Oku Kuye Kufihliwe
Umgaqo-nkqubo wakho womshuwalense wekhaya awuyiyo iwaranti yesikolo, nokuba ungowokuqala ekhaya umthengi, uhamba kwikhaya lakho lesibini okanye lesithathu, i-condo entsha okanye nokuba uthengisa ikhaya lakho, unokufuna ukufunda ngeenzuzo zegrant ukukunceda ukuba wenze isigqibo sokuba uthenge enye ngaphezu kwinshuwalense yakho yasekhaya .
Yintoni iWarranty yaseKhaya?
Iwaranti yesikolo imveliso ejoliswe ukujonga imiba eyahlukileyo yekhaya lakho kwaye ikuncede ngemali xa ufuna ukulungisa. Iwaranti yesikolo injengeenkonzo kwaye ngamanye amaxesha inkontileka yokutshintshwa kwizinto eziphambili ekhaya lakho.
Ngokwenene, ukuba unesiqinisekiso sekhaya ekhaya, ke unesivumelwano sesevisi ukuncedisa ukuba kufuneka wenze ukulungiswa kweendleko okanye kwezinye iimeko, ukuba ufanele ubeke izinto ezikhethiweyo zekhontrakthi ekhaya lakho.
Abaqinisekisi abaqinisekisiweyo bafana neengcamango, ngaphandle kokuba bafaka izixhobo ezithile okanye izinto kwixesha elichaziweyo, iwaranti yesikolo isebenza ekukhethiweyo kwezinto ezininzi ekhaya ngokuxhomekeke kwisivumelwano sakho.
Ngokomzekelo, ezinye iziqinisekiso ziza kugubungela yonke into esuka kwiinkqubo zeHVAC, iiplumbing, izinto zokusebenza ezinqwenelekayo, kwizixhobo kunye neenjini zabo, kuxhomekeke kwiinketho zokukhawulela. Unokukhetha kwi-postwarranty homework coverage kwi-coverage enkulu ngokuxhomekeke kwiimfuno zakho, uhlahlo lwabiwo-mali kunye nokuba ungakanani umngcipheko ocinga ukuba unakho.
Iyiphi iWarranty yasekhaya eyiNtle?
Iprogram yesiqinisekiso ngasinye sekhaya inikezela ngamanqanaba ahlukeneyo omsebenzi kunye neemeko zokupapashwa. Iiprogram zemvume zekhaya zingabhalela izinto ezinokuthi zithengise izinto ezinjengemimoya yomoya, iimbambo zombane okanye nezinto zokusebenza. Siza kuphonononga ezinye zezinto ezilapha ngasentla, kodwa akukho ndlela yokuthetha iwaranti enye ekhaya.
Inkontileka yesiqinisekiso sekhaya esona sigqwesileyo yayiza kukunika ukhuselo olufunekayo lakho kwikhaya lakho. Ngaphambi kokuba sihlolisise ezinye zeempawu zemiganci yasekhaya kunye nendlela yokufumana eyona nto ibhetele kwimeko yakho, makhe sicacise indlela iwaranti yesikolo eyahlukileyo ngayo kwi-inshorensi yomgaqo-nkqubo we-inshorensi yasekhaya.
Uluphi Uhluko phakathi kweWarranty yaseKhaya kunye neNtshurensi yaseKhaya?
Iimqinisekiso zemakhaya kunye ne-inshorensi yasekhaya zizikhusele iimeko ezingalindelekanga. Umahluko kukuba kwipolisi yakho yomnini-ndawo akukho zizathu malunga nokugqoka rhoqo kunye nokuphazamiseka kwemishini. Ukuba i-dishwasher yakho iyaphuka, okanye inkqubo ye-air conditioning ihluleka, ukutshintshwa kwangaphambili kwezi zinto okanye ukulungiswa akuyi kuhlanganiswa nangona umonakalo obangelwayo ungabhekiswa kwibango , umzekelo, ukuba kukho umonakalo wamanzi .
Iwaranti yesikolo yenzelwe ukufihla izinto ezininzi ezingaqhelekanga nge-inshurensi yasekhaya yinto eyenza ukuba umkhiqizo unomdla kubo abaninzi ababuyisela ekhaya.
