Iinjongo zabathengi kunye nabaninikhaya abanakugubungela amashishini asekhaya. Imigaqo-nkqubo yemoto ayifihla i-autos esetyenziselwe iinjongo zoshishino.
Imigaqo-nkqubo eninzi ayifumanekanga "imisebenzi engekho mthethweni", ngoko kubalulekile ukuchonga ukuba ishishini lakho livumelekile ukuba libe yishishini elisekhaya.
Ukuba uqhuba ishishini ukusuka kwikhaya lakho, kubalulekile ukusebenza nomsebenzi we-inshorensi kwaye uchaze yonke imisebenzi yangoku kunye nayo nayiphi na imisebenzi eyenzekayo ekhaya ukuze unokufumana ukukhutshwa okufanelekileyo.
Yiyiphi Imfuneko Efunekayo?
Njengalo naliphi na ishishini, umnini kufuneka ahlaziye uluphi uhlobo lwezoshishino oluya kusebenza kunye kunye namacandelo aloo shishini. Unokubonisana noluhlu lokutshekisha kule ndawo ukukunceda ukuqokelela amaxwebhu afanelekileyo. Cinga uphendule le mibuzo elandelayo:
- Ingaba ishishini lokubonelela, ukuvelisa okanye ukudala imveliso okanye ukutya?
- Ingaba isithuthi sisetyenziswe kwishishini nayiphi na injongo?
- Ziziphi izixhobo zombane eziza kusetyenziswa KANYE ngaba izixhobo zombane ziza kusetyenziswa kwizicelo zabanye, ezingezizo zoshishino?
- Ingaba inkonzo yobugcisa iya kunikwa?
- Ngaba iindwendwe zoshishino ziya kuza endlwini?
Ukugxila kule mibuzo kuya kunceda ukuchonga ukuba zeziphi iintlobo zokubhengezwa ezifunekayo kwishishini lasekhaya.
I-inshurensi yeeRhwebo
Kwiimeko ezininzi, ishishini lakho lasekhaya liya kufuna i-inshurensi yepropati yoshishino. I-inshurensi yepropati yoshishino ishintela ukulahlekelwa okanye ukulimala kwipropati esetyenziswa kwishishini.
Ukuba, ngokomzekelo, umlilo uvela kwaye i-ofisi yakho yasekhaya ichithekile, ikhompyutha yakho, umshishini wefeksi, ikopi, ifenitshala, kunye nomshicileli akaziyi kugutyungwa phantsi komgaqo-nkqubo wabanini. Ufuna umgaqo-nkqubo wepropati ukubonelela ngolu hlobo.
Amashishini adla ngokufuneka enze isigqibo malunga nokuba baya kuthenga ukuthengwa kwexabiso lenkokhelo yemali okanye ukuhlawulwa kweendleko zokubuyisela . Kwishishini lekhaya, kwiimeko ezininzi, umnini-shishini kufuneka akhusele ukuhlawula iindleko zokubuyisela kunye nokuqinisekisa nge-inshorensi yabo yokuba i-electronics ihlanganiswe ngokupheleleyo phantsi komgaqo-nkqubo. Imigaqo-nkqubo yexabiso lemali inokuba neeprayimari eziphantsi, kodwa ezininzi iinkampani zasekhaya azikwazi ukufumana ixabiso lentlawulo ephantsi emva kokulahlekelwa yintlekele.
Intshuwalense
Inyhuwalense yemfanelo ikhusela ishishini xa ihlawuliswe umonakalo obangelwa kwenye indawo okanye kwipropati yomnye. Olu hlobo lwe-inshorensi yoshishino luyimfuneko ukuba iindwendwe zoshishino ziza kutyelela indlu. Umgaqo-nkqubo wabanikazi bakho awuyi kukukhusela kumabango akwenziwe ngeendwendwe zezorhwebo. Iindwendwe zoshishino ziquka abantu bokuhambisa kunye neendwendwe. Ukuba i-courier isabela kwaye iwele emanyathelo akho phambi kokuba wenze ukuhanjiswa kwezebhizinisi kwaye ubhekane nokuxanduva lokulimala kwabo, umgaqo-nkqubo wabanikazi awunikeli ngxelo.
Uxanduva lwezakhono okanye iZenzo zoMsebenzi
Iingcali ezisebenzayo ukusuka ekhaya ziyafuna enye yinshuwalense yemfanelo yecandelo loxanduva njengabaqeqeshi abasebenza ngaphandle kweofisi. Ngokucacileyo njengoko oku kuvakalayo, oogqirha abaninzi abanakukhusela i-inshorensi yemfanelo yengqesho xa bephuma ekhaya. Kubalulekile ukuba uzame kwaye ugweme nayiphi na ikhefu ekujoliswe kuyo. Ngokomzekelo, ukuba uguquka ukusuka kwindawo ehlawulwayo kwishishini elitsha lekhaya kunye ne-inshorensi yemfanelo yobunini-mboleko phambi komqeshi, yenza konke okusemandleni akho ukukhusela i-coverage eya kuba yindawo apho i-post cover cover. Nangona oku kuthetha ukuqinisekisa ixesha apho ungenzi khona iinkonzo (mhlawumbi emva kokukhulelwa) zakho iiprimiyamu, ekuhambeni kwexesha, ziya kuba zibiza kakhulu ngaphandle kwekhefu lokufikelela.
Umgangatho weMveliso
Imbopheleleko yembopheleleko yemveliso ikhusela ishishini ukuba ishishini libophezele umonakalo kumntu okanye kwipropati ebangelwa yimveliso enikezelweyo, eyenzelwe okanye eyenziwe yinkampani.
Ukuba wenza okanye unikeze into ethile, qhagamshelana nomsebenzi we-inshurensi yakho kwiimfuno zalo myalezo.
I-Auto Auto
Umgaqo-nkqubo wakho wokuzimela umbane awufihla ukusetyenziswa kwezithuthi zithuthi. Ukuba uya kwenza ukuhanjiswa, tyelela abathengi, uthabathe amaphakheji okanye usebenzise i-auto yakho ngenjongo yoshishino kwaye ufike engozini, umgaqo-nkqubo wakho wokuzimela uya kukugubungela. I-auto auto ibingabibizi kwaye kuyimfuneko enkulu ukuba usebenzisa imoto nayiphi na isizathu soshishino.
Ezinye iincwadi kunye neengqwalasela
Ngenxa yokunyuka kwenani lamashishini asekhaya, inani le-insurers liqala ukunikela ngezinye zeengxelo ezifana nokuvumela kunye nabagibeli kwimigaqo-nkqubo yabanini. Abanye abatshutshisi banikela ngemigaqo-nkqubo ekhethekileyo ekhupha ekhaya nakwiofisi. Umntu wezoshishino ekhaya kufuneka athelekise le ngxelo kunye neendleko zokufumana ukwahlula kwezoshishino ezahlukeneyo. Umnini-shishini loshishino makaqhathanise kwaye ahluke iifayili ezifumaneka phantsi kweemveliso ezinxulumene nokuthenga umgaqo-nkqubo wezohlukeneyo. Ngamanye amaxesha iimveliso zinika inkxaso encinane kwaye zihlanganiswe ndawonye kuphela.
Ekugqibeleni, ishishini lasekhaya kufuneka lihambisane nayo yonke imimiselo, iikhowudi zempilo, imithetho, imimiselo nemimiselo. Ukungaphumeleli ukwenza oko kunokuba kungabikho ukukhutshwa. Imithetho yengqesho kufuneka ilandelwe. Ukuba uya kuba nabasebenzi, uya kufuna iimbuyekezo zokuhlawula abasebenzi.