Inshorensi Property - ezinye bokuqonda ezibalulekileyo.

Ekugqibeleni eza kubugqiba okukruqulayo zonke ubusika, kwaye endaweni yayo kuyeza ukuvulwa ngexesha lasehlotyeni. Kubalulekile ke ukuba ucinge inshorensi impahla yakho ipoma.

Yaba ngeli xesha kukho inani elikhulu imililo kunye nezinye iziganeko mandla majeure ukuze ngokupheleleyo okanye ngokuyinxenye ukonakalisa impahla yakho.

Okwangoku, kukho iinkampani ze-inshorensi ezininzi amele iinkonzo kwi -inshorensi propati. Phakathi kwazo ngabo ezifundisa iinguqulelo zizele coverage inshorensi, kuquka full package of imingcipheko kunye ubalo eneenkcukacha yonke impahla inshorensi, kwakunye nabo isixhobo lula imigaqo-nkqubo yazo esibumbeneyo ubuncinane inani amaxwebhu ababulawa (umzekelo, inkampani "Insurance Survey", iinkcukacha strahexpert.by). Ukhetho lokugqibela ukhetho efanelekileyo - isenziwa ngokupheleleyo isigqibo sakho.

Kodwa, ngokukhetha ukhetho lokugqibela, kufuneka ukuba siqwalasele iingongoma ezithile ezimbalwa. Okokuqala, inkqubo lula konga ixesha kuyilo layo, kodwa loo nto yenza kube nzima ukuba bachaze ubume yakho iinkcukacha ezingaphezulu. inshorensi Property kulo mgaqo-nkqubo ikakhulu emiselwe yi kuphela umbandela isiseko kunye inani inshorensi. Ukuguquguquka obala imali benefits kunye kanye ixabiso lwepropati angavela kuphela eqongeni ezininzi iintlawulo inshorensi, nto leyo enokukhokelela ekuthotyweni ubukhulu bayo.

Kwimeko apho isixa-inshorensi leyo bujikelezwe overpriced, kwaye emva kokuba ubuchule inshorensi isiganeko benefits yasekwa ukuba ixabiso elililo yenjongosenzi ochaphazelekayo ixabisa ngaphantsi kwe lowu, nje ukuba ukubuyekeza imali ziingcali baye bazibonakalisa ngokobuqu. Le meko ke ukungabikho imbuyekezo engaphezulu kanye kanye ixabiso lepropati elahlekileyo ifakwe yonke imigaqo-nkqubo ye-inshorensi impahla ngokupheleleyo ngokuhambelana nemimiselo yomthetho. Ngenxa yesi sizathu, musa ukuzama zivuthelana ixabiso elililo lempahla labo, njengoko kuya kuquka ngqiqweni ukwandisa kuphela premium.

Kwimeko apho isixa-inshorensi kwesilinganiso, kodwa ke ixabiso yokwenene kwipropati emva kwengozi, iingcali wagqiba ngaphezulu, kukho kuvela inshorensi naqondo (imeko apho kwaba Ekuqaleni ipropati esiqinisekiselwe ayikho kwimali iindleko). Ngenxa yokuba, kwakhona kuya kukhokelela ekuthotyweni -inshorensi.

Oko kubaluleke kakhulu abaninzi sisixa ingxelo inshorensi. i-inshorensi lula uhlobo babe bela. Ngoko ke, ikhaya lakho ukuze bawe nje phantsi kwezo ukulinganiselwa efanayo, kwaye inshorensi ithe aphume.

Soloko ukhangela ubungozi ukhuseleko apho mgaqo-lula, ngenxa yokuba kaninzi ezi nkqubo kufuneka bengxelo ezinzileyo (mhlawumbi eziquka umngcipheko omnye kuphela, njalo njalo). fare ayibizi apha ibangelwa inani amancinane iingozi. Oku umlilo, ubusela, izikhukula, njl kuphela Kwimeko apho iziganeko eziliqela yomonakalo okanye ilahleko ukubiwa imbuyekezo iya kuba omnye kuphela, nto leyo ebhaliswe nkqubo.

Sizoku lwisana zonke ezi bendlela ugcwalisa isethi epheleleyo yamaxwebhu ayenzi khangela kabuhlungu kangaka. uluhlu olucacisiweyo izakhiwo ebonisa izinto ze zokwakha nokugqiba, nobude lwabo isikwere kunye nenani imigangatho, avumele underwriter ukubalisa mali wakho owukhethileyo inshorensi kwi xabiso elilo ngesakhiwo, kwaye uphephe ukungaqondani kwi nenqanaba kokusayina isivumelwano. Ngoko ke, bachitha ixesha elininzi kancinane kwi-inshorensi kwipropati, ezizezi ngokuzalisa izibambiso olongezelelweyo, uya kusikhusela cottage yakho yonke imingcipheko kunokwenzeka.