Fumana ukuba i-Rental yakho iyimfuneko yoLongezelelo
Isizathu sokongezwa koNgezelelweyo
Xa umnini-propati eqeshisa yonke okanye isahlulo sesakhiwo kumqeshi, umnini-propati unomngcipheko wokuba umntu akalimele kwipropati eqashiweyo ngelixa ehambela umqeshi.
Ukuba iqela elenzakalisiweyo lithatha umnikazi wepropati, umninimzi (okanye umgcini-mali ) angaba noxanduva lokulimala.
Ngokomzekelo, iGlen's Groceries isebenza ngevenkile yokuthengisa kwisakhiwo esiqeshisayo kwi-ABC Properties. Ukuba umxhasi wenzakele kwindawo yesitora, unokugxeka iGlen's Groceries, ii-ABC Properties okanye zombini ukunganakwa .
I-ABC ifuna ukuzikhusela kumabango okanye izikhwama ezinokuvela kwi-Glen okanye ukugcinwa kwevenkile. Ngaloo nto, i-ABC Properties ifake amalungiselelo athile malunga ne-inshorensi kwisiqeshiso uGlen asayine. Iqeshiso ifuna iGlen's Groceries ukuba athenge umgaqo-nkqubo ojongene noxanduva oluqhelekileyo othayibhile i-ABC Properties njenge- insured eyongezelelweyo .
Izidingo zokuqeshisa
Ngaphambi kokusayina ukuqeshiswa kwezorhwebo, khangela ukuba uqulethe iimfuno malunga ne-inshorensi yemfanelo. Ngokuqhelekileyo, umninikhaya uzakufuna ukuba uthenge uxanduva olubanzi (olubizwa ngokuba yimbopheleleko karhulumente).
Ukuqeshisa kunokufuna ukuba uthenge umda othile (njenge-$ 1 yezigidi ngeziganeko ngasinye) kwaye ugubungele umninikhaya njengesiqinisekiso esongezelelweyo. Ukuqeshisa kunokucacisa ezithile iingxelo ezifunekayo umgaqo-nkqubo wakho kufuneka zibandakanye. I- arhente okanye umthengisi wakho unokukunceda ukuba unqume ukuba iifayili ezifunekayo zifakiwe kumgaqo-nkqubo wakho.
Ezinye iziqeshiso zingaba neemeko ezinzima ukuwanelisa. Ngokomzekelo, ukuqeshisa kungadinga ukuba i-insurer yakho ixelele umninikhaya wakho iintsuku ezingama-30 kwangaphambili ukuba umgaqo-nkqubo uyakhanselwa. Abanye abaqinisekisayo baya kuvuma ukuthumela izaziso zokukhansela kwii-insureds ezongezelelweyo, kodwa abaninzi abanako. Ukuba isibonelelo esithile singenelisekile, umnini-mhlaba wakho unokuzilungelelanisa. Ngokomzekelo, kungavuma ukwamukela isaziso sokukhansela kuwe kunokuba wakho umshwalense.
Ukuqeshisa kwezorhwebo kubhalwe ngamagqwetha, kungekhona ootitshala be-inshorensi. Ngako oko, bahlala bequlethe isigama esingafanelekanga. Ngokomzekelo, amagosa amaninzi asebenzisa ixesha lokulimala komntu ngokubhekiselele kwingozi yokwenyama emzimbeni womntu. Ngaphantsi komgaqo-mboleko, ukulimala emzimbeni kuthiwa ukulimala komzimba . Kwakhona, ukuqeshisa kungabandakanya imiqathango engapheliyo njengemboleko yesikhankaso okanye iprogram ebanzi yomonakalo wepropati . Kwiminyaka edlulileyo, ezi ngxelo zihanjiswe ngokuvumela. Namhlanje, zibandakanyiwe kumgaqo-nkqubo wokunyaniseka.
Umyinge oKongezelelweyo
Ukugubungela umninikhaya phantsi komgaqo-nkqubo wakho wokunyaniseka, kuya kufuneka ukuba kuvunyelwe. Iimvume ezisetyenziselwa ukugubungela abanikazi bamazwe njengokuba izongezelelo zee-insureds ezongezelelweyo zihluka kwi-insurer enye kwenye.
Uninzi umda wokukhawulelwa kumnini-ndawo ochazwe ngokuvuma. Ngaloo ndlela, kufuneka kuvunyelwe ukunikezelwa okuhlukeneyo kumnini womnini ngamnye. Ukuvuma okuqhelekileyo kubandakanya "ishedyuli" esichaza isakhiwo okanye inxalenye yayo oqeshisile. Kubalulekile ukuqinisekisa ukuba indawo yakho yokuhlala echazwe ngokuchanekileyo. Ukuba ipropati erenjiweyo ayifanelekanga, ibango kumnini-mhlaba lingenakutyalwa.
