Iingcebiso zokufumana uMgangatho oPhezulu weKhaya lakho elenziwe
Kwakusetyenziswe ukuba loo makhaya ayenziwe okanye ahambayo asemgangathweni kodwa ezi ntsuku unokufumana imimandla enhle kakhulu nenhle eyenziwe. Uluhlu lwezindlu zasemakhaya kumgangatho, iimpawu, kunye nesitayela ziyahluka kakhulu. Iimpawu kunye neemfuno zabathengi ziye zadala iimfuno ezintsha kwiintlobo ezininzi zezindlu zaselula, njengemimandla eyenziwa ngokomoya, njengomzekelo omnye.
Iingxowa-mali zeNkxaso-mali zaseKhaya
Imfono okanye amakhaya akhiqiweyo akanalo iziseko, ziphathekayo. Nangona ungeke uqaphele umahluko xa uhlala kwikhaya elisekhaya, ngokubhekiselele kwikhaya elakhiweyo rhoqo, kukho ukumahluko kwi-insurance coverage.
IiNkcazo zeeNkcazo ezikhethekileyo kwiiHome ezenziweyo
Ukwahlula okubalulekileyo kwindlu ephathekayo okanye ekhutshweyo ngokumelene nomgaqo-nkqubo womshuwalense wekhaya eliqhelekileyo kukuba unokufuna ukukhutshwa ngexesha lokuthutha. Umgaqo- nkqubo womshuwalense wekhaya oqhelekileyo awugcini ukuhambisa indlu ukusuka kwenye indawo ukuya kwenye.
Inqwelo yomshuwalense wemoto ayigqubuthe ikhaya elihambayo kwizothutho ngelixa litshintshwa kwindawo entsha.
Umnikezeli womshuwalense wekhaya wakho uyakunceda ukukufumanisa ukuba uyayifuna le ngxelo kwaye unokuchazela ukhetho lwakho. Olu hlobo lokubhengezwa aluyi kubandakanywa kumgaqo-nkqubo womshuwalense wekhaya eliqhelekileyo kuba ikhaya lendabuko ayisoloko lisetyenziselwa ukujikeleza.
Ukulungiselela Ukufakwa Kwekhaya Lakho Lefowuni Ngomshuwalense
Olunye umehluko oluphambili kukuba ngaphambi kokuba ikhaya linikezwe, umhlaba unokufuneka ulungele ukufakwa kwefowuni. Emva koko, xa ikhaya linikezelwa, lingahle lingaba nalo lonke ugesi kunye nokufakelwa kwamanzi, ngoko kuya kuba nexesha eliqhelekileyo apho ikhaya elihambahambayo liza kufuneka likhutshwe kwimigangatho yokuphila ngokufaka iifayile zokugqiba.
Ngokuthetha nommeli wakho we-inshorensi ogxininisekile kumakhaya asemakhaya, uya kufumana ukhuselo olufanelekileyo kunye neengcebiso ezifanelekileyo malunga nendlela yokujonganisa ezi meko. Uya kwazi nokuba ungasebenzisa njani umenzi wakho wasekhaya wasekhaya kunye nekontraka ekulungiseleleni ngokufanelekileyo xa uzikhusela.
Uluhlu lweeNkcazo zeeNkxaso zeeNkcukacha zeeMfono
I-Intshurensi Yasekhaya Ekhutshweyo inikeza ezinye zezona zinto ezisiseko ezinikezelwa ngamagosa amaninzi asekhaya
Iphulo: Xa ufumana iincutshu ze-inshurensi yasekhaya yakho qi niqiniseke kwaye uchaze indlela ikhaya lakho eliya kusetyenziswa ngayo. Izinketho zokubhengezwa kunye nemilinganiselo yamakhaya aqeshisayo, amakhaya eholide, amakhaya athile, okanye amakhaya asetyenziswa njengeendawo zokuhlala eziphambili anokungafani.
