Ngaba Abanikazi baNondyebo baSebenza njani kunye noMgaqo-nkqubo?
Ininshurensi yabanini-makhaya iyimvumelwano eyenzelwe ukukukhusela njengomninikhaya ngokulahlekelwa yintlawulo ngokukhawuleza kunye neengozi. Umgaqo-nkqubo we-inshurensi yasekhaya ngumvumelwano phakathi komnini-propati, owaziwa nangokuthi uyagcinwa, kunye nenkampani yomshuwalense.
Isivumelwano sidala isivumelwano sokuthi, ngokutshintshela i-premium ehlawulwa ngumnikazi wekhaya, inkampani yomshuwalense iya kuhlawulela umninikhaya ngenxa yengozi engalindelekanga, ngokukhawuleza kunye / okanye engoziyo eyenzekayo ekhaya, kunye / okanye okubhalwe ekhaya, njengoko kuvunyelwene ngayo kumgaqo-nkqubo.
Ininshurensi yabanini-propati ikhusela i-asethi yomnini wezindlu kwaye iqinisekise ukuba ukulahlekelwa, ukufumana ingozi okanye inhlekelele ayiyi kubashiya ekukhathazekeni kwezemali. Ingaba ufuna ukuthenga i-inshorensi njengowokuqala umninikhaya , ukuchaza ulwazi ukuqinisekisa ukuba ufumene ixabiso elifanelekileyo kwimali yakho, okanye ufuna uncedo ukuqonda umgaqo-nkqubo wakho, nantsi ezinye izinto ezisiseko malunga ne-inshurensi yabanini.
Abanini beeNkampani zaBanini-mboleko basebenza njani
Umgaqo-nkqubo wakho womshuwalense ngumvumelwano ovuma ukukugubungela ngenxa yengozi okanye iingozi ezichanekileyo ezinokubangela ukuba ulahlekelwe yimali.
Ukutshintshela i-premium (inani lemali uza kuhlawula kwisivumelwano sakho) umgaqo-nkqubo we-inshorensi wenza isivumelwano sokuthi inkampani yomshuwalense iza kukuhlawulela ilahleko njengoko ichazwe kwaye ichazwe kwi-inshorensi yakho yasekhaya.
Yonke imimiselo nemigomo yomgaqo-nkqubo ifuna ukuba yintoni efunyenwe ngayo, ukuba ibango liya kuhlawulwa njani, kwaye yintoni ekhutshelweyo okanye engaphelelwanga. Unokufumana ulwazi olusisiseko lweengxelo ze-inshurensi yakho kwi- Declaration Page ye-inshorensi yakho .
Inkontileka yomgaqo-inshorensi ichaza ngokucacileyo inkcazo kunye nemida ekhethekileyo yokukuxelela ukuba ungayilindela njani njengomnini-insensi yomnini-inshurensi.
Iindleko ze-Intshurensi yasekhaya?
Kukho iinkalo ezininzi ezibonisa ukuba zininzi izindleko zomshuwalense ekhaya. Ngokusekelwe kwimibare, inani leendleko ze-inshurensi yasekhaya e-United States li-$ 1,132 ngonyaka kwaye iindleko ze-inshurensi eziqhelekileyo zibiza i-$ 190 ngonyaka, ngokweNkcazelo ye-Insurance Information Institute. Lezo zilingana nje. Iindleko ziyahluka, ngokusekelwe kwezi zinto zilandelayo zintathu:
- Ulwazi lwakho lomntu siqu kubandakanya ubudala bakho, umsebenzi, ukuba unembali yomshuwalense, umlinganiselo wakho wekhredithi, ukuba unayo nayiphi na imibutho eneenkqubo ze-inshorensi zeqela okanye izaphulelo, indlela ophila ngayo kunye nokusetyenziswa kwekhaya lakho.
- Ulwazi olunxulumene nommandla wekhaya lakho, amava okulahlekelwa kwindawo apho ikhaya lakho likhona kunye neemeko ezinobungozi malunga nokuba ikhaya lakho lithinteka kangakanani kwiimeko zomshuwalense.
- Iinkcukacha malunga nekhaya lakho, kuquka ukulungiswa, unyaka wokwakha kunye nezinto ezisetyenziselwa ukwakha ikhaya lakho kunye naluphi na ukhuseleko olongezelelweyo onalo ekhaya.
