Indlela yokukhetha umshwalense ofanele?

Theumshwalense uyindlela yokulawula ubungozi. Uma uthenga umshwalense, udlulisela izindleko zokulahlekelwa okungenzeka enkampanini yomshwalense ukuze uthole imali, ebizwa ngokuthi yi-premium.

Izinkampani zomshwalense zitshala izimali ngendlela ephephile, ukuze zikhule futhi zikhokhe uma kunesicelo. Umshwalense wempilo, umshwalense wemoto, umshwalense wasekhaya... kuningi okufanele kucatshangelwe kuwo wonke umuntu.

Ukukusiza ukuthi uqalise, sidale lo mhlahlandlela. Ukuthenga umshwalense kuwutshalomali olubalulekile kanye nawe uzofuna ukutshala imali ngobuhlakani. Ungawuthola kanjani umshwalense webhizinisi ofanele ibhizinisi lakho? Nazi ezinye izinto okufanele uzicabangele ngaphambi kokwenza isinqumo sakho.

Okokuqala, amagama amabili ahlobene nazo zonke izinhlobo zomshuwalense, futhi lokho kufanele kukhunjulwe. Kodwa ngaphambi kokuthi uqale, nansi indlela yokuthuthukisa izinga lokuguqulwa esitolo sakho se-inthanethi.

🌿 Imiqondo ebalulekile kumshwalense

🔰 Prime

Lezi yizindleko zanyanga zonke ozikhokhayo ukuze unikezwe umshwalense. Ngamanye amazwi, yizindleko zangempela ikhasimende okufanele lizikhokhe ukuze lifanelekele izinzuzo zepholisi.

Ngokuvamile, i-premium ephezulu, kulapho ukufakwa kuningi khona. Kwezinye izimo, nokho, izinkampani zikhokhisa amaphrimiyamu aphezulu uma zisola ukuthi kungenzeka zikhona ingozi ephakeme.

🔰 Franchise

Ingxenye ekhokhwa ngumshwalense lapho kwenzeka isimangalo (ingozi, umlilo, njll.). Ake sithi i-deductible $ 1 000 nokuthi umonakalo odalekile $ 60 000. Bazokhokha (umshwalense). $ 59.

🌿 umshwalense wasekhaya

Umshwalense wasekhaya uwuhlobo lomshwalense “ hlanganisa kabusha »izinto ezahlukahlukene, kodwa ngamunye wehlukile. Kuhlanganisa umshwalense wekhaya, umshwalense wempahla yomuntu siqu, ukulahlekelwa ukusetshenziswa, isibopho somphakathi kanye nokunakekelwa kwezokwelapha.

🔰 izindlu

Izindleko inkampani yomshuwalense ezozikhokha ukuze kwakhiwe kabusha ngokuphelele noma kushintshe indawo. Okungukuthi, lapho indlu ichithwa ngokuphelele ngesizathu esithile.

Ngokujwayelekile, lena yinani elifanayo nebhange elikubolekayo ukuze ukhokhele imali ebolekiwe. Isibonelo, uma ukhokha kusengaphambili u-$10 ukuze uthenge indlu ebiza u-$000 bese ibhange likuboleka u-$250, lena isamba sendawo yokuhlala.

🔰 Umshwalense wempahla yomuntu siqu

Le ngxenye yomshuwalense ihlanganisa yonke ingaphakathi lendlu (ifenisha, ubucwebe, izinto zikagesi zasendlini), kanye nenye impahla ebingeyona ingxenye yokwakhiwa kokuqala, kodwa itholakala ngaphakathi kwendawo. Isibonelo, ucingo lwe-patio.

🔰 Ukulahlekelwa ukusetshenziswa

Ake sithi kukhona okwenzekayo okwenza indlu yakho ingahlali muntu okwesikhashana.

Nakuba kusalungiswa, lesi sici somshwalense wabanikazi bezindlu siyimali enikezwa umnikazi wepholisi ukuze ahlale ehhotela noma kwenye indawo yesigaba esifanayo naleyo ababehlala kuyo.

🔰 Inkokhelo kanye nesikweletu sezokwelapha

Lena ingxenye yomshuwalense wekhaya okhokhela izindleko zokwelashwa zomuntu ekhaya. Ake sithi umeme umuntu bese uyawa.

