Blanket Inopera
Chimwe chivharo chebhandi chinobatsira kuti uone kuti une huwandu hwekugovera kana zvimwe zvepfuma yako zvichiwedzera muhuwandu munguva yemitemo.
Muganhu unogona kushanda kune imwe yenzvimbo imwechete yeimba, sezvivako uye pfuma yako. Inogonawo kushanda kune zvivako munzvimbo dzakawanda. Somuenzaniso, fungidzira kuti pfuma yenyu inosanganisira mamiriyoni emadhora e $ 3 mamiriyoni anovhara zvivako uye pfuma yako munzvimbo mbiri. Kana kurasikirwa kunowanikwa kune imwe nzvimbo, iyo yose $ 3 mamiriyoni yemiganhu ichawanikwa.
Kusiyana nemiganhu chaiyo, muganhu wegumbeti inopa chikwama chinokuchengetedza kana chikamu chepfuma chako chichiwedzera mukoshi zvisingatarisirwi. Somuenzaniso, fungidzira kuti iwe unowedzera midziyo mitsva pane imwe nzvimbo yako mushure mekunge mutemo wako wakabudiswa. Somugumisiro, kukosha kweimba yako pachako kunowedzera kubva pa $ 500 000 kusvika ku $ 650,000. Kana yose yako pfuma inoparadzwa nemoto, muganhu we $ blank mamiriyoni 3 uchawanikwa. Kudai wakatsigira iyo pfuma pasi pe $ 500,000 muganhu chaiwo, muganhu wako ungadai wakashandiswa.
Iwe ungadai waifanira kubhadhara mari inosara $ 150,000 kunze kwehomwe.
Muganhu wegorosi unowanzobatanidzwa nekubvumirana kwekukosha kwekugovera . Kana ukasarudza kugoverwa uku, unofanira kutumira chirevo chehu inshu yehupfumi hwehupfumi kune wako inshuwarisi musati mutemo wako watanga. Mashoko aya anomiririra chibvumirano pakati pako nemubhizimisi wako kuti maitiro awakarongedza ndiwo maitiro chaiwo eimba ye inshuwarisi.
Kana imwe nguva bhizimisi yako inogamuchira zvataurwa, mari inobvumirana nayo muhutano hwako ichagadziriswa. Kana kurasikirwa kuchiitika, wako insurer achabhadhara kusvika kumiganhu ye inshuwarisi iyo inoshanda kune zvakakanganiswa pfuma.
Marginal Clause
Chimwe chikamu chemajeri chinowedzerwa kune zvekutengeserana purogiramu yemugove nekubvumirwa . Inogadzirisa chikamu chamuchawana nokuda kwekurasikirwa kana pfuma iri pasi pemubhadharo wehombodo yakakuvara kana kuparadzwa. Kana kurasikirwa kuchiitika, wako insurer haazombobhadhara zvinopfuura chikamu chakati chekukosha kwezvinhu zvakaparadzwa.
Kubvumirana kunosanganisira purogiramu yehupfumi hweimba. Purogiramu yacho inongoronga rudzi rumwe rwezvinhu zvinotsigirwa pasi pevhambeti. Chimwe nechimwe chinoratidzwa nenhamba yeimba, nhamba yekuvaka uye tsanangudzo. Muenzaniso wegadziro remiganhu purogiramu inoratidzwa pasi apa.
Purogiramu
| Premises # : | 1 | Kuvaka # : | 1 | Marginal Clause: | % 120 |
| Tsanangudzo yeImba: Kuvaka iri pa 125 Market St., Pleasantville, CA |
| Nzvimbo #: | 1 | Kuvaka #: | 1 | Marginal Clause: | % 120 |
| Tsanangudzo yePaiti: Business Personal Property iri pa 125 Market St., Pleasantville, CA |
Iyo Inoshanda Sei
Mumuenzaniso uyu, chivako uye pfuma yega yega iri pa 125 Market St. inotungamirirwa nemuganhu wepakati pezana yezana nezana. Iyo inshuwarisi inoshandisa chikamu ichi kuti chiverenge kurasikirwa kukuru kunobhadharwa kwemarudzi ose eimba. Kurasikirwa kukuru kunobhadharwa ndiyo inonyanya kubhadhara mubhadhadziro wekurasikirwa kunosanganisira iyo pfuma. Iyo inshupiri inotora kurasikirwa kukuru kunobhadharwa kuburikidza kuwedzera marginal clause muzana nehuwandu hwezvinhu zvakakanganiswa. Iko kukosha kunobva pane zvinyorwa zvitsva zvemitemo zvawakapa kune wako inshuwarisi.
