Imigaqo yePropati yoMhlaba
Imifanekiso, izinto eziqokelelweyo kunye nezinto ezifanayo zifaneleke njengepropati ekhutshwe phantsi komgaqo-nkqubo wepropati .
Nangona kunjalo, imigaqo-nkqubo eninzi iqulethe amalungiselelo anqande ukukhawulelwa kweso propati.
Xabiso
Enye ingxaki enkulu kukulinganisa. Kwiinkqubo ezininzi, ukukhutshwa kweendleko ezithatha indawo akusebenzi kwimisebenzi yobugcisa, ama-antique okanye amanqaku angabonakaliyo. Nangona ukhe unyuse ukukhupha ipropati yakho yepropati kwisiseko seendleko ezithatha indawo, nayiphi na ilahleko ebandakanya imisebenzi yobugcisa iya kugqitywa ngokusekelwe kwixabiso langempela lemali yento ewonakalisiweyo. "Imisebenzi yobugcisa" ibandakanya imizobo, imifanekiso, isiteyimu, iiblue, i-bronzes, i-porcelains kunye ne-bric-a-brac. Ezi zinto zingabiza ukulungisa kwaye kunzima ukuthatha indawo. Ezinye zizahluka kwaye zinzima kumgcini wakho womshuwalense ukuxabisa ngokuchanekileyo. Ngenxa yezi zizathu, ubugcisa obuhle akufanele buqiniseke ngokubaluleka kwexabiso lemali.
Ezingabikho
Imigaqo-nkqubo yamashishini amaninzi ingabandakanyi iingozi apho iipayipi kunye nezinye ezobugcisa obuhle zingasengozini. Nazi izibonelo:
- Utshintsho okanye ukugqithisa ekushiseni;
- ukungcola okanye ukuma kwemoya;
- ukutshatyalaliswa okanye ukutshiza;
- ukuhlala okanye ukuhlaselwa kwezinambuzane, iintaka okanye iintonga;
- fusus ;
- Ukuqhubela phambili kwamanzi okanye umswakama ngaphezu kweentsuku ezili-14 okanye ngaphezulu;
- Ukuvuza kwamanzi kwi-plumbing okanye kwimoya yokubangelwa yomoya.
Iintlanu zokuqala ezingaboniswa apha ngasentla zihlala zixhomekeke kwintlawulo yokulahleka elandelayo "ngenxa yexabiso elichanekileyo" (elibiziweyo).
Okokuthi, ukuba iqondo lokushisa litshintsha, ukuthungqwa komnxeba njl. Kubangela ingozi ebizwa ngokuba ngumngcipheko, umonakalo obangelwa ngengozi egama libizwa. Ngokomzekelo, iintaka ezihlala kufuphi nendawo yokukhanya zibangela umlilo kwisakhiwo senkampani yakho.Umlilo ubonakalisa umzobo olenga eludongeni lweofisi yakho. Iintaka ze-Nesting ingozi engabandakanyiyo, kodwa umlilo "yinto ebalulekileyo yokulahleka." Ngaloo ndlela, umonakalo kwipayili yakho kufuneka ifakwe.
Ukwaphulwa kwemida
Imigaqo-nkqubo eninzi iqulethe iCandelo leMida elingafaki ukukhutshwa kwezinto ezibuthakathaka ezifana nezitembu, iimabula kunye ne-chinaware. Ukuqhekeka kwepropati leyo kungabandakanywa ngaphandle kokuba kubangelwa "kwizinto ezichanekileyo zokulahleka."
Ngokomzekelo, i-vandals ingena kwiofisi yakho ngobusuku obunye kwaye iphose umfanekiso oxabisekileyo kwisitekiti. Isiqwenga saso. Ngenxa yokuba ukuphazamiseka kubangelwa yingozi eyingozi (ukuchithwa kwempahla), umonakalo wesifanekiso kufuneka uhlanganiswe. Nangona kunjalo, umonakalo awungeke ukhankanywe ukuba umyalelo uqhekekile ngenxa yokuba umqeshwa wagqithise ngengozi kwinqanaba elithe laboniswa ngalo.