Njengoba besendaweni yakho, unesibopho sakho izindleko zabo zezokwelapha. Lokhu kungase kuhlobane, kodwa akufanele kudidaniswe, nengxenye elandelayo.

Kodwa-ke, uma lowo muntu owele endlini yakho engakwazi ukusebenza noma edinga ukuhlinzwa, " ingxenye yalokho izindleko zezokwelapha, esezivele zikhaviwe, kodwa uma zikumangalela ngokungakwazi ukusebenza, zizobe zimbozwa enye ingxenye yesikweletu. ".

🌿 umshwalense wempilo

Labo bethu abasuka eLatin America abakubheki njengokubaluleke kangako, kodwa e-United States lolu hlobo lomshwalense lungaba usizo kakhulu ezimeni lapho, isibonelo, indawo isegameni lombhangqwana oshadile.

Uma oyedwa wabo efa, omunye angaqhubeka nokukhokha, ngisho noma elahlekelwe umholo njengomkhaya.

Kunezinhlobo ezahlukene zomshwalense wempilo. Kodwa kunezinhlobo ezimbili eziyinhloko- umshwalense wesikhathi kanye nempilo yonke. Wonke umuntu uneyakhe izinzuzo kanye nebubi bayo.

🔰 ubude besikhathi

Lezi zinqubomgomo ezesikhathi esinqunyiwe. Kungaba iminyaka eyi-10, engama-20 noma engama-30. Ishibhile uma kuqhathaniswa. ungathinta $250 noma $000 umbhangqwana, futhi ukhokhe I-35 $ kuya ku-40 $ ngenyanga, isibonelo.

Uma lesi sikhathi sesidlulile (igama), kucatshangwa ukuthi akubangakho ngeshwa ukufa, ipholisi iphelelwa yisikhathi, ngaphandle uma ufisa ukuyivuselela.

🔰 Umshwalense wempilo yonke

Ibiza kancane, kodwa ihlala isebenza kuze kube sekufeni komuntu. Okuhle wukuthi uyazi ukuthi uzoyithola le mali.

Okubi wukuthi, uma umuntu ephila iminyaka eminingana, kungenzeka ukuthi agcine ekhokhe imali eningi kunaleyo ezotholwa wumndeni ngesikhathi eshona.

🌿 umshwalense wemoto

Kunezinhlobo ezimbili eziyinhloko zomshuwalense wemoto. Esokuqala siyimpoqo futhi sihlanganisa wonke umonakalo ongawenza kwabanye ngemva kwengozi noma ukungasebenzi kahle kwemoto yakho.

La okwesibili uyazikhethela, futhi iwukuvikela imoto yakho kwezinye izinhlobo zezigameko.

🔰 Umshwalense wesikweletu semoto

Kuyimpoqo cishe kuzo zonke izifundazwe zaseMelika. Inezingxenye ezimbili: eyodwa ehlanganisa umonakalo odalwe kwabanye (ukulimala komzimba) kanti enye ihlanganisa umonakalo odalwe empahleni yabanye.

Awukwazi ukushayela usengozini yokulimaza omunye umuntu, futhi lowo muntu agcine esenemali yezokwelashwa engenazo izindlela zokuyikhokha.

🔰 Izingozi eziningi kanye nokushayisana

Njengomshwalense wasekhaya, “ ubugebengu »izingxenye ezimbili. Ukushayisana kusho umonakalo odaleke emotweni yakho uma kuba nengozi.

Okuphelele yinoma yini engeyona ingozi, njengomlilo, ukweba noma izikhukhula. Lolu uhlobo lomshwalense oludingekayo lapho imoto yakho ixhaswa yibhange noma umdayisi ogunyaziwe.

Njengezinye izinhlobo zezinqubomgomo, zivame ukuba ne-deductible. Ngamanye amazwi, yingxenye okufanele ayikhokhe umshwalensi, kungakhathaliseki ukuthi unesibopho noma cha, ukuvala umonakalo odalwe emotweni yakhe.

