Icandelo I: Abanikazi beKhaya Ukhuselo lweMpahla ye-Intshurensi
Abanikazi beeNkampani Umgaqo-nkqubo we-Inshorensi yenzelwe ukukhusela abanikazi basekhaya ngeengozi ezithile.
Ngokuqhelekileyo i- deductible xa ufaka isicelo se-inshurensi yasekhaya ngaphandle kokuba iphawulwe. Umgaqo-nkqubo womshuwalense wekhaya ngamnye unqunywe yimingcipheko egama kunye nokungafunyanwa kumgaqo-nkqubo. Qhagamshelana ne-arhente yakho okanye inkampani yomshuwalense malunga nayiphi na into engayifaka isicelo.
Ingaba uthengela umgaqo-nkqubo womshuwalense wendawo yasekhaya kwi-intanethi okanye kunye ne-ejenti yendawo , umgaqo-nkqubo we-inshorensi yabanini uyahlula zibe ziingxenye ezimbini:
- Icandelo I: Ukhuseleko lweMpahla ye-Intshurensi yasekhaya
- Icandelo II: Ukhuselo lweeNkxaso-mboleko zasekhaya
Ukuba umntu wayeza kujonga iphepha lokubhengeza i- inshurensi yasekhaya, edla ngokuba yiphepha lokuqala kumgaqo-nkqubo we-inshorensi yabanini, baza kubona iNxalenye I: Ukukhuselwa kweMpahla. Olu khuselo luvame ukuphulwa zibe ngamacandelo amane ezongezelelweyo:
- A. Ukuhlala
- B. Ezinye izakhiwo
- C. Iipropati zomntu
- D. Ukulahleka koMsebenzi
Ubungakanani A. Ukuhlala ngokuqhelekileyo kufaka indlu yakho, izakhiwo eziqhotyoshelweyo, izakhiwo kwindlu ezifana nezakhiwo ezakhelwe kuyo, izixhobo zokutshisa, ukufudumeza, iinkqubo zokufakela umoya, kunye ne-wire wiring.
Kukho ipesenteji enkulu yabantu abahlala phantsi kwabo kuba bengayiqondi indlela yokumisela inani elifanelekileyo lemali yokuhlala. Ixabiso le-insured lihlala lifanele lihlawulele indleko yokuvuselela kwaye kungekhona ixabiso lempahla.
Ubungakanani B. Ezinye izakhiwo zibandakanya izakhiwo ezinjengeemigaraji, ukugcina impahla, kunye nezixhobo ezixhomekeke kumhlaba kubandakanya izicingo, ii-driveways, iindlela zokuhamba, iipasati, kunye nokugcina iingonga.
Izakhiwo eziqhotyoshelweyo ezisetyenziselwa iinjongo zoshishino azihlanganiswa phantsi komgaqo-nkqubo we-inshorensi yabanini.
Ubungakanani C. Ipropati Yomntu siqu iquka ipropati yomntu siqu kuquka okubhalwe kwikhaya lakho nakwezinye izinto ezizezakho okanye amalungu omndeni ahlala nawe. Olu khuselo lunokusekelwe kwixabiso langempela lemali (ACV) okanye iindleko zokutshintsha . Imigaqo-nkqubo ye-inshorensi yasekhaya inganika uncedo olungaphelelanga kwizinto ezithile, umzekelo, iinqanawa ezincinci, nangona kunjalo, ezininzi iinkqubo ze-inshorensi zasekhaya azifihla iinqwelo ezihamba ngeenjini ngaphandle kokuba zingenagunya kwaye zisetyenziswe kuphela ekhaya lakho. Ezinye izinto zingaba nemida yokufikelela njengemibhobho, ubugcisa, ipropati yoshishino , idatha ye-elektroniki, ubucwebe kunye nemali. Ukukhutshwa okungekho ngokuqhelekileyo kufumaneka ngokufaka ukwamkela kwimigaqo-nkqubo yakho.
Ubungakanani D. Ukulahleka kwezinto eziqhelekileyo kubandakanya iindleko zokuphila ngaphezu kweendleko zakho eziqhelekileyo zokuphila ukuba awukwazi ukuhlala ekhaya lakho ngelixa ulungiso lwenziwe okanye ukuba unqatshelwe ukufumana ulungiso lukaRhulumente.
Kukho iipropati zeeNkcitho ezongezelelweyo kunye neepolisi zomshuwalense wabanini bezindlu zinikezela ngokufana nokususwa kweemfucuza kunye nemithi enobungozi kunye nezihlahla, iintlawulo zenkonzo yesebe yomlilo, ukususwa kwepropathi, ukweba okanye ukusetyenziswa ngokungekho mthethweni kwamakhadi okanye amakhadi okudlulisa , ukuwa kwezakhiwo kunye neglasi ukuphazamiseka xa kubangelwa iingozi ezibukhali.
Ukuvunyelwa kwakhona kunokongezwa kumgaqo-nkqubo we-inshurensi yomninikhaya ngeendleko ezongezelelweyo ukubonelela ngokukhuselekileyo. Imizekelo yeziphakamiso ziquka:
- Ukuqinisekiswa kweendleko zokutshintshwa okuqinisekileyo kuya kuhlawula iindleko zokuvuselela ikhaya lakho nje kuphela xa udibene neemfuno ze-inshorensi yakho yasekhaya.
- Ukongezwa kweendleko zokutshintshwa kweendleko kugxininisa ikhaya lakho ngexabiso elithile kwaye ngokuqhelekileyo longeza umda wokunciphisa u-20-25% xa iindleko zokuvuselela ziqhubeka.
