Mapulogalamu Ogwirizanitsa Amakono ndi Zodzikongoletsera Zina Zabwino
Zodzikongoletsera zabwino ndi zodula komanso zokondweretsa. Pali zinthu zambiri zomwe mungachite kuti muteteze zodzikongoletsera zanu, ndikugula inshuwalansi yodzikongoletsera ikhale imodzi mwa iwo.
Mungadabwe kumva kuti mwini nyumba ya inshuwalansi kapena mwini nyumba ya inshuwalansi mwinamwake sapereka chithandizo chokwanira cha mphete yanu yothandizira ndi zodzikongoletsera zina zabwino. Inshuwalansi yanu ikhoza kubisa zodzikongoletsera koma sizingawonongeke chifukwa cha zifukwa zina.
Musanagule ndondomeko iliyonse, phunzirani zambiri za zomwe mungasankhe komanso mafunso ofunikira omwe muyenera kufunsa wothandizira anu.
Ndondomeko za Inshuwalansi zapadera
Ndondomeko za inshuwaransi za mwini nyumba ndi mwini nyumba zimapangitsa malire kuti atayidwe pazinthu zina zapakhomo, kuphatikizapo zibangili. Ndondomeko za eni nyumba zimalipira ndalama zokwana madola 1,000 chifukwa choba. Malonda a inshuwalansi angakhale ndi malire ochepa chifukwa cha kutayira zodzikongoletsera - $ 500 ndizofala. Mukhoza kuwonjezera wina wokwera pa ndondomeko yanu kuti muonjezere malire anu a zodzikongoletsera bwino, koma izi zidzakwera mtengo wanu.
Kodi inshuwalansi yanu imaphimba zokongoletsera zodzikongoletsera pazifukwa zina osati kuba - monga zinthu zotayika kapena zowonongeka? Werengani ndondomeko yanu mosamala ndikufunsani wothandizira inshuwalansi kuti afotokoze mtundu wa zoperewera zomwe zili pa ndondomeko yanu. Ngati ndondomeko yanu siyikuwonetsa kuwonongeka kapena kuwonongeka, ganizirani kusankha osiyana omwe amapereka zodzikongoletsera bwino
Zoonjezera Zodzikongoletsera Inshuwalansi Riders
Ngati simukufuna kutenga ndondomeko yowonjezera yokongoletsera, mungathe kugula wokwera kapena wonjezerani. Mukamagwiritsa ntchito ndondomeko ya wokwerapo ndi wothandizira, onetsetsani kuti mufunse mafunso awa kuti mumvetse bwino zomwe zikuchitika:
- Kodi pali deductible? Ngati ndi choncho, ndi zingati, ndipo kukweza kapena kuchepetsa deductible kumakhudza mtengo wanu ndalama?
- Kodi mukuganiza kuti musayambe inshuwalansi? Kodi pali mitundu yina yowonongeka omwe mauthenga awo amavomerezedwa?
- Kodi zinthu zili ponseponse kulikonse kumene zikuchitika? Kodi ndondomekoyi ingakuphimbeni chifukwa cha imfa imene ikuchitika pakhomo kapena panyanja?
- Kodi zinthu zowonjezera ndalama zowonjezera? Kodi mumalowetsapo chinthucho, kapena mungathe kupeza ndalama zothetsera ndalama?
- Kodi ndondomekoyi ikuphimba zokongoletsera zodzikongoletsera?
Zodzikongoletsera Inshuwalansi Options
Makampani omwe amagwiritsa ntchito inshuwalansi zamtengo wapatali ndizofunikira zoyenera kuziganizira, makamaka pamene mukulimbitsa chinthu chosasunthika, ngati mphete yachikazi . Makampaniwa amagwira ntchito mwachindunji ndi miyala yamtengo wapatali kuti zitsimikizirani kusamalira malingaliro ndi osalongosoka komanso opanda nkhawa ngati n'kotheka. Amadziŵa zodzikongoletsera kuti adziŵe kuti chinachake, monga chitsimikizo chokonzekera mphete, chingakonzekeretse mwapadera.
Gulu la Chubb
Kampaniyi imapereka inshuwalansi makamaka zodzikongoletsera. Kampaniyi imapereka ndondomeko kudzera mwa ogulitsa inshuwalansi okhaokha komanso ogula malonda. Pano pali kufotokozera mwachidule za ndondomeko ya ndondomeko ya mphete ya Chubb:
- Kufotokozera kwathunthu kwa kuchuluka kwa ndalama zomwe zikuwonetsedwa pa ndondomekoyi.
- Palibe deductible.
- Chigwiritsiro chikugwiritsidwa ntchito padziko lonse kwa mphete zotayika kapena zabedwa.
- Kusintha sikufunika, Chubb amapereka ndalama. Ngati mutasintha mpheteyo, mumasankha zovalazo.
Chubb amalimbikitsa kuyesa kwa zodzikongoletsera zonse za inshuwalansi koma amafunika kuyesa zinthu zomwe zili zoposa $ 50,000. Chubb samapereka chithunzi cha diamondi yotayirira.
Mitundu ya Jeweler's Mutual
Mtundu wa Jeweler's Mutual umapereka zodzikongoletsera zokhazokha zomwe zimakhudza zonse kukonzanso ndi kusinthidwa. Kuwerenga kumakhala koyenera, makamaka ngati mukugula inshuwalansi pa zinthu zingapo. Lamulo silipezeka kuti musasinthe miyala kapena zinthu zowonongeka. Malo osungirako ndalama ndi njira yokhayo ngati mwatayika, ndipo kuyesa kuli kofunika kuti muwunike.
Yosinthidwa ndi: Lauren Thomann