Somuenzaniso, fungidzira kuti wakatenga purogiramu yemugove nemiganhu ye $ blank mamiriyoni 3. Purogiramu yako yemazuva ano inobva pane zvinotevera zvaunotumira kune yako insurer (tora mitsara uye maonero anomiririra kugadzirisa mari):
- Kuvaka paNzvimbo dzepamusoro # 1 (125 Market St.): $ 1 mamiriyoni.
- Bhizimisi Pfuma Pfuma Pakuvamba # 1: $ 500,000.
- Kuvaka paNzvimbo dzepamusoro # 2 (250 Market St.): $ 1 mamiriyoni.
- Bhizimisi Pfuma Pfuma Pakuvamba # 2: $ 500,000.
Kana chivakwa paChito # 1 chaparadzwa zvachose mumoto, wako insurer haazombobhadhara mari inopfuura $ 1.2 mamiriyoni ($ 1 million mamiriyoni 1.2) kuti adzore chivako chacho. Saizvozvowo, kana nzvimbo yako yoga yoga paChitsuwa # 1 ichiparadzwa, iwe mukuru wako weupuridzi wekwereti achabhadhara kuti atore iyo iri $ 600,000 ($ 500,000 ka2 1.2).
Kukanganisika
Mitsara yemiganhu yakagadzirirwa kubatsira makambani einishuwarenzi , kwete vatsigiri vemazano. Apo chikamu chemukati chinosanganiswa mumutemo wepfuma, mari inobhadhara kurasikirwa inogona kunge yakanyanya kudarika chikamu chembatya.
Mutsara wemuganhu uchave wakakosha zvikuru apo:
- Nzvimbo yako inotsigira kurasikirwa kukuru.
- Izvo zvakakanganiswa pfuma yakawedzera mukukosha kubva purogiramu yako yakatanga.
- Iwe hauna kurondedzera kukosha kwekuwedzera kune inshuwarisi yako.
Somuenzaniso, fungidzira kuti une zvivako zviviri munzvimbo dzakasiyana. Zvose zvepfuma yako munzvimbo mbiri idzi inishuwa pasi pasi pe $ 4 million miriyoni yepamusoro. Nzvimbo yako inotarisana nechikamu chemajeri chikamu che 115%. Mutungamiri wenyu usati watanga, iwe wakapa tereti kune yako inshuwarisi ichiratidza kuti kukosha kweimba imwe neimwe kwaiva $ 1.5 mamiriyoni. Mashoko aya akaratidza kuti kukosha kwepfuma yako pane imwe nzvimbo kwaiva $ 750,000.
Moto unobuda pane imwe nzvimbo yako, uchikuvadza zvakanyanya chivako chacho uye zviri mukati. Kukanganisa kuri $ 1.8 mamiriyoni ekuvakwa kwako uye $ 900,000 zvehupfumi hwako. Izvo zviyero zvose zvinokonzerwa ne $ 2.7 mamiriyoni, izvo zvakanyanya kudarika chikamu chako cheganda. Kunyangwe zvakadaro, mubhadhari wako achabhadhara madhora 1.75 mamiriyoni kuitira kukanganisa kwekuvaka kwako ($ 1.5 mamiriyoni 1.15) uye $ 862,500 yepfuma yako ($ 750,000 nguva 1.15). Iwe unofanirwa kubhadhara kurasikirwa kwako kwakasara iwe pachako. Kurasikirwa kwako kwepahomwe ye $ 50,000 nokuda kwekuvhiringidza kwekuvaka kwako uye $ 37,500 nokuda kwekukuvadza kwehupfumi hwako.
Coinsurance uye Deductibles
Nokuda kwekunzwisisa, zviyero zvakataurwa pamusoro apa hazvina hanya neductibles uye coinsurance. Izvi hazvibatsiri kuverenga kwekurasikirwa kukuru kunobhadharwa. Zvisinei, yako inshuwarheni inoderedza hutori hwekurasikirwa nehuwandu hwehurukuro yako. Kana hurongwa hwako hunosanganisira coinsurance clause, yako insurer ichaderedza kurasikirwa kwako kubhadhara kana zvakakanganiswa pfuma zvisiri pasi.