Ngaba Unayo iingubo, iiAntiki okanye UbuGcisa obuGcisa? Cinga ngomgcini
Yintoni umRhasi weRishurensi okanye ukuVunywa ?
Umgibeli wakho kumgaqo-nkqubo womshuwalense wekhaya, owaziwa nangokuthi uyagunyazisa, uvumela ukuba ungeze ukugqithiswa ngaphezulu nangaphezulu kwe- insurance policy coverage .
Abakhupha i-Inshurensi yaseKhaya Khusela Izinto zakho eziPhakamileyo
Isizathu sokuba imigaqo-nkqubo ye-inshorensi yokuhlala yokuhlala inezithintelo kwizinto ezixabisekileyo eziphezulu kunye nezinto eziqokelelanayo kukuba i-inshurensi yomgaqo-nkqubo ebhaliweyo ibhalelwe ukuqinisekisa indlu ephakathi. Ngokunciphisa izithintelo kwizinto ezisiseko, ixabiso lomgaqo-nkqubo lihlala linengqiqo kumakhaya aphakathi. Xa unempahla ephezulu, okanye ngaphezu komyinge woluntu jikelele ovuyiswe ngumgaqo-siseko, unokhetho lokungena umkhweli okanye ukuvuma kwi-inshorensi yakho yasekhaya.
Ngaba Ngaba Ufuna Ngempela Umgcini We-Inshurensi Yakho Ekhaya?
Ukuba unommeli we- inshurensi efanelekileyo , baya kuthatha ixesha lokukunceda uqonde umgaqo-nkqubo wakho womshuwalense uze ubuze imibuzo eninzi. Kwaye nabasebenzi abalungileyo abakwaziyo malunga nakho konke onakho. Kubalulekile ukuba ukwazi ukuba yintoni efunyenwe kunye nento engekho kwi-inshurensi yomninikhaya ngaphambi kokuba ufune ukufaka ibango.
Izinto ezininzi ezinjengeMigangatho yasemdeni, iigrafu kunye nobuGcisa obuhle okanye iiAntiqui, mhlawumbi Mfuna uMgcini
Ukuba unempahla ethile ebiza kakhulu, njengezinto zokugqoka, iimvalo zangasese, ama-antique kunye nobugcisa obuhle ungathanda ukucinga ngomgibeli kumgaqo-nkqubo wakho womshuwalense wendawo. Umgibeli okanye ukugunyazwa kufana ne-"mini-inshurensi nkqubo" yongezwa kumgaqo-nkqubo wakho we-inshorensi yakho yangoku kwaye iya kunika ukukhusela okungekho kwizinto ezithile ezingabandakanywa okanye zibe nemida ephantsi kumgaqo-nkqubo we-inshorensi yomninikhaya.
Iindlela ezingasetyenziswayo kubanini be-Intshurensi: Ukufumana i-Intshurensi yasekhaya ephezulu
Ukuba ufumanisa ukuba uninzi lwezinto ezingaphelelwanga okanye ezingabandakanyiyo kwi-coverage yakho, kusenokuba ixesha lokuba uqwalasele i-inshorensi evela kwinkampani yomshuwalense ophezulu. Uninzi lwabantu bacinga ixabiso eliphezulu lenshurensi yasekhaya liya kuba kubi kakhulu, kodwa ukuba ucinga ngeendleko zokulahlekelwa kwakho ukuba unayo ibango kwaye awuqinisekisiwe kakuhle, iindleko zincinci. Kuya kufuneka ube nokucwangcisa izinto ezincinci kubagibeli kuba imida yabo yomgaqo-nkqubo iphakamileyo ngenxa yokuba bayayilungela kwaye bayalindela ukuba uya kuba nezinto ezininzi, kubandakanya ubugcisa obuhle, ubucwebe, iqoqo yewayini kunye neengqangi. Imigaqo yawo yakhiwe ukuqinisekisa abantu abanezi zinto.
Ufuna ukufunda okungakumbi malunga nabagibeli abahlukeneyo abangafumaneka kumgaqo-nkqubo wakho, njengendoda yokukhwela ngegolide?
Uluhlu lwabaQhibi beeNkxaso-mboleko eziqhelekileyo okanye abaNikezelweyo
Zininzi iintlobo zabagibeli abangenakongezwa kumgaqo-nkqubo womshuwalense wekhaya. Umgibeli uyagunyazisa. yakho yomshuwalense. Ukufumana i-premium eyongezelelweyo, ukugunyazwa okanye umkhweli unokongezelela eyongezelelweyo kwipolisi yakho yezinto ezinokubaluleka kwexabiso eliphakamileyo onokudinga inshuwalense eyongezelelweyo ngenxa yokuba mhlawumbi iyakucinganiswa okanye ingabandakanywa kwi-inshorensi yakho.
