Imvume ye-Innshurensi ye-Owner ye-Ownership ongayifumana

Ngaba Ufuna Uncedo Lwe-Intshurensi Eyona Ngakumbi

Ininshurensi yomninikhaya yinto evumela ukuba ulale ngokulula ebusuku, ukwazi ukuba kufuneka kwenzeke into engalindelekanga okanye ekhaya lakho; i-inshurensi yakho ikukhusela-kodwa ngaba kunjalo? Ngaba uyazi ngokwenene umgaqo-nkqubo womninikhaya ? Ukuba akunjalo, kusenokukuvusa ukunyanzela ukuba ulahlekelwe ngokukhawuleza ongafihliweyo kwaye ushiye imali.

Iintlobo zeeNkqubo zoNinindlu

Ininzi yemigaqo-nkqubo yomnini-mali ihlawula ukulahlekelwa ngumlilo, umonakalo wesiphepho kunye nezinye iingozi ezibizo.

Ngokuxhomekeke kwingxelo yakho, umgaqo-nkqubo wakho uhlawulela ukulungiswa, ukulahlekelwa kwemisebenzi, izibango zamatyala, iintlawulo zempilo kunye nokunye. Kukho iintlobo ezahlukeneyo zemigaqo-nkqubo ye-inshorensi yomnini-mali eya kubandakanya iintlobo ezahlukeneyo zokulahleka kuquka ukuxhamla okusisiseko, ebanzi kunye nekhethekileyo. Le migaqo iya kuhlawula ilahleko ngokwexabiso langempela lemali lokufaka indawo yekhaya kunye nezinto zakho zokunciphisa ukuhlaziywa, okanye ixabiso lentengo yokubuyisela (izindleko zangempela zokutshintsha ikhaya lakho okanye izinto zakho ukuya kumlinganiselo wakho wexabiso lomlinganiselo). Ingaba ufumana inkokhelo yokuhlawula imali yemali okanye ukuhlawulwa kweendleko ziza kuxhomekeka kuhlobo lomgaqo-nkqubo womninikhaya onalo.

Kukho ezininzi iintlobo zemigaqo-nkqubo yomninikhaya. Ezinye zezona ziqhelekileyo ziquka:

• I-HO-1 : Lo ngumgaqo-siseko womnini-siseko. Iquka kuphela ingozi ekhankanywe ngokukodwa kumgaqo-nkqubo.
• I-HO-2 : I-HO-2 yimizi ehambayo kwaye iquka izingozi ezithile ezikhankanywe ngaphakathi kwipolisi yesakhiwo kunye nokuqukethwe.

• I-HO-3 : I-HO-3 ngumgaqo-nkqubo we-inshorensi eyaziwayo kakhulu kwaye uyakhusela kuzo zonke iingozi ngaphandle kwale nto ingabandakanywa. Le nkqubo yindlela ebanzi yinshurensi yomninikhaya kwaye inikezela ngokubanzi ngokubanzi.
• I-HO-4 : I-HO-4 ngumgaqo -nkqubo we-inshorensi yakho . Lo mgaqo-nkqubo ukhusela kuphela isiqulatho ngaphandle kwesakhiwo. Iquka kuphela iingozi ezibhekiselelwe kumgaqo-nkqubo.

• I-HO-6 : Umgaqo-HO-6 uhlinzekela nge- inshorensi ye-condominiums okanye i-co-ops . Ukhuselwe ngokulahlekelwa yimiphumo ehlanganisweyo kwipolisi yesahlulo sesakhiwo onakho.
• I-HO-8 : Ukubonelela ngeenkonzo ezisemgangathweni kumakhaya amadala ngenani lexabiso lemali elincinci. Le migaqo-nkqubo ayifuni ukunikezela ngokukhethwa kweendleko zokutshintsha ngokupheleleyo. Kuyi "nkqubo eyingozi".

