Ukuba ukhangele ipolisi yomshuwalense wekhaya kwaye uzibuza ukuba kutheni ixabiso lakho le-insured libonakala liphakamileyo, awuyi kuba ngowokuqala ukwenza njalo. Amakhaya amabini kwindlu emithathu aseMelika ayaphantsi , kodwa abantu bacinga ukuba i-inshurensi yabo iphakamileyo. Kungenjalo, kodwa indlela yodwa yokwazi ukuhlaziya iimpawu ezibhalwe kumgaqo-nkqubo wakho womshuwalense minyaka yonke ukuqinisekisa ukuba unesibambiso esifanelekileyo se-inshurensi.
Xa abantu becinga ukuba ixabiso lincinane, banokufumana lula ukuba umgaqo-nkqubo wabo utshintshwe okanye wongeze iifayili ngokuvuma .
Ingxaki enkulu ivela xa ubheka umgaqo-nkqubo wakho womshuwalense kwaye uzive ngathi ixabiso lakho lokuhlala ekhaya liye landa kakhulu kwaye ngoku libukeka ngathi ungo-insured. Kukho izinto ezininzi ongayenzayo xa ungavumelani nexabiso lokuhlala kwi-insured okanye izindleko zokuhlaziywa kwekhaya lakho ukuqinisekisa ukuba ixabiso le-inshurensi lichanekile kwaye awukhokheli okanye uqiniseke ngokugqithiseleyo.
Ukuqinisekisa ukuba awukho ngaphezu koKhuseleko lweKhaya lakho
Xa kufikelele kwi- inshuwalense enkulu yasekhaya , abaninzi abantu ababaleka kwiingxaki kubango yibo abaye bancedisa ikhaya labo. Nangona kunjalo, xa sibheka indleko yomshuwalense wekhaya, sinokukhangela ixabiso kwiindawo zokunciphisa iindleko. Abaninimzi bemihlali badla ngokumangaliswa ukubona oko i-inshurensi yabo ibiza ngayo, kwaye abantu abaye bahlala emakhaya ixesha elide badangeleka xa bebona ixabiso le-inshurensi yokwanda kwekhaya xa ixabiso lokubuyisela ikhaya labo lingabi liphakamileyo.
Kukho ezinye izinto ezinokukunceda ukunciphisa iindleko zakho ngaphambi kokuba ucinge ukuba unciphisa ixabiso lakho lasekhaya eliqinisekisiwe. Kukho isaphulelo esitsha sokongeza kwipolisi yakho okanye ezinye iindlela ezifana nokwandisa ukukhangela okanye ukuphucula inkqubo yakho yezokukhusela ekhaya ukuze uthole izaphulelo ezingaphezulu.
Makhe sibone oko ungakwenza xa ungavumelani nenkampani yomshuwalense malunga nexabiso abafuna ukuba liqiniseke ikhaya lakho.
Izindlela ezintathu I-Intshurensi yakho yasekhaya yase-Intshurensi iyaqhubeka
Ngaphambi kokuba singene kulokho onokukwenza malunga nexabiso lokuhlala ofumene liphezulu, kubalulekile ukuqonda izizathu ezibini zokubaluleka kwexabiso lakho lokuhlala lingaba semali.
Ixabiso lenu lokuhlala kwi-inshurensi yasekhaya lingaqhubeka ngenxa yenye yezinto ezintathu:
- Intshurensi yakho yasekhaya inomhlathi ukukhusela kwakho kwiindleko zokunyuka kwamaxabiso kunye nokwandisa ixabiso le-insured ngalinye ngonyaka ngokuvumelana nepesenti encinci. Kwixesha eliyiminyaka emihlanu ukuya kwe-10, ukunyuka kwexabiso lokunyuka kwamaxabiso kungabonakala, kwaye kusenokuba lixesha lokuba uhlolisise ukuba ixabiso lakho lokuhlala lililo lichanekile ukuqinisekisa ukuba akuphelelanga.
- Unomhloli oza endlwini yakho ukuba uhlole i-inshuwalense ekhaya kwaye umvumi we-inshorensi ubale iindleko zokuvuselela kwakhona kwaye wakhuthaza ukwanda kwindleko yokuhlala kwi-insurer yakho yasekhaya.
