Gcina indlu yakho iphephile kwaye ikhuselekile
Yintoni ebaluleke ngakumbi ukuthula kwengqondo kunokuba ukwazi ikhaya lakho kunye nezinto ezikhuselekileyo kwaye wazi ukuba unobungozi obuhle kwiziganeko ezingalindelekanga zobomi? Ukukhetha inkampani yomshuwalense ukuzalisekisa loo mfuno yinto ephambili. Kukho imilinganiselo emininzi yokuqwalasela xa ukhetha i-inshurensi yasekhaya, kubandakanywa ukwaneliseka kwabathengi, ukwaneliseka kwamabango, ixabiso lentengo, amava okuthenga, ukulinganiswa kwamandla emali kunye nokunye. Iinkampani ze-inshorensi ezilandelayo zifumana iinkalo eziphezulu kwiinkalo enye okanye ngaphezulu kwezinye zeenkampani eziphezulu ze-inshorensi, ezibandakanya i-JD Power & Associates, AM Best, i-Insure.com I-Award's Choice Awards, IiNgxelo zabaThengi kunye ne-Business Business Bureau.
01 Izaphulelo ezilungileyo kakhulu: Erie Insurance
U-Erie umshuwalense uyaziwa kangcono ngenxa yomshuwalense we-auto kodwa kwakhona ukhetho oluhle kwiinshurensi yasekhaya. Umnini wendawo unokugcina ipesenti ezingama-20 kwizaphulelo kunye nakwabanye abaphathi-nkqubo (kuxhomekeke kwimeko) ezo zizaphulelo zingaba ngama-30 ekhulwini. Azikho zonke izaphulelo ezikhoyo kuwo wonke urhulumente. Inkampani inomlinganiselo weshumi-phezulu kwi-Insure.com yee-Akhethi zeZigqibo kunye ne-JD Power Circle. U-Eric Insurance une-"A +" ukulinganiswa kwemali esuka ku-AM Best kunye ne-"A +" ukusuka kwi-Business Business Bureau. U-Erie Insurance usetyenziso lweenkampani ze-Fortune 500 ze-US kwaye unemigaqo-nkqubo engaphezu kwezigidi ezine. U-Erie unikela ngokuzenzekelayo, ikhaya, abaqeshisi, i-inshorensi yoshishino kunye nobomi. Umgangatho unikezelwa kumazwe angama-12 kunye ne-Washington, DC
U-Erie unemigaqo-nkqubo yezindlu ezintathu: I-Advantage, Plus kunye ne-Khetha, enikezela ngeendleko zokutshintshwa eziqinisekisiwe zempahla kunye neendawo zomntu kunye nemida yexesha elifihliweyo eli-10, 15, 20 ne-30 leminyaka. Umlinganiselo unokungeniswa ngokuvuma ukubuyiswa kobunikazi, ubucwebe kunye nezinye izinto ezibizayo, ipropati yoshishino, ukukhishwa kwemali echithwe kwiibango ezingaphezu kwe-50,000 zamawaka kunye nokukhetha ukwandisa imilinganiselo yomgaqo-nkqubo.
02 Best for Retirees: I-Hartford
I-Hartford inesivumelwano ne-American Association yabantu abahlala phantsi okanye "i-AARP" ukubonelela nge-inshurensi yasekhaya kubantu abadala. Amalungu e-AAR aya kufumana inzuzo ukuba akwazi ukuthenga imigca emininzi yenkcazo evela kwindishurensi enye kwaye afumane isaphulelo esikhulu kwi-premium yabo yokuba nemigaqo-nkqubo emininzi. I-Hartford ine-rekodi yokugqwesa kwaye ifumene izibhengezo ezininzi, kubandakanywa nokuba ngumshuwalense ophezulu kwi-10 kuma-Award Akhethiweyo Abantu kunye ne-JD Power & Associates Power Circle ratings. I-Hartford ine-"A +" ukulinganiswa kwemali esuka ku-AM Best kwaye ine-"A-" yokulinganisa ngeBusiness Business Bureau.