Imbali yakho yomshuwarensi yakho kunye nolwazi luvumela ukuba izaphulelo zongezwe kumgaqo-nkqubo, ngoko ke ukuba uthe wafanisa intengo ye-inshurensi kwizindlu ezimbini ezifanayo ngokuthe ngqo komnye nomnye, ixabiso lingahluke xa abantu abanezo zindlu behluke iimeko.
I-inshurensi yasekhaya?
Intshurensi yasekhaya inikezela abantu abanomzi wabo uncedo olubalulekileyo ukukhusela utyalo-mali kunye nokuzinza kwemali ukuba imeko ivela apho kukho umonakalo onokukhawuleza kunye nengozi kwipropati yakho okanye indlu ngokwalo. Inokukhusela ngokubonelela nge-inshorensi yemfanelo eyenzeka ngenxa yobunini bendlu yakho, okanye nangenxa yezenzo zakho kunye nemisebenzi njengomntu wonke jikelele .
Unomshuwalense Wokuba Ngakanani Unayo?
I-inshurensi yakho yasemakhaya kufuneka ibe ne-coverage eyaneleyo yokukubonelela ngembuyekezo yokulahlekelwa kwemali kwiindidi ezi-4 ezinkulu.
- Ixabiso lezakhiwo zakho, okanye isakhiwo. Kukwaziwa nangokuthi ixabiso lokuhlawula i-insured . Oku akubandakanyi indleko zomhlaba.
- Ixabiso lokutshintsha i- contents yakho okanye impahla yakho . "Ipropati yomuntu siqu" iquka izinto ezingeyona inxalenye yesakhiwo - izinto ozenzile nawe xa uhambela ekhaya, okanye ifenitshala kunye nezinye izinto ozithengayo kwaye uhlala ekhaya lakho.
- Iindleko zendleko zokufumana ezongezelelweyo. Lezi zindleko oza kuba nazo ngenxa yesibango ukuba awukwazi ukuhlala ekhaya lakho ngenxa yokulahlekelwa okanye i-risk insil danger ngelixa inkampani yomshuwalense ilungisa ikhaya lakho xa lingenakukhutshwa. Ikhaya alinakukhutshwa xa kungekho namanzi okanye umbane, okanye xa kukho intshabalalo eyenza kube nzima ukuhlala ekhaya ngexesha lokulungiswa. Inkampani nganye yomshuwalense ingacacisa okuhlukileyo okanye iyakwazi ukuvavanya imfuneko yokuphuma ngaphandle kwimeko ethile.
Umgaqo-nkqubo we-inshurensi ekhaya ngumgaqo-nkqubo. Iindleko ze-inshurensi isekelwe kwixabiso lekhaya lakho, okanye ixabiso lokuhlala kwi-insured ye-inshurensi yasekhaya.
Iindleko ze-inshorensi zisekelwe kwixabiso lakho lokuqukethwe kwiinshurensi ze-inshurensi okanye imigaqo-condo .
Iindleko zokuphila ezongezelelweyo ziqhelekileyo ipesenti ye-coverage yokuqala, kwaye i-postability coverage iza njengesiseko kodwa inokwandiswa kuxhomekeke kwiimfuno zakho.
Ezinye iiNqwelo zeeNkcazo zasekhaya
Kukho ezinye iziganeko ezingabandakanywa kwimigaqo-nkqubo ye-inshorensi yasekhaya , umzekelo umgaqo-nkqubo womnini uya kubandakanya izakhiwo ezongezelelweyo njengepesenti yesamba sokwakha. Njengengqungquthela, oku ngasentla yiziqendu zokubambisa oza kufuna ukugxila kuzo ukuze ufumane ubungakanani benkxaso yomshuwalense ekhaya.
Iingqinisiso ezongezelelweyo zingongezwa ngokuvuma ukuba ufuna uncedo olungaphezulu kunokuba lufakwe kwiphakheji yomshuwalense wekhaya . Imigaqo-nkqubo ye-inshorensi yasekhaya isoloko ineemingcele ezikhethekileyo kwizinto ezithile, njengezinto zokugqoka; ukuba emva kokuphonononga umgaqo-nkqubo okhethekileyo uphuhliso lwakho olufunayo ukuqinisekisa ukuba lukhutshwe, ngoko unako ukugqiba isigqibo sokufaka i-inshurensi .