Ngenxa yoluhlobo oluthile lomngcipheko, ezinye iinkampani ze-inshurensi zasekhaya ezizodwa zingabandakanya ezinye izingozi ukuba umgaqo-nkqubo oqhelekileyo wekhaya awuyi kugubungela ngokuzenzekelayo, fundela malunga:
- Ubungakanani obuvela kuMhlaba, uMkhukula, iiNqantyambo kunye nezikhuselo zomoya okanye izithintelo .
- Ubungakanani obangelwa yingozi ngenxa yezilwanyana zasendle
- Uhambo lokuhamba xa ususa ikhaya lakho ukusuka kwenye indawo ukuya kwelinye
- Ukubuyisela umgca
IiNgcaciso zeAnsurance ezikhethekileyo zokubuza malunga Nefowuni okanye kwi-Intshurensi yasekhaya
Nazi ezinye izinto onokufuna ukuzibuza ummeli wakho womshuwalense wasekhaya malunga nokuba ufumana phi ukucaphula kwakho:
- Ukulimala kwimibhobho yokugqithisa okanye omnye umonakalo wamanzi
- I- inshorensi yeeNkcitho zeNdleko
- Indleko yomshuwalense
- Ubungakanani bezinto eziphathekayo kunye neempahla zabo
- Okukhethiweyo kwipropati yomntu , kunye nemida ekhethekileyo kumgaqo-qulatho wokubhaliweyo
- Ukuxhaswa kweNgcaciso
- Ukususwa kweNkunkuma
- Ngokomhlaba, umzekelo, imithi, izihlahla, izityalo kunye neengca
- Izakhiwo ezongezelelweyo, iintsimbi, izinamathiselo okanye amachibi okubhukuda
- UkuCwangciswa kweKhadi leMali-mboleko, iSiqinisekiso soKhuselo koBakho, okanye ezinye iinkcukacha ezifanayo
- Yintoni efunyenwe ngumthwalo kumgaqo-nkqubo wakho, kwaye ukuba kukho ukhuseleko lokuzilimaza kwindalo? Unokufunda okungakumbi malunga neziseko ezisisiseko kwiNkcazo ye-Inshurensi yasekhaya , kodwa khumbula ukubuza ummeli wakho we-inshorensi okubandakanyiweyo kwipolisi yakho kuba iifowuni eziphathekayo eziphathekayo kunye nezakhiweyo zasekhaya zingahluke kunomgaqo-nkqubo wekhaya.
Olu luhlu alubandakanyi yonke into yokuba ukugcinwa kwe-inshorensi kunye nokufumaneka kwezigubungelwano ziyahluka ukusuka kummandla ukuya kwilizwe, nangona kunjalo, olu luhlu luyindawo efanelekileyo yokuqala ukujonga ezinye iinkalo zekharityhulam yakho yasekhaya.
Ngaba i-Intanethi Yakho Yomnxeba Inokuthi ihlawulwe ngokubambisana kunye neBango?
Ngokomzekelo, njengoko uthengeza, ungabona into ebizwa ngokuthi "Ukuxhasana kokuThengiswa kweNdlela". Awunakuze ucinge ukuba xa kwenzeka ibango apho kukho ukulahleka okuyingcipheko, ungeke ukwazi ukufumana umgca wokumelana nenxalenye eseleyo yendlu yakho, kodwa le nto kanye into ofuna ukuyibuza malunga jonga ngokubuza imibuzo.
Njalo ubuze ummeleli wakho we-inshorensi ukuba unayo nayiphi na imivuzo yokunikezela.
Kuphi ukufumana ikhaya lefowuni okanye i-inshurensi yasekhaya ekhutshiwe
Uninzi lwababoneleli be-inshurensi abakhulu baneenkqubo ezikhethekileyo zeeFowuni okanye iiHomes ezenziwe. Kufuneka uqwalaselwe ukujonga kunye neenkampani ezimbalwa ukufumana ixabiso elifanelekileyo kunye negalelo. Unokubheka nge-insurer yakho yangoku ekhaya ukuba ubone ukuba unenkqubo ekhethekileyo kwaye ujonge kwakhona iinkampani ezikhethekileyo kwi-inshurensi yasekhaya.