Umgaqo-nkqubo kaMninimzi weNkxaso-nkqubo kaMninimzi weNkxaso-mboleko

Ufanele uhlolisise ngokucophelela ulwimi lwakho lomgaqo-nkqubo wezindlu, kuquka nephepha lokubhengezwa kwaye uqaphele ukuba zeziphi iintlobo zelahleko ezingabandakanywa kumgaqo-nkqubo wakho. Ukungabikho kwempahla yomnini-mali kubandakanya ilahleko ukusuka:

• Umkhukula
• Zixhobo zo shishino
• Ukuzamazama komhlaba
• Ixabiso lomntu
• Iimpahla ezizayo
• Ukulimala kweMfazwe
• Ngco liseko
• Ingozi yeNyukliya
• Ukulimala kwangenjongo
• Ukuqheleka ukuGqoka nokuHlala
• UkuLawulwa kweZakhiwo
• Izithuthi ezipakiweyo kwiPropati yakho
• Iibhobho ezinamanzi
• Ukutshatyalaliswa kwezinto
• Iipropati zabaqeshi
• Izilwanyana kunye nezinye izilwanyana kwimpahla yakho

Lona alukho uluhlu olupheleleyo lwezinto ezingabandakanywa ngumnini-mali kodwa ezinye zezona ziqhelekileyo. Nangona inengozi ingabonakali kwipolisi yomninikhaya, oku akuthethi ukuba awukwazi ukukhuselwa kule ntlobo zelahleko. Kwiimeko ezininzi, unokuvumela umgaqo-nkqubo wakho womnini nomntu obizwa ngokuba ngumgibeli womgaqo-nkqubo.

Abagibeli bePolisi (Ukuvunyelwa) kwiNgcaciso Yongeziweyo

Umgibeli womgaqo-nkqubo (owaziwa nangokuthi uyagunyazwa) uneza uhlaselo lwemingcipheko engabonakaliyo ngaphambili ehlanganiswe kwipolisi yakho. Umgibeli womgaqo-nkqubo uza kunika inkxaso-mali eyongezelelweyo oyifunayo, nge-premium eyongezelelweyo. Kananjalo unakho ukhetho lokuthenga umgaqo-nkqubo wenkcazo ekhethekileyo xa ukuvuma kungenakongezwa kwipolisi yomninikhaya. Ezinye iinkqubo ezikhethekileyo zibandakanya i- inshurensi yezilwanyana, inshuwalense yesikhephe , inshurensi yentsholongwane kunye ne- inshurensi yomshuwalense

Uncedo lweNkxaso yeNkxaso-mali kaNinimzi

Nazi ezinye izongezelelo onokufuna ukuzenza kwinshurensi yomninikhaya:

1. Ukuzamazama komhlaba : Ikhaya lakho likhuselekile kuphela ukukhazamiseka kwenyikima xa ungeze ukuqinisekiswa kwenyikima kumgaqo-nkqubo womninikhaya. Ukuqinisekiswa kwenyikima iya kuhlawulela ukulungiswa kwindlu yakho kunye nezinye izakhiwo ezingaqhotyoshelwanga kwikhaya lakho (njengegaraji) emva kwenyikima. Iyakwazi ukuhlawula iindleko zokuzisa ikhaya lakho ukuya kwiikhowudi zokwakha zangoku kunye nezinye iindleko ezithathiweyo ezifana nokutshatyalaliswa kwenkunkuma.

