Ibhokotshi Imida
Umda wengubo unceda uqinisekise ukuba unako ukukhutshwa okwaneleyo ukuba ezinye zepropati yakho zanda ngexabiso ngelixesha lomgaqo-nkqubo.
Umda ungasebenza kwizinto ezingaphezu kweyodwa kwipropati, njengezakhiwo kunye nempahla yomntu. Inokusetyenziswa kwakhona kwipropati kwiindawo ezininzi. Ngokomzekelo, cinga ukuba umgaqo-nkqubo wakho wepropati uquka umda we-blanket we-$ 3 wezigidi ezifaka izakhiwo kunye nepropati yomntu kwiindawo ezimbini. Ukuba ilahleko ivela kuyo nayiphi na indawo, umda we-$ 3 wezigidi uya kufumaneka.
Ngokungafani nomda othile, umda wengubo unika umkhombane onokukhusela ukuba isahlulo sepropati yakho sanda ngexabiso ngokungalindelekanga. Ngokomzekelo, cinga ukuba ungeze izixhobo ezintsha kwiindawo zakho emva kokuba umgaqo-nkqubo ukhutshwe. Ngenxa yoko, ixabiso lepropati yakho yenyuka ukusuka kuma-$ 500,000 ukuya kwii-650,000 zamawaka. Ukuba zonke iimpahla zakho zonakaliswa ngumlilo, umda we-blanket we-$ 3 wezigidi uza kufumaneka. Ukuba uqinisekise ukuba loo propati yakho phantsi kwe-$ 500,000 umda othile, umda wakho wawuya kusetyenziswa.
Kufuneka uhlawule i-$ 150,000 ekhoyo ephaketheni.
Umda wengubo udla ngokudibanisa nokuthengwa kwexabiso elivunyelweneyo . Ukuba ukhetha le ngxelo, kufuneka ungenise ingxelo yexabiso lepropati ekhutshiweyo kwi-insurer yakho ngaphambi kokuba umgaqo-nkqubo wakho uqale. Ingxelo ibonisa isivumelwano phakathi kwakho kunye ne-inshurensi ukuba ixabiso olibhalileyo lixabiso lexabiso lepropati.
Xa umgcini wakho womshuwalense ufumana isitatimenti, isigatya se- coinsurance kumgaqo-nkqubo siya kumiswa. Ukuba ilahleko ivela, i-insurer yakho iya kuhlawula umda we-inshorensi esebenzayo kwipropati ewonakalisiweyo.
Igatya lomhlathi
Igatya lesigxina liyongezwa kumgaqo-nkqubo wepropati yoshishino ngokuvuma . Inciphisa imali oyifumanayo ngenxa yelahleko ukuba ipropati phantsi komngcele wengubo ingonakaliswe okanye ibhujiswe. Ukuba ilahleko ivela, i-insurer yakho ayiyi kuhlawula ngaphezu kwepesenti ecacisiweyo yexabiso lepropati ewonakalisiweyo.
Ukuvuma kufaka ishedyuli yepropati ekhuselekile. Ishedyuli lubhala uluhlu ngalunye lwepropati ekhuselekile phantsi komda weengubo. Ngamnye uchongwa ngenombolo yendawo, inombolo yokwakha kunye nenkcazo. Isampuli yeshedyuli yomhlathi we-margin iboniswe ngezantsi.
Shedyuli
| Izakhiwo # : | 1 | Ukwakha # | 1 | Igatya lomhlathi: | % 120 |
| Inkcazo yePropati: Ukwakhiwa kwi-125 Market St., ePleasantville, CA |
| Izakhiwo #: | 1 | Ukwakha # | 1 | Igatya lomhlathi: | % 120 |
| Inkcazo yePropati: I-Business Personal Property e-125 Market St., ePleasantville, CA |
Ingaba isebenza kanjani
Kulo mzekelo, isakhiwo kunye nepropati yomuntu siqu e-125 Market St. zixhomekeke kumyinge wegama lomda we-120 pesenti. Umshuwalense usebenzisa le pesenti ukubala ilahleko ephezulu ehlawulwa kuyo yonke indawo yepropati. Ilahleko ephezulu ehlawulwayo yona nto ininzi i-inshurensi iya kuhlawula ilahleko echaphazelekayo loo propati. Umshuwalense ubala ilahleko ephezulu ehlawulwa ngokuphindaphinda ipesenti yomhlathi wexabiso lomhlaba ngokwexabiso lepropati eyonakalisiweyo. Le xabiso isekelwe kwingxelo yamatyala yakutshanje owanikezele ngomshuwalense wakho.