Iinkqubo ze-inshurensi zasekhaya nge-Hartford zinika iindleko zokubuyisela ngokutsha ngamanye amaxesha ukuya kuma-125 kuya kuma-150 ekhulwini kumyinge wokufikelela. Inkampani inikezela kwakhona inketho yayo "ProtectorPLUS Zero Deductible" apho unokunyuka ukuya kuma-5,000 e-home ofer's deductible deived if you are a catastrophic event with a serious damage.
03 Ulungelelaniso lwabaThengi lokuThengi: Amica Mutual
U-Amica Mutual unamanani amanqaku akhangayo kwi-inshurensi yasekhaya, kuquka ukukhethwa njengenkampani yomshuwalense ophakamileyo kakhulu osuselwe kumxhasi wamakhasimende kubanini bamashurensi kwiminyaka eyi-16 ngokulandelana nguJD Power & Associates. U-Amica Mutual naye uphambili ekunelisekisweni kwamabango kunye nokulinganiswa kwamandla emali kunye ne "A ++" ukusuka ku-AM Best.
U-Amica Mutual unikeza iinkqubo zomshuwalense wezindlu ezisisiseko kunye nenketho yokongeza iindleko ezibandakanya iindleko zokutshintshwa kwekhaya lakho, impahla yakho kunye nezinto ezixabisekileyo kunye nokukhetha ukuthenga umonakalo onobungozi kumonakalo okanye kwizikhukhula. "Umgaqo-nkqubo weplatinum" u-Amica unikezela imida yokunyusa kunye nenkqubo yeenkqubo eziquka ukunyaniseka kunye neentlawulo zonyango, ukuxhaswa kweendleko zokubuyisela indawo, ukutshintshwa kwendawo yokutshintsha, ukukhutshwa kwamanzi kunye nokugcinwa kwemali yokugcina imali, kunye nezindleko ezongezelelekileyo zokufakelwa komntu kwizinto ezixabisa izinto ezifana neendrashe okanye iikhomputha.
Iziganeko eziMnandi eziBalulekileyo kwiSigqibo seNkcazo: Abanikazi be-Auto
Abanikazi Bemizi-mboleko banikela ngaphezu kwe-inshurensi yemoto naphezu kwegama layo. Inika umgca opheleleyo wemveliso yomshuwalense kunye ne-inshorensi yoshishino. Abanini-nkonzo bemiNyunithi yomshuwalense banokulinganiswa kwemali ye-A ++ (ephezulu). Enye yezinto eziMzibo-mboleko zenzeke kakuhle ukuphathwa kwamabango. I-nkampani yamkela umvuzo wokubanjiswa kwamabango avela kwi-JD Power kunye noMbutho iminyaka emininzi. I-inshurensi yasekhaya iyatholakala kubaphathi-nkqubo kuma-26 asetyenziswa ngamaziko angaphezu kwama-35,000 amele.
Abanikazi Bemizi-mboleko banikezela nge-inshorensi yokubambisa i-inshorensi eyinqobo nge-100% yenkcitho yokubuyisela kunye neenketho zokubhengezwa ezongezelelweyo: izityikima, iinqanawa, i-computer-backed up, iikhompyutheni zobuqu, i-umbrella, umthwalo wempahla, i-snowmobiles, igolfu okanye ezinye izixhobo zezemidlalo, Ukutya okutshatyalaliswa emva kokuphuma kwamandla. Unokufumana isaphulelo kwi-inshurensi yomninikhaya: iindawo zokuhlala zonyaka, izaphulelo zepolisi ezininzi, indawo yokuhlala phantsi kweyakhiwo, ikhaya elitsha / elilungisiwe, i-premium-full-full-paid full-time, ekhutshweyo yokuhlawula kunye nezixhobo zokukhusela.