UbuGcisa boBugcisa
Ngezizathu ezikhankanywe ngasentla, akufanele uxhomekeke kwipolisi yakho yepropati yoshishino ukujonga ubugcisa obuncedo. Ukukhusela ishishini lakho malunga nelahleko, kuya kufuneka uthenge i-inshurensi yobugcisa obuhle.
Esi sihlandlo sisoloko sinezela kumgaqo-nkqubo wepropati yoshishino ngokuvuma . Kungabhalwa kwakhona ngokwayo njengomgaqo ohlukeneyo. Ifom yobugcisa obuhle okanye ukuvumela ukubizwa ngokugqithiseleyo kubhekwa njengelungileyo lobugcisa .
Ingxoxo elandelayo igxininise ekuhlaleni ubugcisa obuhle obuthengwa ngamashishini amancinci. Le nkcazo yenzelwe iinkampani ezinomsebenzi obalulekileyo kodwa zingekho kwizobugcisa bezobugcisa. IiMyuziyamu, abathengisi bezobugcisa, imibukiso, abaculi bezorhwebo kunye namanye amashishini anxulumene nobugcisa adinga ukukhutshwa okukhethekileyo.
Xabiso
Uninzi lweefom zobungcali ezibugcisa zibandakanya umzobo kunye nezinye izinto eziqokelelweyo kwixabiso elivunyelweneyo . Oku kuthetha wena kunye nomshuwalense wakho uyavuma ngokuxabisa kwento nganye ekuqaleni kwexesha lomgaqo-nkqubo. Ukuba iqela lomsebenzi lilahlekile, lonakaliswe okanye libiwe, ilahleko iya kubalwa ngokusekelwe kwixabiso elivunyelweneyo.
I-deductible iyasebenza kwilahleko nganye.
Xa uthengisa ubugcisa obuhle, qiniseka ukuba ixabiso elizithumelayo kwi-insurer yakho lichanekile. Ukuba awuqinisekanga malunga nenani lento ethile, yiba nepropathi ephononongwa ngumdlali ohlonishwayo. Umgaqo-nkqubo wakho kufuneka udibanise uluhlu lwempahla nganye enesiqinisekiso kunye nenani elivunyelweneyo. Ukuba into etshabalalisiweyo okanye eyebiwe, umgcini-mboleko wakho akayi kuhlawula ngaphezu kwexabiso layo elivunyelweneyo ngaphantsi kwe-deductible.
Ipropati eViweyo
Amaninzi amashishini amancinci athengisa i-arts arts floater aqinisekisiwe phantsi kwefom ehleliweyo. Olu hlobo lufakela izinto ezibhalwe kwiimpapasho. Ipropati engatshitshiswayo ayihlanganisiwe. Ubuncedo befomu ehleliweyo kukuba ixabiso lezinto eziqinisekisiwe nganye zikhethwe kwishedyuli. Abanikazi bamashishini bayazi kwangaphambili ukuba bangayifumana phi na i-inshurensi yabo into enokuthi iqinisekise ukulahlekelwa ngokupheleleyo.
Amashishini athengayo umdwebo omtsha ahlala ecinga ukuthenga ubugcisa obuhle obuphantsi kwefomthi. Eli lilandelayo libandakanya nayiphina impahla edibana nencazelo "yobugcisa obuhle" kumgaqo-nkqubo. Izinto ezikhuselekileyo zifunwa ukuba zingabhaliswa ngabanye.
Uninzi lwezobugcisa obuhle zifakela ipropati yakho kunye nepropati egcinwe kuyo kodwa inomnye umntu. Ngokomzekelo, ibhondi yakho ibonisa umzobo onobungcali. Ukuba umsebenzi uhlelwe kumgaqo-nkqubo wakho, ufaneleke njengepropati ehlanganisiweyo.