Ukulimala kwamanzi kunye neNtshurensi yaseKhaya
Umonakalo wamanzi lukhuselo oluqatha xa lufika kwi-inshurensi yasekhaya. Olunye umonakalo wamanzi luhlanganiswe , kwaye ezinye iingxelo ziyakongezwa ngokugunyazwa , njengendlela yokukhutshwa kwamanzi emva; Ezinye izinto zokungaphazamiseka kwamanzi azibandakanyi . Xa ukhetha umgaqo-nkqubo we-inshurensi yasekhaya uqiniseke kwaye ucele malunga neendlela ezahlukeneyo zomonakalo wamanzi ezifakwe kumgaqo-nkqubo yakho kwaye ufumane ukuba ngubani ongongeza ukongeza ngokubhengezwa ngokuzikhethela. Umonakalo wamanzi ngumngcipheko okhulayo ngenxa yokuguqula imodeli yezulu kunye nezixhobo zokukhupha.
Ngubani Ofihliweyo ngumgaqo-nkqubo womnini wekhaya?
Ngomgaqo-nkqubo wakho womshuwalense, kukho inkcazo ye-insured. Ngaphantsi kwesi ncazelo uza kufumana inkcazo yokuba ngubani ohlanganiswe phantsi komgaqo-nkqubo wakho womshuwalense. Umgaqo-nkqubo uvame ukucacisa ukuba umntu ogqityiweyo okanye umlingane okanye umlingane wasekhaya (ngomthetho oqhelekileyo okanye umtshato) uthathwa njenge-insured phantsi komgaqo-nkqubo. Ngaloo nto, abantwana abaxhomekeke kwi-insured ngelixa behlala ekhaya banokubandakanywa.
Ngubani ongafihliweyo phantsi komgaqo-nkqubo we-Intshurensi yasekhaya?
Uncedo lwasekhaya, izalamane ezingabandakanywa kwinkcazo ye-insured, iindwendwe zendlu zangexeshana kunye nabahlali bengahlali okanye zihlanganiswe phantsi komgaqo-nkqubo we-inshurensi yasekhaya kuba aba bantu abahambelani nencazelo ye-inshurensi.
Ininshurensi Ukuba Uhlawula ikhaya lakho
Ukuba uyiqashisa ikhaya lakho kwaye ungenayo, nokuba yindlu, indlu okanye i-condo, ngoko ufuna i- inshurensi ye-inshurensi .
Ukuba Uyakrazula Ikhaya Lakho
I-inshurensi yasekhaya ihloselwe ukuqinisekisa ukuba ikhaya lisetyenziselwa ukuhlala kwindawo yokuqala. Ukuba uyiqashisa ikhaya lakho, umgaqo-nkqubo wekhaya awuyena mgaqo-nkqubo onyanisekileyo kuwe, kwaye awukwazi ukufumana i-insured xa ibango livela ngelixa ikhaya liqeshwe.
Umsebenzi wezeKhaya kunye neNtshurensi yaseKhaya
Ukuba usebenzisa indlu yakho yezoshishino, kufuneka ukhulume nenkampani yakho yomshuwalense ukuba ufumane ukuba unokongeza umgibeli wezoshishino zasekhaya. Inshshurensi yasekhaya ayihloselwe ukuhlawulela ukusetyenziswa kwezoshishino, ngoko ukusebenzisa ikhaya lakho kwishishini kwaye ungayibhengezeli kwinkampani yomshuwalense ingenza uncedo lwakho lube lungekho. Ukungabi ingxelo ngeenguqu kumgaqo-nkqubo okanye kwikhaya lakho kungabangela inkampani yomshuwalense ukuba ikhansele umgaqo-nkqubo wakho.
(Funda kabanzi malunga nezizathu zeenkampani zomshuwalense zingawukhansela umgaqo wakho apha .)
Kukho ezininzi iziphakamiso okanye izicwangciso ezinokulungeleka ngakumbi kunomgaqo-nkqubo womnini wendawo xa unomsebenzi wezoshishino. Ngaphandle kweemeko apho usebenzisa indlu yakho yokusingathwa kwe-Airbnb okanye ukwabelana ngekhaya kungaba yingxaki, kodwa ukuxubusha ngeemeko zakho nge-inshurensi yasekhaya kunokukunika izicombululo eziza kukunceda ukuba ufumane ingxelo efanelekileyo.