05 Inkxaso yeZiko leeNgcono eziKhulu: IzeMali zelizwe
Akukho nto embi ngaphezu kokubanjwa okanye ukudluliselwa ngamaxesha amaninzi xa ufuna ukufowunela kwinkampani yakho yomshuwalense ukulungiselela inkonzo yinshurensi yakho yasekhaya. Enye into yokuba akufanele ube nexhala malunga neMali Yelizwe. Isiko soNxibelelwano lwezeMali kunye neKhaya lezeMali liye laziwa yi-JD Power & Associates ngenkonzo yamakhasimende evelele ngokusebenzisa iseshoni yayo yefowuni ephilayo. I nkampani nayo ine-"A +" ukulinganiswa kwemali evela ku-AM Best. Izezimali zezwe zinomlinganiselo we- "A-" kwi-Business Business Bureau.
Kukho iindlela ezintathu ezisisiseko ze-inshurensi yasekhaya ngeMali yezeMali, kuquka ukukhutshwa kweziseko eziphambili, ukukhutshwa kweprayim kunye nokuxhamla. Umgaqo-nkqubo we-inshorensi yomntu oyintloko uyabandakanya ukukhawulelana nemingcipheko ethile njengomlilo / umbane, ukweba / ukuchithwa kwemimoya, umoya / isichotho kunye nokuqhwa kwamanzi. Umgaqo-nkqubo weNdunankulu uyongezelela ukukhutshwa komlilo, ukupenda kwipende kunye nomonakalo owenzela amandla kwiimveliso. Ngomgaqo-nkqubo wokubandakanya umGaqo-mali weSizwe, unesiqinisekiso esisiseko se-inshurensi yasekhaya kunye ne-coverage yokuqala yekhaya lakho. Ukongeza, unokukhetha umgaqo-nkqubo onokutshintshwa kwexabiso lenkokhelo yemali, iindleko zokutshintsha, iindleko zokutshintshwa ezongeziweyo okanye iindleko ezongeziweyo zokubuyisela, ezihlawulela ukuvuselela ikhaya lakho ukuya kuma-125 ekhulwini kumyinge wakho wemigaqo-nkqubo. Ukhetho olongezelelweyo lwendleko yokubuyisela alufumaneki kuwo onke amazwe. Kukho negalelo lomthwalo kunye nezokwelapha ezibandakanya nomgaqo-nkqubo womninikhaya. Izaphulelo ziquka umgaqo-nkqubo, i-alamu yemali, iminyaka yobudala, ubudala obukhuselekileyo kunye nesaphulelo esongezelelweyo sokuphahlaleka kwesichotho.
06 I-Best Best Financial: Ifama yeSizwe
Amandla karhulumente weFama yeFama aphakathi kwezona ziphezulu kakhulu kumashishini kunye nesilinganiselo "A ++" esivela ku-AM Best. Akukho nkxalabo yeFama yeFama iya kukwazi ukuhlawula nayiphi na ibango elinikeziweyo. Le nkampani iphinde ithole amanqaku aphezulu anesihlanu ukusuka kwi-Award ye-Insure.com ye-Award's Choice kwaye ine-rating eliphezulu kwi-JD Power & Associates Power Circle Ratings. Kukho ukulungelelanisa ukucaphuna amakhono kunye ne-24/7 yeenkonzo zokubika iingxelo. State Far
I-inshurensi yasekhaya yasekhaya ifama iquka i-coverage malunga nokulahlekelwa okubangelwa ngumlilo okanye umbane, ukweba, ukuqhwala kweprogram yakho yokupaka kunye nomonakalo wesichotho okanye isichotho. Ukongezwa okongeziweyo kufumaneka kwizinto ezizibiza kakhulu, i-inshurensi yamanzi, amashishini asekhaya kunye nokuchonga ukweba. Izaphulelo eziliqela zikhoyo, kubandakanywa izixhobo zokhuseleko ekhaya, amabango-asemabango, abafake umlilo, izinto eziphahlayo, izicwangciso zokulinganisa izixhobo kunye neehosti zeenkqubo ezininzi. IFama yeSizwe iphinda inikezele ngeenkcukacha zefama kunye nezixhamla kunye namakhaya akhiwe.
