cash Value policy iya kuba yabiza ngaphaya komgaqo-nkqubo onokukubeka kuyo yonke ingozi ngokubaluleka kwexabiso. Qinisekisa kwaye ubuze malunga nokuba iziqulatho zakho zifakwe njani kumgaqo-nkqubo onayo. Ixabiso elincinci alisoloko lilunge xa ubheka inshurensi yakho. Ukuba uzama ukusindisa ngoku, khawucinge ukuba kuya kuba nzima kangakanani kwibango ukuba awukwazi ukuhlawulwa ngenxa yokuba awufihliweyo, okanye ukuba ufumana isiqingatha sexabiso lepropati yakho. Unokufunda ngakumbi malunga nexabiso langempela leeCash kunye neNkcitho yokuGuquka kweNdleko: khangela inombolo ye-6 ngokuchofoza apha .
Imida ekhethekileyo ye-Inshorensi
Yonke imigaqo ichaza ukukhawulelwa okanye ukungabikho kwiintlobo ezithile zepropati yomntu. Ukuba ufuna ukufunda kabanzi ngemida ekhethekileyo kwintengiso yomshuwalense kwipolisi yakho, OKUNYE >>
YezoRhwebo
Umgaqo-nkqubo we-inshorensi uthetha ukufihla impahla yakho, ngoko ke xa usebenza ukusuka ekhaya, okanye unesixhobo okanye izinto ezinobungozi ezinxulumene nezoshishino unokuthi unqunywe. Qinisekisa kwaye ubuze malunga nalezi zinto ngokukodwa ukuze wazi ukuba kufuneka udibanise i-coverage, okanye ukuba sele sele ifakiwe.
Ukuhlaziywa kwiiPropati zakho
I- deductible ibonisa inxalenye yesibango oza kuhlawula yona. Ukuba uthatha i-deductible ephezulu ukugcina imali kwi-inshurensi , ngoko nangona iziqulatho zakho zigqityiwe kumgaqo-nkqubo, unako ukukwazi ukwenza amabango amancinci kuba ixabiso lebango mayingabi
Ukongeza Ubungqina beNgcaciso yoMshuwalense weZiqulatho okanye izinto eziPhambili zexabiso
Siye ngaphaya kwezinto ezifunyenwe yi-inshurensi yenkcazo kunye nezinye iimeko apho abantu bekhaya lakho banakho okanye bangayi kukhonjiswa. Kukho omnye ummandla xa kufikelelwe ekuqinisekiseni izinto zakho zobuqu onokufuna ukufunda ngokubanzi: izinto ezixabisekileyo, okanye izinto ezingenakuthatyathwa.
Umgaqo-nkqubo wakho we-inshorensi unokukunika ithuba lokuncedisa izinto ezizodwa zexabiso eliphezulu, njengezinto zokugqoka. Ukuba unempahla efana neengqungquthela okanye ukuqokelela okukhethekileyo, ubucwebe okanye umculo okanye izixhobo ezifake iifoto, unokufuna ukongeza umgibeli kumgaqo-nkqubo ukuze uqiniseke ukuba uhlanganisiwe.
Kwiimeko ezinjengeli, unganakho ukuhlawula ngenxa yokuba uhlawula ngaphezulu,
Izinto ezithile zifuna nge-inshuwalense ekhethekileyo, ngoko qi niseka uze ubuze malunga nantoni na enokukhathazeka ngayo.
Umshwalense oPhezulu oPhezulu okanye oPhezulu oPhezulu kwiPropati yoMntu
Ekugqibeleni, kukho enye inketho yezinto ezibhalwe kuyo kunye nepropati yomshuwalense wepropathi ongayinomdla kuyo xa unomuvo wokuthi ukubaluleka kwesiqulatho sakho kuphezulu, Ukuba unempahla emininzi, okanye ifenitshala yesintu kunye nezinto eziqhelekileyo. Kukho imigaqo-nkqubo ye-inshorensi ephakamileyo ephezulu eya kuba nemida ekhethekileyo ephezulu, ukungaxelwanga ngaphantsi, kunye nokukhethwa kwezibhengezo ezingcono zokubakho, njengoku: akukho mbopheleleko wokutshintsha imigaqo-nkqubo.
Buza i-inshurensi yakho ukuba ngaba unomgaqo-nkqubo okhusele izingozi ezivulekileyo kwizinto ezingenayo kwaye akukho mbopheleleko wokutshintsha indawo yexabiso. Bangaba neenketho zeemigaqo-nkqubo ephezulu kunokuba uxoxe ngawo ekuqaleni. Ukuba akunjalo, ke kukho ezinye iindlela.
Ukuba uvakalelwa kukuba ixabiso leempahla zakho zithengwa kwi $ 100,000- $ 200,000, ngoko unokucinga ukuba ukhangela kwi-High-Value Specialist Insurance Companies. Ezi nkampani ziya kukunika iinkqubo ezinokuba zibiza kakhulu kodwa zingabonelela ngeendlela zokuphila ezibhetele ngakumbi xa unenkxalabo yokuba iinkqubo ezisisiseko zikhawulezileyo kwiimfuno zakho. Ukusebenza kunye nenkampani ezinjengeli-inshurensi yakho kuya kwenza amabango inkqubo ilula kakhulu.