Iifom ezininzi zibonelela ngokukhawuleza kwipropati ehamba okanye kwindawo ongenaye. Ipropati eboniswayo kwimiboniso ingabandakanywa ngokukodwa. Funda umgaqo-nkqubo ngokucophelela ngaphambi kokuba uhambise umzobo ongekho.
Uninzi lweefom yeeshedyuli lunikeza inqaku lokufumana ubugcisa obuhle obufumanayo ngexesha lepolisi. Umda uhlala uphantsi, kwaye ukufihla ixesha elifutshane (ngokuqhelekileyo iintsuku ezingama-30). Ukuba uthenge ubugcisa obutsha, qha ga mshelana ne-inshurensi ngokukhawuleza ukuba nenqaku longezwe kwipolisi yakho.
Iingxaki ezingekho
Iifom zezobugcisa ezifanelekileyo ziqulethe iziphumo ezingaphantsi komgaqo-nkqubo wepropati. Uninzi lwekhava elibangelwa yintoni na umngcipheko ongabandakanywa ngokuthe ngqo. Nazi ezinye iziphumo eziqhelekileyo:
- Imfazwe, ingozi yenyukliya, isenzo sorhulumente (njengokubanjelwa);
- Ukunyaniseka okwenziwe nguwe, inqununu yenkampani okanye abasebenzi bakho;
- ukunyamalala okumangalisayo;
- ukuhlukana ngokuzithandela kunye nepropati;
- ukukhululwa kokungcola;
- nxibela ukuyikrazula;
- i- arthquake kunye nokhukula ;
- ukuhlukana kwezinto ezibuthakathaka.
Ukukhutshwa kwekhefu ngokuqhelekileyo kufana nokufana nokufumaneka kwimigaqo-nkqubo yepropati. Nangona kunjalo, ukukhutshwa oku kunokupheliswa kwiprimiyamu eyongezelelweyo. Umlinganiselo wokukhukula kunye nenyikima inokufumaneka kwakhona.
Ukwandiswa kweMvume yokuVunywa
Amashishini amancinci athile afumana ukuhlawula ubugcisa obuhle njengenxalenye "yenkcazelo eyongeziweyo" echanekileyo kwipropati yoshishino okanye umgaqo-nkqubo womnini-shishini. Abaninzi batshorensi banikela ngezi ntengiso njengethuluzi lokuthengisa. Ziyindlela efanelekileyo yokufumana iqela leengxelo zokuhlawula ngexabiso elifanelekileyo.
Kukho imiba emininzi ekufuneka uyiqwalasele xa i-inshorensi yobugcisa bobugcisa ihlinzekwa phantsi kwe-"coverage extension". Okokuqala, umda uhlala uphantsi, njenge-$ 10,000 okanye i-25,000 zama-dollar. Lo mda ungabi nanele ukufihla isicatshulwa esibalulekileyo somsebenzi. Ingxaki yesibini kukulinganisa. Ngaphantsi kwemvume eninzi, ubugcisa bobugcisa obonakalisiweyo bubaluleka ngokusekelwe kwizinto ezilandelayo:
- indleko yokulungisa loo propati;
- iindleko zokutshintsha indawo leyo;
- xabiso lenkokhelo yexabiso lempahla.
Njengoko kuphawuliwe ngaphambili, ubugcisa obuhle akufanele ukuba buqiniseke ngexabiso langempela lemali.
Okwesithathu, ubugcisa obuhle bunokuthi buxhomekeke kwizinto ezifanayo ezifunyenweyo kumgaqo-nkqubo wepropati. Ezinye izivume zichibiyela icandelo lokungabikho kulo mgaqo-nkqubo ukwenzela ukuba kuphela ezimbalwa zazo zibandakanya ubugcisa obuhle. Abanye bangenzi utshintsho nhlobo.