07 Ukuzamazama komhlaba Okuhle: Cincinnati
I-inshurensi yaseCincinnati iquka ukukhuselwa kwenyikima kwiindawo ezingama-39 kwintsimi yayo ngaphandle kwe-Oregon. Ukuba uhlala kwindawo ejongene nenyikima, kunengqiqo ukuba unalo ngxelo. Ukongezelela, i-Cincinnati Insurance inesilinganisi esiphezulu-seshumi kwi-JD Power & Associates Power Circle ukulinganisa kwaye ine-A + (Superior) isilinganiselo semali esivela kwi-AM Best.
Izinketho ezininzi zomgaqo-nkqubo zabanini zifumaneka kwi-Cincinnati Insurance kunye nokuthenga "umgaqo-nkqubo wokulawula" kunye "nomgaqo-nkqubo wecandelo lomgaqo-nkqubo." Ngomgaqo-nkqubo olawulayo, unokwenza ulungelelaniso lwekhaya lakho, ezinye izakhiwo, impahla yakho, iindleko zokuphila ezongezelelweyo kunye yomthwalo wemfanelo. Umgaqo-nkqubo we-classic wongezelela ukufakwa kwenkcazo yasekhaya ukuseka iindleko zokuvuselela, inketho engekho-deductible yokwenyuka kwezinto eziqulethwe, ukuhlawula ukuhlawula ngokutsha kunye nempahla ephezulu yokwakha, ukwebiwa kwezazisi, izindleko zomthetho ukuya kwi-25,000 zamawaka kunye ne-coverage ye-sewer ukubuyela emva. Kukho nezoshishino zasekhaya kunye nezobugcisa bokuzibophelela. Izaphulelo ziquka umgaqo-nkqubo, akukho-mabango, isaphulelo esisha sasekhaya kunye ne-alamu.
08 Eyona nto iphezulu kwizindlu ezincinci: i-Chubb
I-perk enkulu ye-inshurensi yomnini-mali eyinikwe ngeChubb iyona ndlela yokukhetha iindleko zokutshintshwa ezongezelelweyo. Oku kuthetha ukuba ukuba iindleko zokuvuselela ikhaya lakho emva kokulahlekelwa likhulu kunemida yakho yomgaqo-nkqubo, isagcinwa. Ezi ziindaba ezilungileyo kubanini bezindlu abanemakhaya entsha kunye neyakhayo. I-Chubb ineziphumo ezintle ngokunjalo. Yayifumana isilinganiselo esinguNombolo 2 kwi-Award ye-Choice Awards ye-People, kunye ne-five-rating rating in satisfaction of claims from JD Power & Associates. Inkampani ine-A ++ (Ephezulu) ukulinganiswa kwemali ukusuka ku-AM Best.
I-Chubb inikeza i-inshurensi yomnini-mali ngexabiso lokubuyisela indleko kunye nezinye iinketho zokukhawuleza zokuhlolwa kokukhululeka ukujonga iindleko zokutshintsha, iinkonzo zokukhusela umlilo (kwezinye iindawo), ukukhusela ukukhutshwa kobuqhetseba kunye nokubuyiswa kwebango lokubuyiswa kwepropati. Umgaqo-siseko uquka iindleko zokutshintshwa ezongezelelweyo, ukhetho lokuhlawulwa kwemali, inkonzo ye-appraisal yasekhaya, iindleko zokuphila ezongezelelweyo kunye nokuthengwa kweendleko. Izaphulelo ezininzi zikhoyo, kubandakanywa nemigaqo-nkqubo yamanyathelo, iinkqubo zokukhusela ikhaya, ikhaya elitsha / elungisiweyo, ukulahlekelwa kwemali-ntle, ukulungiswa kwemisebenzi yolondolozo lwasekuhlaleni, ukulinganiswa kwamanxweme kunye nokwakhiwa kwamatye.