Umgaqo weNqwelo yoMqhubi
Masiqale ngombandela owodwa ngokuphathelele izingozi zezithuthi: Iqela eliphosakeleyo lihlawulwa nayiphi na umonakalo obangelwa yengozi. Ngoko ke, ukuba isithuthi siphepha ekhaya lakho, kwaye ukuphahlazeka kwakuyiphutha lomqhubi, ngoko uhlala kwinqanaba elibangelwa ekhaya lakho (okanye nayiphi na impahla, ngenxa yolu hlobo).
Le yilapho umhlathi womonakalo wepropati usebenza khona. Kwaye kunengqiqo, akunjalo? Umonakalo ekhaya lakho umonakalo kwipropati yakho, kunene? Ngoko, umonakalo womonakalo wepropati kumgaqo-nkqubo womqhubi uya kuhlawulela nayiphi na ilungiso efunekayo eyenziwe kwindlu yakho.
Oko kukuthi, ukuya kwinqanaba. "Inqaku" elikulo mbuzo ngumda wokukhawulela umonakalo wepropati kwipolisi yomqhubi. Ngokomzekelo, masithi isithuthi siphepha ekhaya kwaye sibangele imali engama-20,000. Umgaqo-nkqubo womqhubi we-auto-fault has a limitations limitage of coverage of $ 25,000. Kule meko, umonakalo wakho kufuneka uhlawulwe ngokupheleleyo ngomgaqo-nkqubo womqhubi. Kodwa kwenzekani ukuba umda wokuqhuba umyinge uyi-$ 25,000 kwaye ikhaya lakho lihlaselwa i $ 50,000 kwimonakalo?
Policy Policy
Ngaba uke wafunda ityala (okanye kungenjalo-ke) ukuprinta komgaqo-nkqubo womninikhaya? Ukuba kunjalo, mhlawumbi uyazi ukuba i -inshorensi yakho yomnini-mali iya kuhlawula nayiphi na imonakalo eyongezelelweyo ekhaya lakho ngasentla naphaya kwemida yomgaqo-nkqubo womqhubi we-auto-fault .
Ukuba awukhange ukhangele ngokukhawuleza ukuba yintoni i-inshurensi yomnini-propati yakho, ixesha lokukwenza oko.
Umgaqo-nkqubo oqhelekileyo womnini-mhlaba ukhusela umnini-mgaqo-mali ngomonakalo yakhe yokuhlala kunye nezakhiwo ezixhunyiwe (njengegaraji) ezibangelwa ziingozi ezifana nomlilo, umsi, ubusela, ukutshabalalisa, isivunguvungu, nabanye, kuquka nezithuthi.
Ngokuqinisekileyo, imigaqo-nkqubo yomnini-standard standard ichaza ngokucacileyo "izithuthi" phakathi kwale monakalo eyingozi eyenza.
Ngaba oku kuthetha ukuba unokuphefumula kakhulu ukukhulula kwaye ubuyele kwishishini lakho eliqhelekileyo? Phantse. Usadingeka ukuba ufunde umgaqo-nkqubo wakho womnini-mali ukuze uqiniseke ukuba uhlawulela ngokukhawuleza umonakalo ngenxa yezithuthi. Ukuba awuboni "izithuthi" ezidweliswe okanye unemibuzo malunga nesi sifundo, qiniseka ukuba uqhagamshelane ne-ASAP yakho.
Yintoni eyenzekayo Ukuba umntu Oqhubayo endlwini yakho nguwe
Unokumangaliswa ukwazi ukuba, ngokubanzi, imithetho efanayo ifana nomnye umntu ophazamisa ekhaya lakho. Uya kufuneka wenze ibango kumgaqo-nkqubo wakho wenzalo nawuphi na umonakalo kwisithuthi sakho kodwa, kwiimeko ezininzi, uza kwenza ibango kumgaqo-nkqubo womnini-mali wokulimala kwindlu yakho yokuhlala. Kwakhona, kubalulekile ukuba ufunde ipolisi yakho ngokucophelela ukuze uqiniseke ukuba uhlanganiswe kule imeko ethile. Akukho mibuzo? Biza umnxeba wakho.
Deductibles
Enye into. Ngenxa yokuba ezininzi iinkqubo zomnini wezindlu ziza nexabiso elincinci, ukufaka ibango kungabiza. Akunakulungele ukuba ukuba umonakalo wakho ekhaya awuncinci. Kwakhona, ukuba isithuthi sakho sibangele umonakalo ekhaya lakho, mhlawumbi uza kwenza amabango kwimigaqo-nkqubo yakho yemoto kunye nomnini-propati, kwaye oko kunokuthetha ukuhlawula ama-deductibles amabini.
Ukuba unemigaqo-nkqubo emibini kunye nenkampani efanayo yomshuwalense, kunjalo, umkhuseli-mali ungashiya enye yee-deductibles. Ngoko, kuya kufuneka ukuba ucinge ukubeka yonke imigaqo-nkqubo yakho kwinkampani enye.