Ngokomzekelo, cinga ukuba uthenge umgaqo-nkqubo wepropati kunye nomyinge we-blanket we-$ 3 wezigidi. Umgaqo wakho wangoku usekelwe kwiimpawu ezilandelayo ozifake kwi-insurer yakho (ukuthatha imida kunye nemilinganiselo ibonisa iindleko zokutshintsha):
- Ukwakha kwiZakhiwo # 1 (125 Market St.): $ 1 yezigidi.
- I-Business Personal Property kwiZakhiwo # 1: $ 500,000.
- Ukwakha kwiZakhiwo # 2 (250 Market St.): $ 1 yezigidi.
- I-Business Personal Properties kwiZakhiwo # 2: $ 500,000.
Ukuba isakhiwo kwiZakhiwo # 1 sitshatyalaliswa ngokupheleleyo emlilweni, umgcini-mali wakho akayi kuhlawula ngaphezu kwe-1.2 yezigidi (1.2 million times times 1.2) ukuba atshintshe isakhiwo. Ngokufanayo, ukuba yonke impahla yakho kwi-Premises # 1 isatshatyalaliswa, ininzi ye-inshurensi iya kuhlawula ukuba ibe yi-$ 600,000 (amawaka ama-500,000 amaxesha a-1.2).
Iingxaki
Amagatya omhlathi ayenzelwe ukufumana iinkampani zenkampani yomshuwalense , kungekhona abaphathi bemigaqo-nkqubo. Xa isigatya somgama sifakwe kumgaqo-nkqubo wepropati, imali ehlawulwa yilahleko ingaba yinto engaphantsi kwengubo yengubo.
Igatya lomgama liya kuba nefuthe kakhulu xa:
- Ipropati yakho ixhasa ilahleko enkulu.
- Ipropathi eyonakalisiweyo iye yanda kwindleko ukususela kumgaqo-nkqubo wakho waqala.
- Awuzange uxele ixabiso elongeziweyo kwi-insurer yakho.
Ngokomzekelo, cinga ukuba unezakhiwo ezimbini kwiindawo ezahlukileyo. Yonke impahla yakho kwiindawo zombini iqinisekisiwe ngaphantsi komda we-blank 4.5 million. Ipropati yakho iyaxhomekeka kumyinge wama-margin we-115%. Ngaphambi kokuba umgaqo-nkqubo wakho uqale, ungenise ingxelo kwi-insurer yakho ibonisa ukuba isakhiwo sakhiwo ngasinye sasi-$ 1.5 yezigidi. Ingxelo ibonise ukuba ixabiso lepropati yakho kwindawo nganye yayiyi-$ 750,000.
Umlilo uphupha kwenye yeendawo zakho, ukonakalisa kakhulu isakhiwo kunye nokuqukethwe kwawo. Umonakalo ufikelela kwi-1.8 million yezigidi kwisakhiwo sakho kunye ne-900,000 yeepropati yakho. Ingqikithi yomonakalo i-$ 2.7 yezigidi, ephantsi kakhulu kunomda wengubo. Nangona kunjalo, wakho umshwalense uya kuhlawula i-$ 1.75 yezigidi nje kuphela ngomonakalo kwisakhiwo sakho (i-$ 1.5 yezigidi ngezihlandlo 1.15) kunye ne-862,500 yeepropati yakho (i-$ 750,000 amaxesha 1.15). Uya kufuneka uhlawule ilahleko eseleyo. Ukulahleka kwakho kwe-pocket yi $ 50,000 ngomonakalo kwisakhiwo sakho kunye ne-37,500 $ yomonakalo kwipropati yakho.
Coinsurance kunye neeDeductibles
Ngenxa yokulula, izibalo ezikhankanywe ngentla zingayinakudli i- deductibles kunye ne-coinsurance. Oku akuchaphazeli ukubala kwelahleko ephezulu ehlawulwayo. Nangona kunjalo, i-insurer yakho iya kunciphisa nayiphi na intlawulo yokulahlekelwa ngumyinge we-deductible yakho. Ukuba umgaqo-nkqubo uquka isigatya se-coinsurance, i-insurer yakho iya kunciphisa intlawulo yakho yokulahlekelwa xa ipropati ewonakalisiweyo ixhaswa.