- Uthe wathenga ikhaya kwaye uqinisekisa okokuqala, i-ejenti okanye umthengisi we-inshorensi wenza izibalo ezithile ukufumanisa indleko yokuvuselela indlu yokuhlala ngokusebenzisa isixhobo esiqhelekileyo kunye nolwazi oluyisiseko olunikeze ngalo.
Into onokuyenza Ukuba awuvumelani nexabiso leKhuseleko lokuThuthukiswa kweKhaya lakho
Abantu badla ukuba bacinga ukuba nje inkampani yomshuwalense ibathumela into ethile, ibhaliwe ngamatye.
Kungenzeka ukuba uqikelelo lwe-inshorensi yokwakhiwa kwakhona kwekhaya lakho alubi, nantsi indlela yokuhamba ngokuqinisekisile ukuba awukho ngaphezu kokuqinisekisa. I-inshorensi yakho iphathelele ukukhusela i-asethi yakho, ngoko ke xa unomuva uphelile, unelungelo lokubiza umnxusa wakho kwaye ubuze imibuzo okanye ucele ukuhlaziywa.
Ngokuqhelekileyo ukuba unetyala elifanelekileyo ukubonisa, i-inshurensi yomthengisi okanye i-arhente iya kufaka isicelo sakho kumgcini we-inshorensi kwaye ityala lakho linokuphinda lihlaziywe.
Ngaba Ixabiso Lokuhlala Kwakho Landa Ngenxa Yokulungiswa Kwemveliso?
Iiinkampani zomshuwalense zifaka iigatshana zokulungiswa kwexabiso lokunyuka kwamaxabiso ukukhusela xa uqinisekisa indlu yakho. Ingcamango kukuba xa uqinisekisa indlu yakho kwaye emva kweminyaka emihlanu kamva unabango, awuyi kukhawuleza kwimali efunekayo yokwakha emva kwesibango ngenxa yolu tshintsho lwamaxabiso emali.
Ngelishwa, ukuchaneka kwale ndlela kuxhomekeke kwikhaya eliqinisekisiwe kwixabiso elifanelekileyo kwindawo yokuqala, kwaye ukuba izindleko zokwakha kunye nokwakhiwa kwandiswe ngokwenene ngenxa yokunyuka kwamaxabiso njengoko uqala ukukhusela ikhaya lakho. Kwezinye iimeko, le miba ingasuswa.
Kwimeko yokunyuka kwamaxabiso okunyuka kwexesha elide, lihlala liluvo oluhle lokuhlaziya kwakhona ixabiso lakho lokuhlala usebenzisa amaxabiso okuhlaziya kwakhona. Ummeli wakho we-inshorensi usemgangathweni ofanelekileyo wokuxoxa ngexabiso lakho lokuhlala kunye nawe, ngoko ke umqondo omuhle ukubiza nokubuza ukuba unemibuzo. Unokwazi ukufumana utshintsho ngokumema kwaye ube neengxoxo.
Ungasebenzisa ezi Zingcebiso Ukuba Uxoxisane Xa Ixabiso Lakho Lokuhlala Liyanda
Ukuba ingxoxo malunga nokunyuka ingavelisi iziphumo ezilungileyo kwaye ungavumelani ne-inshurensi, ngoko unokuzama ukuthetha kunye nenkampani yomshuwalense usebenzisa le ndlela.
Iindlela ezi-3 zokufumana iNgxelo yesiBini kwi-Intshurensi yokuHlala kwexabiso
- Buza inkampani yakho yenkampani yomshuwalense ukuba iphindwe kabini ukujonga iibalo. Qinisekisa imifanekiso egciniweyo abayisebenzisileyo kwaye uqhathanise iindleko nganye ngomqolo wesikwere abasebenzisayo kunye nomgangatho oqhelekileyo kwendawo yakho ngokubhekiselele kubakhi bendawo. Unako ukuzama ukuthetha kunye nenkampani yomshuwalense kule miba, kwaye ngamanye amaxesha baya kukunika ingxaki okanye esinye isisombululo. Khumbula ukuba ummeli wakho we-inshorensi ukhona ukunceda.