I-Intshurensi yaseKhaya yeCondo okanye ii-Co-op Abanikazi
Ukuba unayo i-condo okanye u-co-op, ngoko awuyidingi inshuwalense yomninikhaya; ufuna i-condo okanye i-inshurensi ye-co-op kuba i-condos kunye ne-co-ops ziqwalasela ezininzi kwiimeko ezikhethekileyo ezikhoyo xa unesigqeba esisodwa sakhiwo, okanye izabelo ngokubambisana. Ngokomzekelo, enye inkcazo ecacileyo kumnini weconta kodwa ayiyi kufakwa kumgaqo-nkqubo womnini ukuhlolwa kwelahleko , okanye i-inshorensi engapheliyo .
Ziziphi "Iipilisi" Ezifihlakeleyo Ngomgaqo-nkqubo Womshuwalense Wasekhaya?
Xa uthengela umgaqo-nkqubo we-inshurensi ekhaya unokukhetha ukhetho olunjani olufunayo . Kukho iingcamango ezibini zokusasazwa kwenkqubo yomshuwalense wekhaya:
- Vula iiPilisi
- E zibizwa ngePilisi
Ukuqonda ezi ngcamango ezimbini kukunceda ukubonisa umahluko kumgangatho wenkcazo zakho ezahlukeneyo kwinkqubo yomshuwalense inokukunikezela ekubeni unemibono ebonakalayo kumanqanaba okubhalela:
- Umgaqo-nkqubo wePilisi evulekileyo ufihla "zonke iingozi" ngaphandle kokuba zingabandakanywa.
- Iipilisi ezithiwa ngamagama okanye iipilisi ezicacileyo zikukhupha ngenxa yeengozi ezincinci. Iingozi zidla ngokukhawulelana ne-16 "intlekele" eziphambili ezinokuthi zenzeke kuwe, kodwa emva koko, nantoni na enye ayifakwanga. Eminye imigaqo-nkqubo inokunika uncedo olungaphantsi, njengefom ye-HO-1.
Qinisekisa kwaye ubuze ukuba umgaqo-nkqubo oyithengayo uphahla iingozi ezivulekileyo kwisakhiwo sokuhlala esiqinisekisiwe kunye nokuqulathwe, okanye kuphela kwindlu yokuhlala. Oku kwenza umehluko kwinto ohlawulwa ngayo kwibango.
Umgaqo-nkqubo we-Intshumo yaseKhaya uyihlawula njani kwiBango ?
Isiseko samabango okuhlaliswa okubhaliweyo kwigama lakho lomgaqo-nkqubo liya kukuxelela oko ungalindela kwibango ngokukhawuleza. Iifom ezimbini ezibalulekileyo zembuyekezo kwibango zi:
- Ixabiso langempela leCash: Le yindleko yokutshintshwa, ngaphantsi kokuhla kwexabiso. Oku kuthetha ukuba awuyi kufumana imali eyaneleyo yokubuyisela ikhaya okanye izinto ukuba isiseko semibango isisombululo se-Cash Value. Le yindlela encinci ifanelekileyo yokubanjiswa kwamabango.
- Iindleko zokutshintsha: Iindleko zokutshintsha zibonelela ngembuyekezo yokutshintshwa kwezinto eziqinisekisiwe kwilahleko. Fumana ukuba oku kusebenza kwisakhiwo sakho kunye nokuqulatho. Oku kukuvumela ukuba utshintshe into olahlekileyo emva kwebango uze ubuyele apho wawukho ngaphambi kokulahleka ngenxa yokuba uya kufumana imali.
Kubalulekile ukuba ufunde igama lakho lomgaqo-nkqubo malunga nesiseko semibango yokufumana imali xa ufumana umgaqo-nkqubo we-inshurensi ekhaya ukuqinisekisa ukuba uyaqonda imimiselo yesivumelwano, ukungabikho kwemida kunye nemingcele.
Iyintoni Intshuwalense Yasekhaya "Ifomu Yomgaqo-nkqubo," kwaye Kuthetha ukuthini?