Uludwe lweeNkampani zeSelula okanye iNtshurensi yaseKhaya eyenziweyo
Le yoluhlu lwezinye iinkampani ezinokukwazi ukukunika nge-Intanethi ye-Intanethi okanye Ekhutshweyo ngekhaya kunye nezixhumanisi kwiwebhusayithi. Yilungileyo lokuqala lokufumana izicaphuno.
Kubandakanywa kulolu luhlu lwabatshintshi ababhekiselwe ngokuqhelekileyo, kunokubakho abanye bomshuwalense bendawo kwingingqi yakho, ke qiniseka ukuba ukhangele kwindawo yakho okanye ucele abanye abanikazi basekhaya abanomdla ukuba yiphi na amava abo okanye ukuba ngaba nawaphi na ama-inshurensi ukucebisa .
- Wonke Urhulumente
- I-American Modern (AMIG)
- Intsapho yase-American Insurance
- Abalimi
- Eyona nto ibaluleke kakhulu (Ngokuya kwiwebhusayithi yabo, "yi-# 1 inkokheli yemakethe yomshuwalense wekhaya ekhaya".)
- GEICO
- Ekhaya
- MetLife
- Inkqubela phambili
- Ifama kaRhulumente
- USAA
Akudingeki ukuba uye ngqo ngqo kwi-inshurensi ukuze ufumane ukucaphulwa kwe-inshurensi yasekhaya. Ama-inshorensi ozimeleyo okanye abadayisi banokukunceda ngokukhangela iinkampani ezahlukeneyo ze-inshorensi egameni lakho.
Umzekelo. UkuthenjwaChoice inikezela ngolwazi kwiwebhusayithi yabo, ngokuthumela ii-agents ezizimeleyo ngokunjalo. Ukuba unamathele kwaye ufuna uncedo, unokuqhagamshelana ne -Ofisi yomkomishinala wakho we- Intshurensi .
Inkokhelo ye-Intanethi yaseKhaya ifaka njani iibango?
Xa uthengisa i-inshurensi yakho yasemakhaya kufuneka ucele malunga nokuba isiseko samabango esisombululo sisemgangathweni wakho.
Buza ukuba i-coverage yakho kwikhaya yindleko yokutshintshwa kwezinto ezilahlekileyo kunye neentlawulo ezikhethiweyo okanye ixabiso le-Cash real to lossal partials.
Icebo: Buza ukuba ixabiso lekhaya lizimisele kangakanani , emva kwexesha liya kuhlaziya?
Ezinye iinkqubo ze-inshorensi ziya kugubungela ikhaya lakho elikhutshwe kwiNkcitho yeNdleko yokuTshintshisa ilahleko ezipheleleyo, okanye intlekele enkulu, kodwa ke iya kukugubungela ixabiso langempela lemali ngokulahlekelwa okuyingxenye. Lo umehluko omkhulu kakhulu. Funda kabanzi malunga nexabiso langempela leeCash kunye neNdleko zokuTshintshisa .
Iindleko kukuphucula umgaqo-nkqubo wakho kwiindleko zokutshintshwa kungabi kubiza kwaye kunokukugcina amawaka eedola ukuba unayo ibango elikhulu.
Amanqanaba oMgangatho ohlukeneyo wokukhetha
Xa ufumana isicatshulwa sakho se-inshurensi yasekhaya yasemaphandleni kufumana amanqaku eempendulo ezahlukeneyo. Kungaba nzima ukuba ucele nje ixabiso elincinci, kodwa i-coverage engcono ayinakubiza ngaphezu kweyona "ephantsi". Sebenzisa olu luhlu olungentla ngenjongo yokukunceda ukuba ufumanise iziphi iingxelo ozifunayo uze uqhathanise ukhetho lwakho ukuze ufumane ukukhuselwa okusemgangathweni kotyalo-mali lwakho ekhaya.