- Xhasela enye inkampani yomshuwalense wekhaya okanye ezimbini uze ubacele ukuba baqikelele iindleko zokuvuselela indawo yokuhlala kwaye banikeze inkcazo. Ukuba kukho umahluko kwiindleko, beza nabo, babuze ngawo, ukuba yonke ingcaciso iyafana neyezinye iinkcukacha zakho enye i-insurer kufuneka ibe yinto efanayo, kuba i-inshorensi isebenzisa izixhobo zokulinganisela ezifanayo (ukuba akunjalo) ukucacisa iindleko zokuvuselela.
- Ukuqesha i-appraiser ozimelayo eyamkelwa yiinkampani ze-inshorensi kwiimvavanyo ze-inshorensi. Ngaphambi kokuba wenze oku, qinisekisa ukuba inkampani yakho yomshuwalense iya kwamkela ingxelo oya kuthi u-appraiser uza kukunika, awufuni ukuchitha imali kule nto ukuba ayiyi kwamkelwa yinkampani yakho yinshuwalense. Umhloli wenkxaso kufuneka asebenzise izixhobo kunye nezindlela eziyimvume yenkampani yomshuwalense. Ungaphinda ufune ukuba uqaphele ukuba kwiimeko ezininzi ukuhlolwa kwezindlu kwangaphakathi kuya kuchaneka ngakumbi kwaye ngoko kungakhokelela ekuveliseni imali ephezulu. Kwezinye iimeko, zenza iziphumo zokuvavanya eziphantsi, kodwa ukungafani kwakungekho nto eyahlukileyo. Unokuba ufuna ukuxelela umntu ongenamaphepha phambi kokuba uwaqeshe uqikelelo osuke unayo, kunye neendleko nganye ngelanga lesikwerelo wakho umshwalense osetyenziswayo. Umdlali ongcono wendawo uza kukwazi ukunitshela i-bat ukuba ngaba kuluhlu oluqhelekileyo kwaye unokukwazi ukukusindisa imali nexesha.
Ukuphononongwa kweeNkxaso zeeNkxaso zeeNkcazo zeKhaya kunye neNkqubo yoMgaqo
Iiinkampani zomshuwalense zihlala zibonelela ngeendidi eziliqela ze- inshurensi yokufumana amakhaya
Ukuqonda Iindleko zokuQinisekisa eziQinisekisiweyo kunye nexabiso lokuhlala
Iindleko ezithengiswayo eziqinisekisiwe zikuqinisekisa ukuba ube nexabiso lokubuyisela, kunye neepesenti ezithile phezu kwexabiso lokuhlala le-insured xa iindleko zokwakha kwakhona ziphela ziphezulu kunokuba zikulindeleke xa kwenzeka ibango. Ezinye iinkampani zinokuthi zifake ixabiso eliqinisekisiwe ukuya kuma-125 ekhulwini lexabiso lakho lokuhlala kwi-insured; abanye banganikela ngokutshintshwa okuqinisekileyo "kungakhathaliseki ukuba yiyiphi indleko." Buza ummeli wakho we-inshorensi ukuba unjani uhlobo lwe-inshurensi yasekhaya . Ukuqinisekiswa okuqinisekisiwe ngokutsha kukufuna ukuba uqinisekise i-100 ekhulwini leendleko zokuhlaziywa kwendawo yokuhlala. Olu luhlobo oluhle kakhulu lokubhengezwa ngokuba lukhusela kungakhathaliseki ukuba yintoni, kodwa unayo enye indlela enokubiza.
Ukuqonda iindleko zokuTshintshisa
Iindleko zokutshintsha zihlukile kuneendleko zokutshintshwa eziqinisekileyo ngenxa yokuba ayiyi kuhlawula ibango ngaphezu kwexabiso eliqinisekisiwe. Ukuba uziva uvavanyo lwakho lokuhlawula i-inshurensi yasekhaya luphezulu kakhulu, kwaye awucingi ukuba ufuna ixabiso lokubuyisela eliqinisekileyo, kwaye uqinisekile ukuba inani elingaphantsi kwexabiso lakho lokuhlalutya liyakukukhawulela ngokwaneleyo kwibango, ngoko unokuthatha amathuba kwaye ubuze inkampani yakho yomshuwalense ukuba kukho ithuba lokunciphisa ixabiso le-inshurensi ngokufumana indleko yokutshintsha, ngokumalunga neendleko zokutshintshwa eziqinisekisiwe.