1. I-Inflation Guard : Sonke siyaqonda iindleko zokunyuka kwamaxabiso kunye nemiphumo yazo kwiincwadi zethu zeebhokisi. Ukuba uqinisekisa ikhaya lakho ngexabiso olihlawulele lona, ​​kusenokuba kunelungelo lokubuyisela indawo yakho ikhaya ukuba ilahleko elipheleleyo lenzeke. Le yilapho ukugcinwa komgcini wokunyuka kwamaxabiso kumgaqo-nkqubo womnini wakho unokunceda. Inani lemali yokukhutshwa ngokuzenzekelayo linyuka rhoqo ngonyaka ukwenzela ukuqhubeka nokunyuka kwamaxabiso.
2. Ukugcinwa kweSewer : I-backup yokusekela umkhumbi ingabangela ukulimala kwamanzi amaninzi okunzima ukukulungisa kwaye ingaba yingozi yempilo kuwe nakwintsapho yakho. Akuyikuvumela okunyanisiweyo ukufaka kwipolisi yomninikhaya, ngezinye iinkcitho ukubiza njengama-$ 40 okanye i-$ 50 zamaRandi ngonyaka. Hlola kunye ne-inshurensi yakho okanye i-inshorensi ukuba ufumane iindleko ezithile zokungenisa le mvume kumgaqo-nkqubo wakho.
3. Ipropati Yomntu Wakhe : Ukuba unayo izinto ezixabisekileyo ngaphandle kwezinto eziqhelekileyo zezinto zokubala ezifana neendowuni, i-electronics, iikhomputha okanye ubugcisa obuhle; unokuba ufuna ukucwangcisa le nto ukuze uqinisekise ukuba unokufaka endaweni yezinto ezixabiso lakho ngokupheleleyo xa kwenzeka ilahleko. Umgaqo-nkqubo womnini wekhaya ubeka umda we dollar ngezinto ezifana neengubo ezingenakwaneleyo ukuzitshintsha ngokupheleleyo xa kwenzeka ilahleko.
4. Iindleko zokuTshintshwa kweNdlu yoBucala : Ipropati yokuhlawula ipropati yakho yendawo yakho ihlawula iindleko zokutshintshwa kwipropati yakho yangaphandle ngaphandle kokuhlaziywa kwimeko yokulahleka.
5. Ukwamkelwa kwezeMashishini aseKhaya : Abanini-propati abanamakhaya ngoku basebenzisana namashishini asekhaya kwaye bafuna i-inshorensi yoshishino kwishishini elisekelwe kwikhaya elinganikiweyo kumgaqo-siseko womnini-siseko wokuhlawula izixhobo zoshishino kunye noxanduva lomthetho. Ukwamukelwa kwamashishini asekhaya kuya kufaka le nkcazo kumgaqo-nkqubo kwaye ngokuqhelekileyo unemiqathango ye-50% yesigxina sokuhlala kwakho.
6. Ukunikezelwa kwempahla yamanzi : Unokongeza umqhubi womgaqo-mvume wokunika amanzi oza kubongeza ukukhutshwa kweso sikhephe esinawo okanye esisebenzisayo. Ikhusela wena malunga nemonakalo eyenzekayo ngexesha lokubhukuda, ngelixa ikhephe likhutshwe, ukhuseleko lwemfanelo kunye neentlawulo zonyango ezinxulumene neengozi zokuhamba.
7. Umba wobabi : Ukwabiwa kwebabi kunika ukhuselo malunga nokweba impahla yakho. Iindidi ezahlukeneyo zolu vunyiso zifumaneka ngokusekelwe kwinhlobo yomshuwalense onayo. Hlola kunye nenkampani yakho yomshuwalense ukuba ubone ukuba luphi uhlobo lokwabiwa kwebabi.
8. Indawo yokuhlala yesiSeko Ukumiswa : Oku kuqinisekisiwe kwongeza umgaqo kumgaqo-nkqubo womninikhaya wendlu yeholide. Ukuthengwa kwemvume kunokuba ngumncinci ukhetho kunokuthenga umgaqo-nkqubo ohlukeneyo wokuhlala kwesekondari.
9. Ukuxhaswa koMntu oKhuselekileyo : Ukulungiswa kokwenzakala komntu siqu kwongeza ukhuseleko lomthwalo kwi-inshorensi yomnini-yindlu yomnini-mali yakho ngezinto ezifana nokuboshwa kwamangqina, ukukhishwa kakubi, ukunyundela, ukunyanzelisa, ukunyanzelisa, ukuxhatshazwa komntu kunye nokuthengiswa kwezonyango zomthetho kunye nezinye iintlobo zokulimala okwenzakalo kodwa ezingekho ngokwenyama umonakalo emzimbeni.

Iingcamango zokugqibela nokuqwalasela

Ngelixa ungeze i-coverage eyongezelelweyo kumgaqo-nkqubo womnini-mali ngokubonelela kungakubiza i-premium eyongezelelweyo; kungakufaneleka ngexesha elide. Xa inhlekelele ibetha, awunayo umzuzu wokulahleka ukuze ulungise ikhaya lakho kwaye uhlala kwindawo. Uya kufuneka uqikelele ingozi kwaye uqinisekise ukuba ufuna i-inshurensi yendawo yomntu ongenakho ngaphezu komgaqo wakho okhoyo. Akuyona ingcinga embi ukudibana nomsebenzi we-inshorensi kwaye uhlolisise zakho iinketho. Kungenzeka kube lula njengoko kufumana umgaqo-nkqubo womnini womhlaba. Oku kuya kuxhomekeka kwiimeko kunye neemfuno zakho. Ngayo yonke imfuno yakho yomshuwalense, yinto efanelekileyo yokwenza i- inshorensi yokukhangela ubuncinane kanye ngonyaka ukwenzela ukuba uqinisekiswe ngokufanelekileyo malunga nelahleko ezingalindelekanga.