Ukunciphisa abaNinimzi baKhaya i-Premium ye-inshurensi ngaphandle kokulahlekelwa ziNcedo ngezo Ncebiso
Ukuthengwa nokwenza ikhaya kuyinzuzo enkulu, kodwa abantu abaninzi bayalibala ezinye iindleko ezihambelana nayo. Iinshurensi yabanini-yindlu yindleko enye engahambiyo kwaye ingaqala ukwandisa kakhulu njengoko unayo ikhaya lakho iminyaka emininzi. Nangona iindleko zabanini-bhorensi bezindlu zingakhula ngenxa yokunyuka kwamaxabiso, ukwanda kweendleko zokwakha, okanye ezinye izinto, kubalulekile ukukhumbula ukuba unokufumana iindlela zokugcina eli xabiso lincitshiswa.
Nazi iindlela ezilishumi zokunciphisa i-premium yakho ye-inshorensi yabanini.
Khuphula Abanini-bakho baMaNyunithi
Ukuhlawulwa kwakho yinani lomngcipheko ovuma ukuwamkela ngaphambi kokuba inkampani yomshuwalense iqale ukuhlawula ibango. Ngenxa yeendleko zabanini-bhorensi benyuka, akusekho mpela ukuvumela inkampani yomshuwalense ukuba ithathe yonke ingozi. Ukuba unesixa esincinci se-$ 50 ukuya kwii-100 zee-100, cinga ukuphakamisa okungenani i-$ 500 ukuya kwi-$ 1,000. Ungalondoloza ufike kuma-25% kwiiprayimari zakho.
Ezinye iikhampani zinikela ngemali e-deductibles elingana ne-1% yexabiso eliqinisekisiwe lekhaya lakho (i-$ 1,000 echithwe kwi-100 000 yekhaya). Okubonakala ngathi yimali eninzi ukuhlawula xa kukho ibango, cinga ngolu hlobo: i-inshorensi yinshurensi yomninikhaya yinkampani yomshuwalense ukuba ihlawulise kakhulu abathengi abafake enye ibango okanye amabango amaninzi. Ngokuqhelekileyo iiprayimari zinyakelwe indlela okanye ipolisi ikhansekisiwe, kwaye xa umthengi ekhangele kwenye indawo ukuze afikelele, bangayifumana ixabise kathathu oko babekuhlawula.
Sifanele sitshintshe indlela esiyijonga ngayo ukuba i-inshorensi nayiphi na uhlobo ihloselwe ukumboza zonke iindleko zethu xa sifumana ibango. Le mihla iphelile. Cinga nge-inshorensi njengokwabelana ngengozi. Umngcipheko ongakanani ozimisele ukuwenza?
Hlanganisa nabanini beeNkampani zaBanini beeNkxaso-mali kunye ne-Auto Insurance Policy
Cinga ukuthenga abanini bezindlu kunye nemigaqo-nkqubo ye-inshurensi yemoto evela kwinkampani enika zombini.
Ezinye iikhampani zinikeza izaphulelo ukusuka kwi-5% ukuya kwi-15% xa uthenge zombini iintlobo zengxelo evela kubo. Hlola ngeenxa zonke uze uqinisekise ukuba intengo iphantsi kunokuba uthenge iipolisi ezimbini ezivela kwiinkampani ezimbini ezahlukeneyo ngaphambi kokuba wenze le nto.
Buza Ikhampani Yakho Yomshuwalense Ngamanye a baqeshisi baKhaya Izaphulelo ze-inshurensi
Qinisekisa ukuba ufumana zonke izaphulelo ezifanelekileyo. Ngokomzekelo, izaphulelo zikhoyo kubaboni be-smoke, i-lockbocks, i-security alarms okanye i-alarm alarm systems, i-fire extinguishers ekhaya, njl. Ukuba uneminyaka engaphezulu kwama-55 kwaye uthatha umhlalaphantsi, unako ukufumana isaphulelo esongezelelweyo esingu-10%.
Musa Ukuthenga Abanini-makhaya Ubungqina Bomshuwalense Awunayo
Akunakuqonda ukuthenga i-inshorensi ukuzikhusela kwimingcipheko ongenakuze uhlangabezane nayo; Ngokomzekelo, ukukhuselwa kwenyikima kwindawo engasiyiyo inyikima, okanye i-float yezinto zokungcebeleka kwipolisi yakho ukuba ungenayo iingubo ezibizayo.