Unokufumana iWarranty yaseKhaya yeCondo?
Ewe, uqinisekiso lwekhaya lungabanikazi bepropati ngoko ke ukuba unayo i-condo okanye indlu, usasebenzisa iwaranti yesikolo. Umzekelo, ukuba iwaranti yakho yasekhaya ifaka i-dishwasher yakho, okanye i-air conditioning okanye i-plumbing, usengumthwalo wale nto xa unesigodlo, njengoko uza kuba kwikhaya.
Iwaranti yesikolo ingaba yinto ebalulekileyo kakhulu kubaphathi bezindlu kunye nabanikazi be-condo ngokufanayo.
Ungayithenga Ubungqina beWarranty Home ukusuka kwiNkampani Yakho Yomshuwalense Wasekhaya?
Nangona i-warranty coverage ayikho inxalenye yomshuwalense wakho wekhaya, ummeli wakho we-inshurensi yasekhaya okanye umthengisi unakho ukukhetha okunye. Ngenxa yokunyuka kwamanqabana asekhaya, abaninzi bango-inshurensi basekhaya baqala ukubonelela ngeempazamo ezingenakongezwa kumgaqo-nkqubo we-inshorensi kwizixhobo zewaranti.
Qinisekisa ukuba ucela inkampani yakho yomshuwalense wekhaya ukuba ngaba unokwamkelwa angayongezayo okuza kukunika uhlobo oluthile lokubhengezwa olufunayo ngaphambi kokukuthenga kwenye indawo. Emva koko ungasebenzisa uludwe lwezinto eziqhelekileyo ezifakwe apha ngaphantsi ukuthelekisa apho uya kuba neyona nto ikhuselekileyo kwixabiso elifanelekileyo.
Ngaba kufuneka uthenge iWarranty yakho yaseKhaya kunye ne-Intshurensi yasekhaya ukusuka kwindawo efanayo?
Inzuzo yokuthatha iwaranti yesikolo njengendlela yokubambisana nomgaqo-nkqubo, okanye ukuba ngumntu ofanayo okanye umthengisi, ukuba ukuba unesimo esiphuthumayo esisodwa esifuna ukukhutshwa kwi-inshurensi yasekhaya kunye newaranti yakho yasekhaya uza kufuneka ujongane nendawo enye kwaye mhlawumbi enye ibango.
Oku kunokukusindisa ixesha elininzi neengxaki.
Yintoni efihliweyo yiWarranty yaseKhaya?
Nazi ezinye zezinto ezinokuthi zifakwe kwi-servicing, ukutshintshwa okanye ukungasebenzi kwiprogram yesiqinisekiso sewaranti, khumbula yonke inkqubo yewaranti yesikolo ilawulwa ngabanye, ngoko qi niqiniseke kwaye ubuze iinkcukacha ezithile zenkqubo ocingela ukuthenga ngaphambi kokuba uzibophezele isivumelwano, ezi ziyimimiselo yento enokuthi ikhutshwe zizicwangciso ezahlukeneyo zokukunceda uthenge iwaranti enhle:
- Plumbing
- Ukwakhiwa kwamandla kunye nezibonelelo
- Izixhobo ezifana nezifriji, ama-washhers, i-dryer, izitofu kunye neerishwasher
- IiHVAC
- iinkonzo okanye ukulungiswa kweenkonzo ngabaqeqeshi abanjengo-plumbers kunye noombane
- iziphene eziphambili
- ukulahlwa kwelahla
- abalandeli bepala
- iibhubhe zokuhamba ngamanzi
- iijacuzzis, amachibi kunye nama-spas
Ziziphi iindlela ezahlukeneyo Xa ukhetha iWaranti yesiKhaya
Unokuba neenkalo ezininzi ezikhoyo kwizicwangciso zewaranti zasekhaya, qiniseka ukuba ucela zonke iinketho uze unqume ukuba yeyiphi inkontileka yenkonzo oya kuyidinga. Nazi ezinye izibonelo:
- Izicwangciso ezifaka iifowuni kuphela
- Izicwangciso ezifihla iinkqubo ekhaya lakho, njenge-vacuum ephakathi, i-HVAC
- Izicwangciso ezibandakanya izixhobo kunye neenkqubo
- Izongezelelo zezixhobo okanye iinkqubo ezinokuquka amachibi okubhukuda, ama-whirlpools, i-saunas, i-spas, njl.
