Marudzi eInishuwarenzi yeVatengesi uye Imari Varimi

Ndeipi Inishuwarenzi Vatengesi Nezvivako Vanotarisira?

Inishuwarenzi ihurukuro inowanzorambwa nevanotengesa zvivako nevatengesi, kunyange zvazvo iri chikamu chinokosha chezvinhu zvose zvinobudirira pfuma yekuita mari. Kana muchiitiko chekurasikirwa kwepfuma, kukanganisa kwepfuma, kana kutongerwa mhosva, kana iwe usingakwanikwi, unogona kuzviwana uri pfuma yakaipisisa, iwe weimba yako yekuita mari yekuita basa mukutengesa, kana kuti zvakanyanya kuwedzera, kuponeswa kwehupenyu hwako kwakabviswa kunze uye kutonga kukuru pamusoro pako.

Uine inshuwarisi yakakodzera munzvimbo, iwe unogona kuzvikomberedza pamusoro pekurasikirwa kukuru kunogona kukanganisa kukanganisa kwemari. Zvakakosha kuziva, zvisinei, kuti unofanira kuwana huyero hwakanaka pakati pekuva inshuwarisi yakawanda uye mari yakaipa. Iwe unoda kuve nechokwadi chokuti mari yaunobhadhara muhomwe yemishonga yehushuga yoga haina kuisa dambudziko rezvemari kwauri nebhizimisi rako. Kana iwe ukazviwana uri munhamo yezvemari nekuda kweruzhinji mari, inogona kuva nguva yekufungazve nezvekutsvaga kwako.

Zvakakoshawo kuziva kuti iwe unofanira kugara uchitaura nenyanzvi yehushuwarisi mumiririri kuzokurukura mamiriro ako ezvinhu uye zvinoda. Imba imwe neimwe yakasiyana. Imba iri munzvimbo yegungwa ine zvakasiyana-siyana zvehushuwarenzi zvinodarika imwe inopoteredzwa neminda yepurazi. Kuninikidzika, imwe nzvimbo yekutsvaga mari, kudarika-kusimudzira pfuma yekutsvaga kana kuva nemhando dzisina kunaka dzeinishuwarenzi pfuma yekutsvaga inogona kuunza migumisiro yakaipa.

Marudzi eInishuwarenti ye Real Estate Vashandi nevatengesi:

Njodzi uye Inishuwarenzi yeMoto yePfuma Pfuma

• Njodzi uye inshuwarisi yemoto inogara ichidiwa.

Mhosva yeInishuwarenzi

• Inishuwarenzi yemhosva inogara ichidiwa. Iwe unogona kutenga inshuwalisi yemhosva yeimba yako chaiye uye yebhizimisi yako chaiyo.

Sewer Backup Insurance

• Sewer backup inshuwarisi inogara ichidiwa uye inogona kuwedzerwa kune ngozi yako uye inshuwarisi yemoto pasina mari shoma.

Mafashamo Inishuwarenzi yeMuviri Pfuma

• Inishuwarenzi yemafashamo inongodiwa chete kana iwe uri mune imwe nzvimbo yakasarudzwa nemafashamo, kana nzvimbo yako iri munzvimbo isina kusarudzwa senzvimbo yepamusoro yemafashamo asi inogona kunge ichiine simba rekufashamo kana kana uri kunetseka kuti mafashamo akaipisisa angaparadza nzvimbo yako.
  
• Kana nzvimbo yako inopedza dutu rakadai sechamupupuri uye ruzivo rwakaitika mafashamo, njodzi yako yenguva dzose uye inshuwarisi yemoto haifaniri kufukidza kurasikirwa kwako. Vakawanda veimba uye vashandi vezvivigiro vane njodzi vakaidzidza izvi nenzira yakaoma apo kunze kwezvinhu, zvakadai semupupuri, zvakakonzera kupisa mukati meimba yavo. Mafashamo anokonzerwa nemvura yekunze, kureva, kwete kubva pombi inoputika kana kuputika mumba mako, haisi kazhinji yakafukidzirwa neimba yeimba yechurenzi. Pasina inishuwarenzi yemvura yakawanda, iwe unogona kunge usina ruzivo mukuwana mari yemishuwarenzi kuti ubatsire kuvhara kurasikirwa.

Terrorism Insurance

• Ugandanisi hwehugandanga hunodiwa chete kana iwe uchinetseka kuti chiito chekutyisa chingakonzera kukanganisa kweimba yako.

Inshurenzi yengozi yemuvakidzani

• Inishuwarenzi yengozi yevakadzi inongoda chete kana iwe ukatenga nzvimbo isina chaipo kana kuti yakawanda isina nzvimbo uye uri kugadzirisa nzvimbo yacho. Nokuda kwehuwandu hwekuparadzwa kwezvinhu, kuparadzwa kwepfuma, uye kontrakiti 'slip uye inowira,' zvivako zvinowira munharaunda iyi hazviwanzokwanisi kubhadhara dambudziko rinowanzoitika uye inshuwarisi yemoto kana mitemo. Mukuru wako weinishuwarenzi achada kukupa iwe inshuwarheni kuburikidza nemisika yepamusoro. Lloyds weLondon ndeimwe yepamusoro-soro yeruzhinji inshuwarisi. Rudzi urwu rwe inshuwarisi inowanzova yakawanda kusvika mana kana inopfuura inodhura kupfuura dambudziko rinowanzoitika uye inshuwarisi yemoto kana mitemo.

Kurasikirwa Kwemari Inishuwarenzi

• Kurasikirwa nemishuwarenzi yemari inongoda chete kana uri muridzi weimba ane pfuma yekutsvaga iyo iwe uri kukwereta kune vashandi. Vashandi vanoisa pfuma nechinangwa chekutengesa iyo kumusha wemusha havawanzodi rudzi urwu rwe inshuwarisi. Kurasikirwa nemishuwarenzi yemari inowanzowedzerwa kune njodzi yako uye inishuwarenzi yemoto pane imwe mari inodhura.

General Contractor Insurance

• General inshuwarisi yveshuwarenzi inodiwa kana iwe ukasarudza kuva chikwata chekambani yakabvumirwa kuitira kuti iwe ugone kukwevera zvibvumirano zvako zvekugadziridza mabasa panzvimbo yako yekuvakira.

Vashandi Vekubhadhara Inishuwarenzi

• Vashandi vanobhadhara inishuwarenzi inodiwa kana mune vashandi vakadai sevatariri, vashandi vekuchengetedza, vanogamuchira zvekugamuchira, kana kunyange pavanoshandira makontrakiti uye muchivabvumira kushanda pasi peinishuwarenzi yako.

Umbrella Insurance Policy

• Imburera inishuwarenzi haitombodi kudiwa, asi nguva dzose chinhu chakanaka kuva nacho sezvo inopa kuwedzera kwekuchengetedzwa kwemhosva.

Urongwa urwu runogona kuratidzika kwenguva yakareba, asi hahuwandu. Kune dzakawanda zveimwe mishonga yveshuwarenzi iyo iwe unogona kuida, ndicho chikonzero nei zvichikosha kuva nekwanisi uye anovimbiswa nemubhizimisi wechuwarisi muboka rako kuti uongorore mamiriro ako ega uye zvaunoda.