Intshurensi yaseKhaya: uMyili wezoKhuseleko

Ummeli onomsebenzi womshuwalense onamava akaze aphuthumele umxhasi. Uya kuthetha ngokubhekiselele kuyo yonke imimiselo yesivumelwano, ngokunyamezela ukuchazela yonke into efanelekileyo kwaye uphendule ngokukhawuleza nayiphi na into, umbuzo onobuwula. Ngelishwa, ezo ngcali zinqabile, kwaye, ukuya kwinkampani ye-inshorensi elisondeleyo, kukulungele ukugqiba phambili iingongoma eziphambili, ezifana nobubanzi benkampani yomshuwalense.

Izinto ze-inshorensi

Ngoko, i- inshurensi yendlu okanye indlu, njengomgaqo, iquka izinto ezi-3.

1. I-inshorensi yangempela yendawo yokuhlala , okanye kunoko, izakhi zayo zakhiwo: izindonga kunye nezitebhisi, izantsi kunye neesahlulo, iindawo ezigubungelayo, iibhaloni kunye neloggias. Kubandakanya kuphela le nto kwinqubomgomo yomshuwalense, unokuzikhusela kwisityikima okanye ngomlilo, kodwa ekukhuseleni indlu okanye ukuphanga le nkqubo ayiyi kuba yinto engenamsebenzi.

1. Inkonzo yinshorensi . Lo mgaqo-nkqubo uza kunceda kwimeko apho i-insured ibangela umonakalo kwindawo yokuhlala kunye nempahla yabasithathu, umzekelo, ikhukula abamelwane. Kuyafaneleka ukuqwalasela lo mgaqo-nkqubo ukuba abamelwane abasuka phantsi bangabantu abacebileyo abatyala imali eninzi ekulungiseni indlu yabo.

Ngelishwa, umgaqo-mboleko wemibutho yabasebenzi unempendulo ebalulekileyo: umshwalense unokuphela nje umnini wendlu okanye indlu. Kodwa abantu babhalisiwe kwindawo yokuhlala, kunye nabaqeshi abanalo ithuba. Kukho ukugqithisa okunye: umgaqo-mboleko wemibandela yomntu awuyi kukhutshwa yinkampani yomshuwalense, ukuba umntu okhuselekileyo uqale ukulungiswa kwindlu yakhe.

1. Inshshurensi yokusetyenziswa kwezixhobo zobunjineli kubandakanya uluhlu olukhulu lweengozi. Oku kunokuphanga nokuphanga, ukulimala kombane kunye ne-bay, umlilo kunye nenhlekelele yendalo. Kwizinto ze-inshorensi yokugqiba zizo: zonke iintlobo zokudweba kunye nemisebenzi yokubeka, ukujongana nokupakisha kwidonga kunye neendonga, nayiphi na into engatshatyalaliswayo, iindonga kunye nomgangatho, iifestile kunye nezakhiwo zendlu. Ukongeza, i-inshorensi ikhusela yonke ifenitshala eyakhelwe kuyo: iikhikhini, amagumbi okugqoka.

I-inshurensi yezixhobo zobunjineli ziya kukhusela ukushisa kunye neenkqubo zokubonelela kwamanzi, iintambo, iimitha kunye ne-wiring. Umnini okanye umnini-mali angakhetha, njengephakheji emiselweyo, kuquka zonke izinto ezikhankanywe ngasentla, kunye nokuzimela ngokuzimeleyo inxalenye efuna ukukhuselwa, umzekelo, ukuphela kokuphela kweselingi okanye izindonga.

Ngamanye amaxesha babela enye inxalenye yendlu yomshuwalense okanye indlu yomshuwalense-ukukhuselwa kwepropati ehambayo. Ukuze ithwale yonke ifenitshala, ngaphandle kweyakhelwe kuyo, izixhobo zasekhaya, ezinye izinto ezixabisekileyo. Kodwa njengomthetho, isivumelwano sokukhusela ipropati sihamba kwisikhetho esisodwa kunye ne-inshorensi yokugqibela, ibe yingxenye ebalulekileyo.

Kwaye kwakhona malunga nobungozi

Into enzima kunayo yonke elindele wonke umntu ofuna ukuqinisekisa indlu okanye indlu kwiinkampani zomshuwalense kukudweba uluhlu lweengozi. Ukuqinisekisa i-real estate kuyo yonke into - akunakwenzeka, kuninzi kubiza, kwaye "ukucocwa" kunengqiqo. Ngokomzekelo, ukuba isivumelwano sikhankanya ukuba izindlu ziqinisekisiwe ukusuka kwiGulf ngenxa yesiphoso sabantu abathathu, inkampani ayiyi kuhlawula ngokukodwa umvuzo xa kwenzeka umngcipheko wamanzi. Ngoko ke, kubalulekile ukuchaza ngokucacileyo kwangaphambili: ziphi iingozi ezenzeka kakhulu kwiimeko zakho, kwaye kwinkqubo yokwenza umgaqo-nkqubo uqwalasele ngokucophelela yonke into yesivumelwano.