Imibuzo Yokubuza Nge-Warranty yaseKhaya ngaphambi kokuba uthenge
- Ngaba kukho imida nganye kwenkcazo. Ingaba kukho iindawo ezithile zeempahla ezifakelwe ngaphandle? Ngaba kukho imali ephezulu ehlawulwayo?
- Ziziphi iirhafu?
- Luhlobo luni lweenkonzo zokufowunelwa? Ingaba kukho umda malunga nokuba zininzi iinkonzo zenkonzo?
- Ingaba kukho umrhumo wokuba uchwepheshe afike aze ahlole ukuba kukho into ehlanganiswe okanye ayikho? Kukho inkokhelo yenkonzo ehlawulwayo ngaphezu kwe-deductible yakho.
- Ngaba kufuneka usebenzise unxibelelwano lwabo lweenkontrakthi kunye nabasebenzi benkonzo, okanye unokhetha owakho?
- Iyintoni inkqubo yokwenza ibango? Uya kuhlawulwa njani?
- Ngaba kukho ixesha lokulinda?
- Ziziphi iintlobo zomonakalo ezingabandakanywa? Cela imimiselo ukuqinisekisa ukuba uyayiqonda uluhlu lwengxelo. Uninzi lweemeko lunokuba lukhohlakele kwaye lube nemingcipheko okanye imingcele, ngokukodwa ngamagesi kunye nokubhobhoza, indlela abayichaza ngayo imeko ekhoyo ngaphambili iya kubaluleka.
Qaphela ukuba isicwangciso ngasinye sichaza iinkcukacha zoluphi uhlobo lwenkonzo abazimisele ukubonelela xa ulungiswa, ukutshintshwa, njl.
Ufuna nokufumanisa ukuba iwaranti iyanqunyanyiswa yiminyaka yesiphelo, ezinye iziqinisekiso zingachaza ukuba ziquka kuphela izinto zokusebenza eziyiminyaka eyi-10 nangaphantsi, umzekelo. Ezinye izicwangciso azibandakanyi iifriji.
Kubalulekile ukubuza imibuzo eninzi malunga nendlela yokwenza ibango kunye noko ukulindela ngaphambi kokuba uthathe isigqibo.
Ukuba uzama ukuqhathanisa izicwangciso, ungaba neentloni ukubuza ukuba isicwangciso esilubhekayo silingana nesinye.
Ngamanye amaxesha abathengisi bayazi abakhuphisana nabo kwaye kufuneka bakwazi ukucacisa isizathu sokuba isicwangciso sabo sihle.
Ngaba Unako Ukufumana IWaranti Yasekhaya Yenkululeko?
Iimqinisekiso zakwakhaya zingabandakanywa njenge-perk xa uthenga indlu entsha . Ezinye i-arhente zezindlu okanye abadayisi banokunika iswarranty yasekhaya eyincinci njengenxalenye yexabiso elongezelelweyo enkonzo abanikelayo xa bathengisa ikhaya. Kule meko, iwaranti ingaba yithuba elilodwa lonyaka, kwaye inokuthi iquke i-coverage kuphela.
Ukuba uthenge ikhaya elitsha, umakhi unokunikezela ngewaranti yesiqhelo yasekhaya kuba lwakhiwo olutsha. Oku kunokwenziwa kumda wombane, iplumbing, isakhiwo kunye nenkqubo yokumisa umoya. Uyakwazi ukufumana ingxelo epheleleyo ngakumbi kwisivumelwano somqinisekiso sesiqinisekiso sekhaya.
Abanye ababolekisi bemali mboleko banikezela newaranti yesikolo samahhala njengenxalenye yexabiso labo elongeziweyo kunye neenkonzo. Unokubona ukhetho lokungena okanye ukuphuma kwiwaranti yesikolo xa usayine amaxwebhu akho okuboleka.
