Nzira yekusarudza yakakodzera inishuwarenzi yekuvhara?

L 'inishuwarenzi inzira yekugadzirisa njodzi. Paunotenga kuvharwa kweinishuwarenzi, unoendesa mutengo wekurasikirwa kungangoita kukambani yeinishuwarenzi mukutsinhana nemubhadharo, inonzi premium.

Makambani einishuwarenzi anoisa mari yacho zvakachengeteka, kuitira kuti vakure uye vabhadhare kana paine chikumbiro. Inishuwarenzi yehupenyu, inishuwarenzi yemotokari, inishuwarenzi yemba… pane zvakawanda zvekufunga kune imwe neimwe.

Kukubatsira kuti utange, takagadzira gwaro iri. Kutenga inishuwarenzi imari huru uye iwe achada kuisa mari nekuchenjera. Nzira yekuwana sei yakanakisa bhizinesi inishuwarenzi yebhizinesi rako? Hezvino zvimwe zvinhu zvekufunga usati waita sarudzo yako.

Kutanga, mazwi maviri ane chekuita nemhando dzese dzeinishuwarenzi, uye izvo zvinofanirwa kurangarirwa. Asi usati watanga, heino maitiro ekuvandudza mwero wekushandura muchitoro chako che online.

🌿 Mafungiro akakosha muinishuwarenzi

🔰 Prime

Idzi ndidzo mari dzepamwedzi dzaunobhadhara kuti uve neinishuwarenzi. Mune mamwe mazwi, ndiwo muripo chaiwo uyo mutengi anofanira kubhadhara kuti akwanise kuwana mabhenefiti.

Kazhinji, iyo yakakwira premium, iyo yakawanda yerupo kufukidzwa. Mune zvimwe zviitiko, zvisinei, makambani anochaja maprimiyamu akakwira kana vachifungidzira kuti pangava njodzi yepamusoro.

🔰 kodzero

Chikamu chakabhadharwa neinishuwarenzi kana chikumbiro chikaitika (tsaona, moto, nezvimwewo). Ngatitii deductible ndiyo 1 000 $ uye kuti kukanganisa kwakakonzerwa ndiko 60 000 $. Ivo (inishuwarenzi) vachabhadhara $ 59.

🌿 inishuwarenzi yemba

Inishuwarenzi yepamba imhando yeinishuwarenzi iyo regroup »zvinhu zvakasiyana, asi chimwe nechimwe chakasiyana. Zvinosanganisira inishuwarenzi yemba, inishuwarenzi yemidziyo yemunhu, kurasikirwa kwekushandisa, mhosva yevagari uye kurapwa.

🔰 Dzimba

Mari iyo kambani yeinishuwarenzi ichabhadhara kuti ivakezve zvachose kana kutsiva nzvimbo yacho. Ndiko, kana imba yacho yaparara zvachose nokuda kwechimwe chikonzero.

Kazhinji, iyi ndiyo mari imwechete inokweretwa nebhangi kuti uvhare chikwereti chemba. Somuenzaniso, kana iwe ukabhadhara mberi kwe $10 kutenga imba inokosha $000 uye bhangi rinokupa $250, uku ndiko kuwanda kwepekugara.

🔰 Inishuwarenzi yezvivakwa zvemunhu

Ichi chikamu cheinishuwarenzi chinovhara mukati mese mukati meimba (fenicha, zvishongo, midziyo), pamwe chete nezvimwe zvinhu zvakanga zvisiri chikamu chekuvaka kwepakutanga, asi zviri mukati meimba. Somuenzaniso, patio fence.

🔰 Kurasikirwa kwekushandisa

Ngatitii chimwe chinhu chinoitika chinoita kuti imba yako isagarike kwekanguva.

Nepo kugadzirisa kuchiri kuenderera mberi, chikamu ichi cheinishuwarenzi yepamba imari inopiwa kune ane polisi kuti agare muhotera kana kuti imwe nzvimbo yekirasi imwe chete neyavaigara.

🔰 Kubhadhara uye mutoro wezvokurapa

Ichi chikamu cheinishuwarenzi yepamba inobhadhara mari yekurapa kwemunhu mumba. Toti ukakoka mumwe munhu obva awira pasi.