Yenza ikhaya lakho libe yingozi yomshuwalense
Buza ummeli wakho we-inshurensi oko ungakwenza ukuze wenze ikhaya lakho lingabizi ukuba uqinisekise. Ukwenza utshintsho olunciphisa umngcipheko wokulimala kweziphepho zomoya kunye nezinye iintlekele zendalo ngumzekelo omnye. Enye ihlaziya i-wiring endala okanye iinkqubo zokufudumala, ezinokunciphisa umngcipheko wemililo ngoko ukunciphisa ama-premium akho.
Yazi Oko Abaqeshi Bakho Bemizi-nkqubo Yomshuwalense Bavala
Ikhaya lakho kukutshala imali enkulu. Qinisekisa ukuba ikhuselekile ngokwaneleyo kwimingcipheko ongeke ukwazi ukuyifungela yona kwaye igubungela nayiphi na intuthuko yekhaya oyenzile, ukuthenga okukhulu, kunye neendleko ezongeziweyo zokwakhiwa kwakhona.
Gcina Ubungqina Bomshuwalense Wakho Kusukela Ngomhla
Kanye ngonyaka, ngaphambi kokuba umgaqo-nkqubo we-inshorensi yabanikazi bakho uhlaziywe, cima umgaqo-nkqubo okhoyo, ufunde ngazo zonke iinkcukacha, uze ubize i- agent yakho yinshurensi ukuba uxubushe nayiphi na utshintsho kwiimeko zakho ezenzeka ngunyaka.
Gwema iingozi ezibangelwa ngabashurensi
Abatshutshisi bahlaziyekile kwiingozi ezithile. Ngokomzekelo, ukuba neentlobo ezithile zezinja (iRottweilers, i-Pinsberman Pinschers, i-Pit Bulls), inokunciphisa okanye ilahle umgaqo wakho. Ukufumana i-pool yokubhukuda okanye i-trampoline kunokunyusa iindleko zokubhengezwa.
Funda yonke impapasho enhle kumgaqo wakho phantsi kwe "Iimeko kunye neengubo" ukuze wazi zonke izinto ezingabandakanywa kwi-coverage. Unokukhetha ukuthenga i-coverage eyongezelelweyo ukukhusela kwiindawo ezithile.
Ukuphucula umvuzo wakho
Iinkampani zomshuwalense ziqhubeka ngokusebenzisa ulwazi lwekhredithi kwimigaqo yomshuwalense wemali. Awunayo i-akhawunti evulelekileyo yeakhawunti , musa ukuhlawula umda kumda wakho kumakhadi-mboleko , kwaye uhlawule zonke iindleko zakho ngexesha ukuze ugcine i- credit score score .
I-Around Around ye-Innshurensi yasekhaya
Zithengela iifom zinshurensi kubanikazi bezindlu kodwa gcinani engqondweni ukuba unokufumana isaphulelo sokuphila ixesha elide ukuba ube ne-insurer yakho yangoku iminyaka emininzi. Izaphulelo eziqhelekileyo zi-5% ukuba unayo nenkampani iminyaka emithathu ukuya kwemihlanu, kunye ne-10% kwiminyaka emithandathu okanye ngaphezulu. Fumana izicatshulwa ezivela kumathente amathathu, kwaye uthathe iiphuphaphu zexesha elide kunye ne-insurer yakho yangoku xa uthelekisa amaxabiso. Isebe lakho le-inshurensi yomhlaba linakho ulwazi olunokulinganisela kwizinga lakho elikhoyo kwilizwe lakho.
Ngokugcina ezi zinto zingcono engqondweni, unokukwazi ukuzibeka kwindawo apho ugcina ngokukhawuleza imali eninzi kunye nomgaqo-nkqubo we-inshorensi. Ukuba uyazi izikhetho zakho, uza kuba neyona ndlela ephezulu ekufumaneni iindlela zokunciphisa i-premium yakho. Emva kokwenza uphando lwakho, qiniseka ukuba uthetha kunye ne-ejensi enolwazi onokukucebisa kwaye enze isicelo sokulondolozwa.