Muridzi wechidimbu cheimba ane chido chisingagoneki mairi. Muridzi wacho acharasikirwa nezvose kana chikamu chemari yeimba iyo nzvimbo yacho yakakuvara kana kuparadzwa.
Semuenzaniso, Sam anokwereta $ 500,000 mune mari yekuchengetera mari yekushandisa mubhizinesi rake. Makore mashanu gare gare, chivako chakakosha kusvika $ 600,000. Chivakwa chinofanira kuparadzwa nemoto, Sam aizosimbisa kukanganisa kwemari ye $ 600,000. Nokudaro, chido chaSamu chisingavimbiki pakuvaka chiri $ 600,000.
Mutemo Wechido Chisingagoneki
Inishuwarenzi yehupfumi inobva pamurairo unonzi murairo wekuchengetedza chido . Murairo uyu unobva pane pfungwa yokuti munhu haagoni kuwana mubhadharo nokuda kwekukuvadza kune pfuma yehupfumi kana iye asina rufaro rusingaregi mairi kana kukanganisa kuchiitika. Mutemo wakagadzirirwa kuchengetedza hukama hunopesana nekubiridzira , kusavimbika, nekufungidzira. Muenzaniso unotevera unoratidza kuti sei izvi zvichikosha.
Bill ane chivako chekutengeserana chaanovimbisa pasi pekutengesa purogiramu yemari . Mwedzi mitanhatu mushure mekutenga mutemo, Bill anotengesa chivako kuna Steve. Bill haasi kuzivisa kambani yeinishuwarenzi yekutengeswa.
Vhiki mbiri gare gare chivako chakaparadzwa nechamupupuri. Steve ari kunze kwenyika apo kukanganisa kunoitika uye haazive kuti kwaitika.
Bhiri iyo inosora chikwata chekugadziriswa kwechivako chechivako pasi pehupfumi hwake. Usingazivi kuti Bill haasisina hanya muchivako, mubhadhari wake anomubhadhara kurasikirwa.
Bill akaunganidza mhepo kubva kune inshuwarisi yake . Akagamuchira mubhadharo wekurasikirwa kwemari iye asina kuchengeta. Apo kukanganisa kwaitika, Bill akanga asina chido chisingavimbi muimba.
Inishuwarenzi inofanirwa kuita inshuti "yose" yekurasika, kwete kubatsirwa nayo. Nokudaro, inshuwarisi yakasiyana nekubhejera. Kubhejera kunogona kupa pfuma asi inshuwarheni haigone. Nokuda kuti insureds ive nechido chekuchengetedza chekuchengetwa kweimba, makambani einishuwarenzi anovimbisa kuti purogiramu yemapurisa haigone kushandiswa pakubhejera.
Kufarira Kwevatengesi
Munhu ane chikwereti ane chido chekuchengetedza muimba inoshandiswa sechikwata chechikwereti. Ngatitii Sarah anowana chikwereti chemari $ 25 000 kubva kubhangi kuti atenge firiji yebhizimisi. Bhenji ine kodzero yekuwana nhaka yefriji kana Sara akasafa pane chikwereti. Kana firiji iri kuparadzwa nemoto kana imwe njodzi, bhangi icharasikirwa nehuwandu hwezvakawanda. Bhengi inogona kuchengetedza kufarira kwayo mari mune firiji nekukumbira Sara kuti atsigire chigadzirwa pasi pekutengeserana kwemahofisi.
Kana munhu akawana chikwereti kubva kubhangi kuzotenga chivako, bhengi (mortgagee) ine chido chisingaregi muchivako kusvika pamwero wekodzero yakawanda.
Kufarira kwebhangi iri muchivako kunoderera kwechinguva sekukwereta kuripa chikwereti. Mutengi (mortgagor) ane chido chisingaregi muimba yacho kusvika pamwero wehutano hwake muimba.
Ngatitii Bob anotenga chivako che $ 1 mamiriyoni. Bob anosimbisa chivako che $ 1 mamiriyoni pasi pekutengeserana kwemahofisi. Makore mashanu gare gare, chivako chakaparadzwa nemoto. Panguva yemoto, Bob ane chikwereti $ 500,000. Mubatsiri weBob anotsanangura kuti kukosha kwechivako kuri $ 1 mamiriyoni. Inotumira mari ye $ 1 Mamiriyoni kubhengi. Bhengi inowana $ 500,000 uye inotumira zvakasara kuna Bob.
Nhamba yeInotora Inofadza
Mari iyo iwe unogona kuwanazve kwekurasikirwa kwepfuma inobva pane chido chako chisingaregi muimba iyo kurasikirwa kwakaitika . Kana kufarira kwako muimba yacho kwakashanduka sezvo mutemo wacho wakanyorwa, inshuwarisi yako ichaverenga kurasikirwa kwako kubva pane zvaunofarira muimba panguva yekurasikirwa.
Semuenzaniso, ngatiti iwe unotenga chivako chaunodzivirira pasi pekutengesa purojeti pfuma. Mwedzi mina gare gare unotengesa hafu yezvaunofarira mukuvaka kune shamwari yako, Jim. Mwedzi miviri mushure mekutengesa imba iyi inopisa pasi. Iwe unopa kudai pasi pehupfumi hwehupfumi hwako uchitsvaga kugadzirisa kukosha kweuwandu hwehupfumi hwechivako. Mudzidzisi wako anoona kuti iwe wakanga uine 50% chete yesimba apo kurasikirwa kwaitika. Muchengetedzi wako anokupa chikwereti che 50% chete yekubatsira kwechivakwa.
Auto Physical Damage Coverage
Mitemo ine chokuita nekufarira isingashandisi inoshandiswa pakuvhiringidza kwekugadzirwa kwepanyama pasi pekutengeserana kwehurumende mutemo . Kuti uwane ruregerero rwekurasikirwa kana kukanganisa kwemotokari yakavharidzirwa pasi peKunyatsonzwisiswa, Yakananga Causes of Loss, kana kuti Kugoverana Kwekugadzirisa, iwe unofanira kuva nechido chekuchengetedza mumotokari yakakanganisika panguva iyo kurasika kunoitika.