Sezvo vari papfuma yako, iwe une basa nazvo mari dzavo dzokurapwa. Izvi zvinogona kunge zvine hukama ne, asi hazvifanirwe kuvhiringidzwa ne, chinotevera chikamu.

Nekudaro, kana munhu iyeye akadonha mumba mako asingakwanisi kushanda kana kuda kuvhiyiwa, " chikamu cheiyo mari yekurapa, iyo yakavharwa kare, asi kana vachikumhan'ara nekuda kwekusakwanisa kushanda, zvino inovharwa nechimwe chikamu chemutoro. ".

🌿 inishuwarenzi yehupenyu

Avo vedu vakatama kubva kuLatin America havazvione sekukosha, asi muUnited States rudzi urwu rweinishuwarenzi runogona kubatsira zvakanyanya mumamiriro ezvinhu apo, semuenzaniso, pfuma iri muzita revakaroorana.

Kana mumwe wavo akafa, mumwe wacho anogona kuramba achibhadhara, kunyange kana mhuri yarasikirwa nemari.

Kune marudzi akasiyana einishuwarenzi yehupenyu. Asi kune marudzi maviri makuru- temu uye inishuwarenzi yehupenyu hwese. Munhu wese ane zvake zvakanakira nezvayakaipira.

🔰 chinguva

Iyi mitemo ndeyenguva yakatarwa. Inogona kuva makore gumi, makumi maviri kana makumi matatu. Yakachipa. unogona kubata $250 kana $000 kune vaviri, uye mubhadhare $35 kusvika $40 pamwedzi, semuenzaniso.

Kana nguva iyi (izwi) yapera, tichifunga kuti hapana kufa kunosuruvarisa, mutemo unopera, kunze kwekunge uchida kuuvandudza.

🔰 Inishuwarenzi yehupenyu hwese

Inodhura zvishoma, asi inoramba ichishanda kusvika pakufa kwemunhu. Chakanakira ndechekuti unoziva kuti uchawana mari iyi.

Zvakaipa ndezvekuti, kana munhu akararama makore akawanda, zvinokwanisika kuti anozopedzisira ave kubhadhara mari yakawanda kupfuura iyo mhuri ichawana panguva yekufa kwake.

🌿 inishuwarenzi yemotokari

Kune marudzi maviri makuru einishuwarenzi yemotokari. Yekutanga inosungirwa uye inovhara kukuvara kwese kwaungakonzeresa vamwe zvichitevera tsaona kana kusashanda zvakanaka kwemotokari yako.

La chechipiri ndechekusarudza, uye ndeyekudzivirira mota yako kubva kune mamwe marudzi ezviitiko.

🔰 Inishuwarenzi yemhosva yemotokari

Zvinosungirwa mune dzinenge nyika dzese dzeAmerica. Iine zvikamu zviviri: chimwe chinovhara kukuvara kwakakonzerwa kune vamwe (kukuvara kwemuviri) uye imwe inovhara kukuvadzwa kwezvinhu zvevamwe.

Iwe haugone kutyaira uine njodzi yekukuvadza mumwe munhu, uye munhu iyeye anoguma aine mari yekurapa pasina nzira yekuibhadhara.

🔰 Multi-ngozi uye Kudhumhana

Sezvo neinishuwarenzi yepamba, i " mhosva mativi maviri. Kudhumhana kunoreva kukuvadzwa kunenge kwaitwa pamotokari yako pakaitika tsaona.

Complete chinhu chipi nechipi chisiri tsaona, semoto, kuba kana mafashamo. Iyi ndiyo mhando yeinishuwarenzi inodiwa kana mota yako ichipihwa mari nebhangi kana mutengesi ane mvumo.

Sezvimwe nemamwe marudzi emitemo, vanowanzove vane deductible. Mune mamwe mazwi, ndiyo mugove uyo uyo ane inshuwarisi anofanira kubhadhara, angava ane mhosva kana kuti kwete, kuvhara kukuvadzwa kwakaitwa motokari yake.