Ukuvunyelwa kwakhona kufuneka kuluhlu ngokuchanekileyo igama lomnini-mnini wakho. Ngokomzekelo, cinga igama lomnini-mhlaba nguBill Smith. Nangona kunjalo, uqeshiso lwakho ludwelisa igama lomnini-mhlaba njengeSmith Properties Inc., eyilwayo iBill. Ukongezwa okongezelelweyo okuqinisekisiwe kufuneka kufake uludwe lweSmith Properties Inc. njengoluhlobo olongezelelweyo.
Eminye imigaqo-mbopheleleko inika inkxaso yokuzenzekela ngokuzenzekelayo kubancinci bezakhiwo eziqeshwe kuwe.
Abanikazi bezindlu bangabhekiswa ngokuzenzekelayo nge-" ngubani onikwe isiqinisekiso " kwipolisi yakho. Ngenye indlela, zinokuthi zikhutshwe ngumbonelelo oqulethwe ngegama elingenanto. Ukufihla ngokuzenzekelayo kunamathuba amaninzi. Okokuqala, nayiphi na umninikhaya wakho ohlangabezana nencazelo kumgaqo-nkqubo uhlanganiswe ngaphandle kokubhaliweyo. Okwesibini, ukuhanjiswa kwabanikazi bemihlaba sele kusenwe kwi-premium yakho yenqubomgomo. Ukuba uqeshisa iipropati ezongezelelweyo, abaqeshi bempahla kufuneka bahlawulelwe ngaphandle kwerhafu eyongeziweyo.
Zi thintelo
Phantse zonke iziqinisekiso ezongezelelweyo eziqinisekisiwe zokusetyenziswa kwabanini bempahla ziqulethe imida. Ngokomzekelo, imida yokunika inkxaso ye- ISO imida kumntu okanye kwintlangano ebhalwe kulungiso. Umnini-mhlaba uhlanganiswe kuphela ngumthwalo wakhe kumnini, ukugcinwa okanye ukusebenzisa isakhiwo (okanye inxalenye yayo) eqeshwe kuwe kwaye ichazwe ngokuvuma.
Ngokomzekelo, cinga ukuba i-ABC Properties (kwimeko yokuvula) ilandelwa ngumthengi weGlen's Groceries. Umthengi wenzakaliswe xa ehlutha umda okhulayo xa efika kwisitoreji. I-suit yayo ibanga ukuba i-ABC Properties inesibophezelo ngenxa yokulimala kwayo ngenxa yokuba ayiphumelelanga kakuhle isakhiwo. I-suit yavela ngaphandle kokugcinwa kwesakhiwo esiqeshwe kwiGlen's Grocery. Kucinga ukuba isakhiwo sichazwe ngokufanelekileyo ngokuvuma, isigwebo kufuneka sijongwe ngumgaqo-nkqubo we-Glen.
Ukuvunyelwa kokugubungela abanikazi bempahla njengokuba izongezelelo zee-insureds azibandakanyi izingozi ezenzeka emva kokuyeka ukuba ngumqeshi kwindawo. Kwakhona zibandakanya amatyala avela kwakhiwo esitsha, ukubhujiswa okanye ukuguqulwa kwesakhiwo esenziwa ngumnini-ndawo kwiindawo eziqashisayo. Ngokomzekelo, cinga ukuba i-ABC Properties iqesha ikontraki ukwakha ukongeza kwintengiso. I-ABC iya kufuneka ixhomekeke kumgaqo-nkqubo wayo wokuzibophezela (kungekhona umgaqo-nkqubo weGlen's Groceries) ukuzikhusela ngokwasemabango avela kwimisebenzi yokwakha.
Ekugqibeleni, ezinye ezongezelelweyo eziqinisekisiwe zokubambisa zingabikho nkonzo ebanzi, okanye imida enkulu, kumnini-mnini kunokuba unyanzelekile ukubonelela phantsi kwesivumelwano . Ngamanye amagama, ukuba imvumelwano yesigqibo ifuna ukufumana ingqalelo encinane kumnini-ndawo kunokuba inikezwe ngumgaqo-nkqubo, iimvumelwano zontrakthi ziya kusebenza. Ngokomzekelo, khangela ukuba ukuqeshisa kwakho kufuna ukuba uqinisekise umninikhaya wakho umda we $ 500,000. Ukuba ibango lifakwe kumnini-propati kwaye umgaqo-nkqubo unikezela umda wemali eyi-1 yezigidi, i-suit against nomnini-mali iya kuba phantsi komda we-500 000 wemali (umda ofunekayo kwisivumelwano).