Xa ufumana izicaphuno zemigaqo-nkqubo ye-inshorensi yasekhaya kubalulekile ukufumanisa ukuba uluphi uhlobo lwepolisi ocatshulweyo. Ifom yomgaqo-nkqubo ichaza uhlobo lokubhengezwa kwi-inshurensi "iphakheji" oyithengayo. Ulwahlulo olubalulekileyo kwifomu yepolisi luya kuba ngesiseko sokubanjiswa kwamabango, kunye nokuba zingaphi iingozi ezifakwe. Ngokomzekelo, iingozi ezivulekileyo okanye yonke ifomu yomgaqo-mngcipheko njenge-HO-3 iya kuba negalelo elingaphezulu kune-HO-2, kodwa zombini iinjongo zomshuwarensi ekhaya. Yona ifomu eyenza umehluko yinto enokulindela ukuba ikhutshelwe ukuba ufuna ukufaka ibango.
Imizekelo yezinye iintlobo zeeNdawo ezahlukeneyo zoMnini wezindlu "Iifom zenkqubo"
| I-HO-1: Umgaqo-nkqubo wokungabikho kwemali |
| I-HO-2: Umgaqo-siseko usele nje kuphela ingozi ebhaliweyo |
| I-HO-3: Inikeza inkcazo eyongezelelekileyo ekhuselekileyo yonke ingozi ngaphandle kokuba ingabandakanywa |
| I-HO-8: Ixesha eliqhelekileyo elisetyenziselwa amakhaya asebekhulile liqulethe ixabiso lemali eliyiyo lokubambisa izibambiso ezithetha ukuba ixabiso elithinteleyo lihlawulwa kwibango - oku akwanele ukutshintsha |
| I-HO-4: Umgaqo-nkqubo weNkampani yomshuwalense |
| I-H0-6: Umgaqo-nkqubo we-Assurance eCondo |
Ixabiso leKhaya eliPhakamileyo kunye neeNkcazo zeeNkcazo zaseKhaya
Amakhaya aphakamileyo, amakhaya omlando kunye namakhaya aneempawu ezikhethekileyo banokufumana ilungelo lokufumana i-inshurensi yasekhaya eliphezulu. Ukuba unayo indlu enexabiso eliphakamileyo okanye ukwakhiwa komgangatho ophezulu kunye nomgangatho onokufuna ukujonga kwi-specialty value value-home insurer. Ixabiso le-inshurensi yasekhaya eliphezulu libonelela ngokubanzi, kodwa kuza kwixabiso lokuqala.
Iingeniso zingabandakanya ixabiso elipheleleyo lokubuyisela, kungekho nto inyanzelekile yokufaka imigaqo-nkqubo (ukhetho lwentengo-mali), ukukhutshwa kwemithetho kamasipala, izibonelelo eziphezulu zokufumana iindleko zokuhlala ezongezelelweyo kunye nokukhawulelwa kwemida ephakamileyo yobuninzi, ubuciko obuhle, izinto eziphambili okanye izinto ezingenako ithathelwe indawo ngenxa yendalo yazo. Ezi ntlobo zezinto azihlanganiswa kalula kwi-home standard policy ngenxa yemida kunye nezizathu.
Ngaba Bonke Abanikazi beeKhaya kufuneka babe nomgaqo-nkqubo we-Intshurensi yasekhaya?
Hayi, bonke abaninikhaya abanakho ukuba babe nenqubomgomo yomshuwalense wekhaya. Nangona kunjalo, ukuba unomboleko okanye umboleko kwaye ungenayo ngokupheleleyo indlu yakho, umboleki-mboleko ungadinga ukuba ube ne-inshurensi yasekhaya kuba ufuna ukukhusela imali abanike yona njengenxalenye yemboleko. Bangakufuna ukuba unikeze ityala le-inshurensi ngaphambi kokuba unikezele ngemali yakho mboleko okanye mboleko.
Isikhokelo seNkcazo yoMgaqo-nkqubo we-Intshumo: Njalo Hlola iMigomo neMigomo Yakho Yakho
Kuhlala kukulungele ukuba nencoko nommeli wakho we-inshorensi malunga nendlela amabango asebenza ngayo nomgaqo-nkqubo wakho we-inshorensi kuba iimeko ziyahluka kwi-insurer kuya kwi-insurer, iingqiqo ezichazwe kweli nqaku zikhokelo ezisisiseko olufunekayo kukukunceda ukuba ubuze imibuzo ebalulekileyo malunga nokukhutshwa kwakho.
Unokufanisa i-inshurensi yasekhaya okanye iindleko zenthorensi yehorenti nganye kwiphondo kwi-Institute Information Information.