🌿 7 matipi ekutsvaga iyo chaiyo inishuwarenzi coverage

🔰 Enzanisa nemitengo

Kune akawanda makambani einishuwarenzi uye a zvakasiyana-siyana zveshuwarisi. Kana uri kutsvaga kujekeswa, unogona kufunga kushanda nemumiririri (anotengesa inishuwarenzi yekambani imwe chete) kana kuburikidza nemutengesi weinishuwarenzi (anomiririra makambani einishuwarenzi akawanda) pane 'kutenga zvakananga paIndaneti.

🔰 Tenga inishuwarenzi chete kuchengetedza mararamiro ako azvino

Iwe haudi inishuwarenzi yezviitiko zvisingaise dambudziko pamari yako. Tanga nezvido zvako zvekutanga (pamba, mota, bhizinesi), wozobatanidza zvimwe zvinodiwa (cyber, hunyanzvi mutoro).

Iwe unogona kugara uchiwedzera kufukidza gare gare kune chimwe chinhu kana ukachinja pfungwa dzako. Iwe unogona kuderedza njodzi yako uye nekuwedzera mari yako yawakachengeta nekutenga inishuwarenzi inoenderana nezvido zvako nhasi.

🔰 Bvunza insurer yako izvo porisi isingavhare

Inishuwarenzi yega yega inoronga njodzi dzisina kufukidzwa, dzinonzi “ kusarudzika ". Bvunza insurer yako kuti ikutsanangurire zvinosarudzika mupolicy yako kwauri kumberi, izvo zvinokuchengetedza kushushikana uye kushushikana kwekuziva nezvavo mushure mekunge wakuvadzwa kana kurasikirwa.

🔰 Funga kuunganidza mitemo yakawanda nekambani imwe yeinishuwarenzi

Zvingave zvakakosha kubatanidza mitemo yakawanda nekambani imwe yeinishuwarenzi.

Kana iwe uchitsvaga kuisa inishuwarenzi mota dzakawanda kana kuwana akawanda emhando dzekuvharirwa kwemakambani, ungangoda kutsvaga mupi weinishuwarenzi mumwe chete anopa zvigadzirwa zvakawanda - zvidzikiso zvepolicy kana zvirongwa zvekuvimbika.

🔰 Ongorora zvaunoda inishuwarenzi gore rega rega

Inishuwarenzi yako inoshanduka sezvo zvido zvako zvinoshanduka. Zvichida wakatenga motokari itsva kubva pakuwana auto inshuwarisi yemotokari yako yekutanga, kana kuti iwe watanga kuita bhizinesi duku kubva pamba pako.

Kana uchinge waita shanduko, zvakakosha kufunga kuti mutemo wako unofanirwa kuchinjika kune hutsva hwekufumurwa njodzi.

Ramba uchibatana nemupi weinishuwarenzi wako kana broker kuti ugare uine ruzivo nezve zvaunoda inishuwarenzi.

🔰 Usaverengera Kubhadhara

Kutadza kubhadhara kunoonekwa se " njodzi yakaipa izvo zvinogona kukonzera mwero wepamusoro. Kana ukasarudza kusavandudza mutemo wako, unofanira kukurumidza kuzivisa inshurensi nekunyora.

Ramba uchifunga kuti kuchinja vanopa inishuwarenzi mutemo wako usati wavandudza kunogona kukonzera kunonoka kubviswa kwechirango.

🌿 Tora matanho ekudzikisa njodzi uye kudzivirira kurasikirwa

Risk management inogona zvikuru kukubatsira kuti urambe wakachengetedzwa. Kana iwe uine imba, funga kuita macheki ekugadzirisa mwaka.

Kana uine bhizinesi repamba, funga kuvandudza dziviriro yako yedhijitari kuti udzivirire zvirinani kubva kucybercrime. Kuronga kwakanaka nedziviriro zvinogona kukubatsira kuti urambe uri pamberi penjodzi mumabasa ako ezuva nezuva.

Nekudaro, ini handikwanise kukusiya ndisina kukupa iwe dzidziso yangu yekudzidzira wega. Dzvanya apa kuti utore iyo yekupedzisira gwara kune wega zvemari manejimendi.

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