🌿 Amathiphu angu-7 okuthola umshwalense ofanele

🔰 Qhathanisa amanani

Ziningi izinkampani zomshwalense futhi inhlobonhlobo yomshuwalense. Uma ufuna ukucaciseleka, ungase ucabangele ukusebenza ne-ejenti (ethengisa umshwalense wenkampani eyodwa) noma ngokusebenzisa umthengisi womshwalense (omele izinkampani zomshwalense eziningi) esikhundleni sokuthi 'uthenge ngokuqondile ku-inthanethi.

🔰 Thenga kuphela umshwalense ukuze ugcine izinga lakho lokuphila lamanje

Awudingi umshwalense emicimbini engeke ikuthwalise kanzima izimali zakho. Qala ngezidingo zakho eziyisisekelo (ikhaya, imoto, ibhizinisi), bese uhlanganisa nezinye izidingo (i-cyber, isibopho sezomthetho).

Ungahlala wengeza ukufakwa kamuva kokuthile uma ushintsha umqondo wakho. Unganciphisa ubungozi bakho futhi wandise ukonga kwakho ngokuthenga umshwalense ofanelana nezidingo zakho namuhla.

🔰 Buza umshwalense wakho ukuthi ipholisi ayibandakanyi

Umshwalense ngamunye ubala izingozi ezingambulwanga, ezibizwa ngokuthi “ ukukhishwa ". Cela umshwalense wakho ukuthi akuchazele okukhishiwe kupholisi yakho ngaphambili, okuzokongela ingcindezi nokukhungatheka kokwazi ngakho ngemva kokulimala noma ukulahlekelwa.

🔰 Cabangela ukuhlanganisa izinqubomgomo eziningi nenkampani eyodwa yomshwalense

Kungase kuthakazelise ukuhlanganisa izinqubomgomo ezimbalwa nenkampani yomshwalense eyodwa.

Uma ubheke ukwenza umshwalense wezimoto eziningi noma uthole izinhlobo eziningi zebhizinisi, ungase ufune ukuthola umhlinzeki womshwalense oyedwa ohlinzeka ngemikhiqizo eminingi - izaphulelo zenqubomgomo noma izinhlelo zokwethembeka.

🔰 Buyekeza izidingo zakho zomshwalense unyaka ngamunye

Umshwalense wakho uzoshintsha njengoba izidingo zakho zishintsha. Mhlawumbe uthenge imoto entsha kusukela uthole umshwalense wezimoto wemoto yakho eyinhloko, noma mhlawumbe usuqale ukuqhuba ibhizinisi elincane ekhaya lakho.

Uma usulwenzile ushintsho, kubalulekile ukubheka ukuthi ngabe inqubomgomo yakho idinga ukujwayelana nokuchayeka engcupheni okusha.

Hlala uthintana nomhlinzeki wakho womshwalense noma umdayisi ukuze uhlale uphezu kwezidingo zakho zomshwalense.

🔰 Ungahlehlisi Izinkokhelo

Ukwehluleka ukukhokha kuthathwa ngokuthi “ ingozi embi ”, okungaholela esilinganisweni esiphezulu. Uma unquma ukungawuvuseleli umshwalense wakho, kufanele ngokushesha wazise umshwalense ngokumbhalela.

Khumbula ukuthi ukushintsha abahlinzeki bomshwalense ngaphambi kokuvuselelwa kwepholisi yakho kungaholela ezindlekweni zesijeziso sokukhansela ngaphambi kwesikhathi.

🌿 Thatha izinyathelo zokunciphisa ubungozi futhi uvimbele ukulahlekelwa

Ukulawulwa kobungozi kungaba kakhulu sikusize uhlale uvikelekile. Uma ungumnikazi wekhaya, cabanga ukwenza amasheke okulungisa esizini.

Uma unebhizinisi elisekelwe ekhaya, cabanga ukuthuthukisa ukuzivikela kwakho kwedijithali ukuze uvikele kangcono ebugebengwini be-inthanethi. Ukuhlela okuhle nokuvikela kungakusiza ukuthi uhlale ngaphambi kwezingozi emisebenzini yakho yansuku zonke.

Kodwa-ke, angikwazi ukukushiya ngaphandle kokukunikeza ukuqeqeshwa kwami ​​​​ngokuqeqeshwa komuntu siqu. Chofoza lapha ukuze ulande umhlahlandlela wokugcina wokuphathwa kwezimali zomuntu siqu.

Ngishiyele amazwana