- I-Inflation Guard ikhulisa inani le-inshurensi yomninikhaya ukuba uqhubeke nexabiso lokunyuka kwamaxabiso ukuze ukwazi ukugcina ingqalelo eyaneleyo yokubuyisela ikhaya lakho kwimeko yokulahleka.
- Ipropati yomntu ngamnye ekhuselekile ikhusela amanqaku afana neengubo, iintsimbi, izitampu, iimali zemali, izibhamu, iikhomputha, i-antiques, kunye nezinye izinto ezidlulileyo kwimigangatho yemigaqo-nkqubo yomgaqo-nkqubo we-inshurensi yabanini. Idla ngokubonelela ngegalelo elibanzi kunokuba igalelo lomgaqo-nkqubo we-inshurensi yasekhaya. Kukho ngokuqhelekileyo akukona ukuxhomekeka kwale ngxelo. Imilinganiselo eyongezelelekileyo kwimali nakwii-securities inikezela ngemali eyongezelelweyo ngemali, amanqaku eebhanki, iziqinisekiso, kunye nezenzo.
- Ukuhlala kwesekondari kunika ukhuseleko kwikhaya lesibini njengendawo yokuhlala ehlobo.
- Ukukhusela ukukhuselwa kwebabi kukhulisa ukukhutshwa kwebabi ukubandakanya okuqukethwe komntu siqu kwisithuthi sakho, i-trailer okanye umbhobho wamanzi okuza kuhlanganiswa ngaphandle kobungqina bokungena.
- Ukuchithwa kwekhadi lokuthenga ngetyala kunye nokukhutshwa kwemali ye-depositor kukukhusela ngokulahlekelwa, ukusela okanye ukusetyenziswa okungagunyaziswanga kwamakhadi-mboleko. Ikwabandakanya ukucinywa kwanoma yiyiphi i-check, iqulunqwa, okanye inqaku lesithembiso. Akukho ductible isebenza kulo mvume.
Ukuqonda abaNinimzi baKhaya Inqubomgomo yomshuwalense:
- Icandelo I: Ukhuseleko lweMpahla ye-Intshurensi yasekhaya
- Icandelo II: Ukhuselo lweeNkxaso-mboleko zasekhaya
Ukuba umntu wayeza kuphinda aphinde abuke kwiphepha labo lokubhengeza i-inshurensi yabanini ekhaya, ngokuqhelekileyo kwiphepha lokuqala lokuqala lomgaqo-nkqubo we-inshorensi yabanini, ngaphezu kwecandelo leeNdawo zePahla zePropati baza kubona elinye icandelo elibhaliweyo njengeeNgcaciso zeeNgcaciso. Icandelo leCandelo leeNgcaciso zeCandelo liye laphulwa phantsi kwamacandelo amabini:
- E. Umshuwalense weMpilo Yomntu
- F. Iingxowa-mali zoNyango lweeNkcazo zasekhaya
Icandelo loXanduva lwaBantu libonelela ngokukhawuleza ngokubambisa ibango okanye umgwebo ngenxa yokulimala komzimba okanye umonakalo wepropathi kwabanye obangelwa yengozi kwipropati yakho okanye ngenxa yemisebenzi yakho yonke indawo.
Lo mnikazi we-inshurensi yomnini-ntanethi akaboneleli ukhuseleko lweziganeko ezihambelana nezithuthi kunye nezoshishino. Olu khuselo lukhusela wena kunye nawo onke amalungu osapho ahlala nawe.
Icandelo leNtlawulo yezoNyango libandakanya umyinge wokuhlawula iindleko zonyango kubantu abalimele ngengozi kwipropati yakho kungakhathaliseki ukuba iphoso. Iintlawulo zendleko zonyango azisebenzi kwiindawo zakho zokulimala okanye ezo zentsapho ezihlala nawe okanye kwimisebenzi ebandakanya ishishini lakho lasekhaya.
Njengabo bonke abanomgaqo-nkqubo we-inshurensi yabanini bendawo abanakho izizathu. Umgaqo-nkqubo womshuwalense wendlu yomshuwalense wekhaya awufihla ukulimala kwezilwanyana, ukulimala kwezithuthi, iinqwelo-moya kunye nendawo. Kananjalo abahlali bahlawula ilahleko ngenxa yezikhukula, izidumbu zamanzi, umonakalo wamanzi kwizikhuselo ze-sewer, umonakalo obangelwa yimfazwe okanye ingozi yenyukliya, ukunganakwa, iinyikima, ukubola, okanye i-vermin. phantsi kwesahlulo semfanelo yomgaqo-nkqubo, nangona kunjalo indleko yomshuwalense wezomthetho ingaba yinto enomdla wokuncoma inqaku lakho.
Zonke iipolisi ze-inshorensi zabanini zineendawo ezahlukahlukeneyo ezikhuselekileyo kunye nezizathu ezingenayo ukwenzela ukuba umntu afune ukuqiniseka ukuba ahlole inkampani yomshuwalense wekhaya ukuqinisekisa ukuba zonke iinkcazo kunye nesiseko sokubanjiswa kwamabango kumgaqo wabo ngamnye.
Ukuqonda Abanikazi Bakho Basekhaya Inqubomgomo Yomshuwalense:
- Icandelo I: Ukhuseleko lweMpahla ye-Intshurensi yasekhaya
- Icandelo II: Ukhuselo lweeNkxaso-mboleko zasekhaya