Ukuba ufumana iwaranti mahhala, qiniseka ukuba uyayiqonda into ekufuneka uyenze ukuba ufuna ukuyikhansela emva kwexesha lokukhulula, uze uqhathanise oko kuhlanganiswe neentlobo ezahlukeneyo ze-warranty zokukhetha esizixubushe ngasentla. Ukuba ufuna ipakethe yokufumana iwaranti efanelekileyo, kufuneka ucele ukuba ube nolwazi olungakumbi kunokucinga ukuba yilokho okukufunayo.
Ukuthenga iWarranty yaseKhaya xa uthengisa ikhaya lakho
Ngendlela efanayo, i- arhente ye- real estate okanye umthengisi angakunikeza iwaranti yesikolo xa uthenge ikhaya elitsha; umthengisi angakhetha kwakhona ukuthenga iwaranti yesikolo xa bebeka ikhaya labo kwimarike. Oku kunokuba luncedo kakhulu kumthengisi , okanye i-agent ye-estate agent ezama ukuthengisa ikhaya ngenxa yokongeza inqanaba elongezelelweyo lenqabiseko kunye nokuzithemba kwabathengi. Yingakho ungabona ikhaya elithengiswa ngewaranti yesikolo edibeneyo kwi-deal.
Ngaba Iimvume Zasekhaya Ziye zahlaziywa?
Ukuqinisekiswa kwekhaya kukudityanisiweyo . Ngendlela efanayo, unokusebenzisa i-deductible ukugcina imali kwi-inshurensi yakho yasekhaya , unokukhetha ukuthatha i-deductible ephezulu kwisivumelwano sakho senkonzo yesiqinisekiso se-waranti ukwenzela ukuhlawula umrhumo wonyaka ophantsi.
Umzekelo weBango: IWaranti yaseKhaya kunye neNkxaso-mali yaseKhaya
I-dishwasher yakho inqumla amanzi aphumayo ngaphantsi komgangatho kunye nendawo yokugcina isakhiwo sakho sitshintsha iindonga kunye nefenitshala kunye nezinto ezonakalisayo. Yonke into kufuneka ichithwe kwaye ithathe indawo. I-inshurensi yakho yasekhaya ingaba negalelo lomonakalo wamanzi, kodwa ayiyi kugubungela ukutshatyalaliswa kweso sizathu somonakalo owenziwe ngunkunkuma. Khawucinge nje ukuba imbangela yokonakaliswa yinto ephahlayo yeso sixhobo, kwaye idinga ukufaka indawo endaweni yokuhlambela. Iwaranti yakho yasekhaya inokukufihla oku, kwaye umgaqo-nkqubo wakho womshuwalense wekhaya ungabhalela yonke imilayezo.
Umzekelo weWarranty yaseKhaya Ukuhlawula apho i-Intshurensi yasekhaya ayiyi kuba
Unokuhlolwa kwekhaya kunye nokuhlaziywa kweendleko zenkampani yakho yenkampani yomshuwalense, kwaye bafumanisa ukuba ukukhanya okukhawuleza kunokuthetha ukuba i-wiring idinga umsebenzi. I-inshurensi yakho yasekhaya ikuxelela ukuba yingozi enkulu yomlilo kwaye inkampani yomshuwalense ikucela ukuba wenze ukulungiswa ukugcina umgaqo-nkqubo wakho womshuwalense usebenza . Ekubeni kungekho nengozi okanye umonakalo okhawuleza okanye wengozi, umgaqo-nkqubo womshuwalense wekhaya awuyi kuhlawula ukulungiswa okanye ukugcinwa rhoqo. Uqhagamshelana nenkampani yakho yesiqinisekiso se-warranty, kwaye bathumela igosa ukuba lijonge kule meko kuba uthathe isivumelwano esilungileyo sokuncedisa kunye ne-add-ons kunye negalelo lombane wombane, bachonga umthombo wengxaki kunye noko kufuneka zenziwe kwaye zifihla ukulungiswa okuyimfuneko.