Kuisimbisa Kubatanidzwa Kwemakumbo uye Zvimwe Zvishongo Zvakanaka
Zvishongo zvakaisvonaka zvinodhura uye zvinonzwika. Pane zvinhu zvakawanda zvaunogona kuita kuti udzivirire zvishongo zvako zvakanaka, uye kutenga zvigadzirwa zvemishonga inshuwarani zvinofanira kuva imwe yavo.
Iwe unogona kushamisika kuziva kuti mwene weimba yako kana renter inshuwarisi yemutemo inogona kunge isingabatsiri zvakakwana zvekunamatira kwako nekunyora dzimwe jewelry dzakanaka. Inishuwarenzi yako inogona kuvhara mabhanhire ekugadzira asi inogona kuvhara kurasikirwa kunoitika kune zvimwe zvikonzero.
Usati watenga chero mutemo, dzidza zvakawanda pamusoro pezvaunogona kusarudza pamwe nemibvunzo inokosha yaunofanira kubvunza mujeri wako.
Zvinyorwa zveInishuwarenzi yeInishuwarenzi
Mutori weInsterer uye mwene weimba yerinishuwarenzi akaisa miganhu yekurasikirwa kwezvikamu zvehupfumi hwevanhu, kusanganisira zvishongo. Inyanzvi yeimba yeimba inowanzobhadhara mari yakawanda ye $ 1 000 nokuda kwekubata mabhanhire. A renter's inshuwarisi inogona kuva nemiganhu yakaderera yekurasikirwa kwezvishongo - $ 500 yakajairika. Iwe unogona kuwedzera mumwe mutasvi wechirongwa chako kuti uwedzere muganhu wako wezvishongo zvishongo zvishongo, asi izvi zvichakwira purogiramu yako.
Iko inishuwarenzi yako inoputira kurasikirwa kwezvishongo zvezvikonzero nekuda kwezvikonzero zvimwe kusba - zvakadai sezvinhu zvakarasika kana zvakakuvadza here? Verenga sarudzo yako zvakanyatsobvunzwa uye bvunza wurugiri wako wehushuwarisi kuti ajekese mhando dzemararamiro akafukidzirwa pamutemo wako wepamutemo. Kana hurongwa hwako husingaregi kurasikirwa kana kukuvadzwa, funga kusarudza mumwe mupiki akasiyana-siyana anonyanya kugadzirisa mabhokisi akanaka
Zvimwe Jewelry Insurance Riders
Kana iwe usingadi kutora humwe hurumende chete yezvishongo, unogona kukwanisa mutasviki kana kuwedzera. Paunenge uchishanda zvakajeka zveiye akatasva nemujeri wako, iva nechokwadi chekubvunza mibvunzo iyi kuitira kuti unzwisise zvakanaka nezvekugovera:
- Pane chekudhakwa here? Kana zvakadaro, yakawanda sei, uye kukura kana kuderedza doroti kunobata sei zvinoda mari yako?
- Iko kuongorora kunodiwa musati wawana inshuwarisi here? Pane humwe humwe mhando dzevadzidzisi vemashoko avo vanobvumirwa here?
- Izvo zvinhu zvakabatanidzwa zvisinei nokuti vanoenda kupi? Ungano yacho ingadai yakafukidzira iwe nokuda kwekurasikirwa kunoitika panguva yekufambisa kana yepasi rose?
- Pane zvinhu zvakafukidzirwa zvakakwana zvekubhadhara mari? Unofanira kutora chinzvimbo chacho here, kana iwe unogona kuwana mari yekugadzirisa?
- Icho chinangwa chinofukidza kugadziriswa kwezvishongo zvakakanganiswa here?
Zvishongo zvishongo zveAssurance Options
Makambani anonyanya kuiswa muhomwe yehushuwarisi ndiyo yakakodzera nzira dzekutarisa, kunyanya kana iwe urikusimudzira chinhu chisingaitiki, sekare rekubatanidza ring . Makambani aya anoshanda zvakananga ne jewelers kuti ave nechokwadi chekutonga zvikonzero hazvina kunyatsogadzikana uye sekusununguka-kusununguka sezvinobvira. Vanoziva zvishongo kuitira kuti vazive kana chimwe chinhu, sechinyakare chegadziriro yekugadzirisa, inogona kudiwa kushandiswa.
Bhuku reChubb
Iyi kambani inopa inshuwarisi chaiyo yezvishongo. Iyo kambani inopa mazano kuburikidza nehurumende yega yega inishuwarenzi uye yezvishongo zvevatengesi Heino tsanangudzo pfupi yemitungamiri yenhaurirano yekambani yeChubb:
- Kuzadza kwakakwana kwemubare weitemized inoratidzwa pamutemo.
- Hapana deductible.
- Coverage inoshandiswa munyika yose yezvinhu zvakarasika kana zvakabiwa.
- Kudzokorora hakudiwi, Chubb inopa mari yekugadzirisa. Kana iwe ukatora nzvimbo yechindori, unosarudza jeweler.
Chubb inokurudzira kuongororwa kwezvishongo zvese zvekuchengetedza asi inongoda kuongororwa kwezvinhu zvakakosha kupfuura $ 50,000. Chubb haibatsiri kuvhara madhaimondi.
Jeweler's Mutual
Jeweler's Mutual inopa hupfumi hwehutukutu hunofukidza zvose kugadziriswa nekugadzirisa. Kuparidzira kunonzwisisika, kunyanya kana iwe uri kungotenga inshuwarisi yezvinhu zvishomanana. Iyo nhungamiro haisi kuwanika kusagadzirisa matombo kana zvinhu zvakakuvadzwa. Misha yeCash ndiyo inosarudzwa munharaunda yekurasikirwa, uye kuongorora kunotarisirwa kugoverwa.
Yakarongedzwa na: Lauren Thomann