Iimeko zokufumana iindleko zokutshintsha ziqhele ukuba uqinisekisa ipesenti ethile yexabiso lokuhlala lekhaya lakho. Abatshutshisi abahlukeneyo banikela izicwangciso ezahlukeneyo, ngokuqhelekileyo zibekwe kwimfuneko yokuqinisekisa ukuba i-80 okanye i-85 ekhulwini yexabiso lokwakha kabusha. I-inshurensi ihluka ngolawulo, ngoko qiniseka kwaye ubuze malunga nale nto evela kwi-insurer yakho. Oku kungakuphepha ingxabano epheleleyo malunga nokuba ingahlawulwanga yini ixabiso kwaye ikuvumela ukuba ube nomgangatho ophakathi okhuselekileyo ukuba ukhululekile ngokuthatha ingozi.
Indlela Umgangatho Womshuwalense Wakho Utshintshwa ngayo Ukwandisa okanye Ukunciphisa Ixabiso Lokuhlala Kwama-insured
Uninzi lweziganeko zokubambisa umgaqo-nkqubo we-inshorensi yomnini wezindlu unikwe njengepesenti yexabiso lokuhlala kwinqwelo-mali. Ngokomzekelo, izinto zakho neempahla zakho zingasetwa kuma-70 ekhulwini kwindleko yokwakha, kwaye iindleko zakho zokuhlala ezongezelelweyo zingafakwa kwi-10 ekhulwini okanye kwi-20 ekhulwini. Nanini na ixesha lakho lokuguqulwa kwexabiso le-insured, qiniseka ukuba uhlolisisa indlela eya kuba nefuthe ngayo yonke i-coverages kumgaqo-nkqubo wakho. Ingakumbi apho idibene nezoqulatho kunye nezinto zakho. Ngamanye amaxesha ukubaluleka kwezinto ekhaya lakho kunokufaneleka ngaphezu komntu ophakathi. Kule meko, ufuna ukuba uqaphele xa unciphisa ixabiso lakho lokuhlala kuba liya kunciphisa i-inshorensi ehambelana nayo:
- Iindleko zokuphila ezongezelelweyo
- Okuqulethwe ngumntu
- Izakhiwo ezizimeleyo kunye nezongezelelweyo
Ukunciphisa ixabiso lendawo ye-inshorensi yasekhaya akuchaphazeli ukukhutshwa kwemfanelo kwi- policy yakho yasekhaya , abakhweli okanye ukuvumela okukhethekileyo , okanye imida ekhethekileyo kumgaqo-nkqubo.
Ziziphi ezinye iindlela ezikhoyo zokugcina iindleko ze-inshurensi?
Ukuba emva kokuvavanya iimeko kunye nezikhethi zokuba kutheni ixabiso lakho le-insured lihlala phezulu njengoko ufuna ukufumana iindlela zokulondoloza kwi-inshurensi,
- Cinga ukwandisa i-deductible kumgaqo-nkqubo wakho; oku kungakugcina kwi-40 ekhulwini kwiindleko ze-inshorensi.
- Bundle i-inshurensi yakho: Unokucela i-quote yakho yomshuwalense wekhaya kunye neyomoto kunye nenkampani efanayo kwaye usebenzise iindleko zokugcina imali kwi-inshurensi yakho.
- Fumana izicaphulo kunye nezinye iinkampani. Abantu abaninzi banenkxalabo yokuba ukuba bayakukhansela umgaqo-nkqubo ngaphambi kokuba bahlaziywe, baya kuhlwaywa ngesigwebo sokukhansela . Into eninzi abantu abangayiqondiyo ukuba ukuba ukhansela umgaqo-nkqubo phakathi kwexesha okanye ngaphambi kokuba uhlaziye i-inshorensi yakho ukugcina imali okanye ufumane iifowuni, kufuneka uhlawule ngokutsha ukucima umgaqo wakho kwangoko.