Iimpahla zobuncwane
Imigaqo-siseko yezindlu ezisemgangathweni ingabhalela ubuncinane njenge-$ 1,000 yezinto zokugqoka. Ukuthenga umkhweli weebhantshi akubizi kwaye kuyakukhusela isiqwenga ngasinye sezinto zobungcweti ongenawo kuphela umonakalo kodwa ubusela kwaye kwezinye iziganeko ziyabonakala. Ezinye iindawo ezikhethileyo zokugqwesa iingubo zabagadi ziza kubandakanya ukukhutshwa kwecatshulwa elahlekileyo ukuba ilitye okanye igugu liphuma kulo. Yonke inkampani ye-inshorensi iyahluke ngoko ke qiniseka kwaye ubuze ngqo indlela umgibeli wakho oza kukukhusela ngayo kwaye ukuba uya kuba ne-deductible.
- Iingcebiso zeRider zeBlue
Qinisekisa xa ufumana ipolisi yakho nganye yexabiso eliyigugu lezinto zokuziloba onazo livumelanisiweyo kwixabiso elibhalwe kumgaqo-nkqubo, ngoko akukho nto ingquzulwano ukuba kufuneka wenze ibango.
Ukuba ugcina izinto zakho ezixabisekileyo kwibhokisi lokubambisa ukhuseleko okanye ibhokisi ekhuselekileyo yomlilo, unokukwazi ukufumana izaphulelo ezongezelelweyo okanye abagibeli abahlukeneyo. Iigrafti azibandakanyi nje iintsimbi zakho eziqhelekileyo zeeparele okanye amacici edayimane kodwa kufuneka zibandakanye nayiphi na iilindo eziphezulu. Abantu bacinga ngezinto zokugqoka kwaye badla ngokucinga ngeendwangu zowesifazana, kodwa khumbula ukuba amadoda anezinto zokugqoka, xa ubala yonke into engama-$ 1000 umda ongenakukuthatha kude kakhulu.
Imifanekiso kunye neAntiques Rider
Umgibeli wezobugcisa kunye neengqungquthela zithengi kakhulu, ngoko kuyafaneleka ukuba iindleko zokongeza kwipolisi yakho. Enye yeengxaki ngemigaqo-nkqubo eyimigaqo kukuba izinto ezingenakutshintshwa okanye zilungiswe ngendalo yazo zihlawulwa kuphela kwixabiso labo langempela kwixesha lokulahleka, elingachithwa njengexabiso elithinteleyo. Ubugcisa kunye neengqungquthela zivame ukuxabisa ngaphezu kwexesha, ngoko-ke umgaqo-nkqubo ubaluleke kakhulu xa unobuninzi bobugcisa okanye i-antiques. Qinisekisa ukuba uxubusha imingcele kunye ne-inshente yakho kunye nokuqonda ngokugcwele isiseko sokubanjiswa kwamabango kulezi zinto, kwaye uzame uqinisekise ukuba umgibeli, kwixabiso elivunyelweneyo okanye ixabiso lokubuyisela. Kufuneka ulindele ukuba ube nokuvavanya okanye izatifikethi zobungqina bokubonisa ukulahleka kwakho kwibango kwaye uqinisekise ubungakanani.
Silverware kunye neFurs
Ubungakanani be-silverware kunye neentsimbi zingabakho kwimida ekhethekileyo yomgaqo-nkqubo wakho wasekhaya. Ukuba unayo ibango, awukwazi ukufumana ukulungiswa okufanelekileyo kwixabiso elipheleleyo leefurs kunye ne-silverware ukuba awunayo kumgibeli. Ngeendlela zokuphila eziguqukayo, i-silverware kunye ne-furs asithandwa njengokuba bekunjalo, kodwa abantu abaninzi banaloo nto, kaninzi njengelifa.
Umbhobho wamaMpuma
Umbhoxo we-Oriental ungaphinda ube neenkcukacha ezingaphelelwanga phantsi kolawulo lwama-inshorensi yabanini. Amaqumrhu e-inshurensi yabanini-makhaya ayazi iindwangu zasempumalanga zibiza kwaye zidla ngokuzibandakanya kumgaqo-nkqubo wakho. Ngokuxhomekeke kwenkampani yakho yomshuwalense, ukuhanjiswa kungapheli. Ukuba ungathanda ukuqinisekisa ukuba iindleko zemigangatho yakho yaseMpumalanga zibuyiselwa xa zonakalisiwe, ngoko kufuneka uthenge umkhweli we-inshurensi kubo.