Wakambove wakanetseka here kuti iwe uchachengetedzwa kana iwe pfuma yako yega ichikuvara, kana kana mumwe munhu achizvikuvadza muimba yako?
Renter's inshuwarisi yerudzi rwe inshuwarisi yakagadzirirwa vanhu vanobhadhara, kusiyana neyevo, nzvimbo yavo yekugara. Renter's inshurensi inogona kusanganisira hupfumi hwehupfumi (hwekukuvadza kune zvinhu zvaunogara muimba yako yauri iwe) uyewo kuvharirwa kwekodzero (nekuda kwekukuvara).
Iyo inozivikanwawo se : Tenant's inshuwarisi, inshuwarisi yeimba.
Chinoita Kuti Ude Inishuwarenzi yeRoyer
Iwe unoda renter ye inshuwarisi kuti ikufukidze iwe kana imwe yemidziyo yako, magetsi, mabhuku, kana zvimwe zvinhu zvingave zvakakuvara kana kuparadzwa. Inishuwarenzi yeLoyer inokufukidzawo pane zvakaitika apo mumwe munhu akakuvadzwa muimba yako kana imwe pfuma yeumwe munhu yakakuvara uye inokushusha iwe.
Renter's inshuwarisi inokosha chero bedzi iwe uchikwereta imba yako. Inoshandisa zvakafanana kana iwe uchikwereta imba, condo, coop, kana imba.
Chinoita Kuti Uchidire Kunyange Kunyangwe Muridzi Wenyu Ane Inishuwarenzi
Iwe unoda renter yunishuwarenzi kunyange kana mwene weimba yako ane inshuwarisi. Kunyange zvazvo muridzi weimba yako anenge ane inshuwarisi yepfuma uye yepamutemo, mutemo wemwene weimba yako haafaniri kuvhara zvinhu zvaunogara mukati meimba yako, uye hazvikudziviriri kana musikana akukuvadzwa uye anokukumbira iwe.
Mutengo uye Kuwanikwa
Renter's inshuwarisi inogona kunge inodhura zvishoma kudarika iwe unofunga.
Iko inofanira kukumhanya iwe zvishoma $ 10- $ 25 pamwedzi, uye iwe unogona kukwanisa kubatsirwa kubva kune dzimwe dzarudzo.
Vaverengi vanoverengera pamusoro pezita remishonga, seAllstate, GEICO, uye State Farm, vanopa renter inshuwarisi. Kana iwe uchitova neinishuwarenzi (somuenzaniso, nokuda kwemotokari yako) nekambani yaunoda, bvunza vashandi vako kana kuti mutengesi kana iwe unogona kuwanawo renter's insurance policy.
Ramba uchiyeuka kuti kuva nemitemo inopfuura imwechete neye inshuwarisi imwe chete inogona kukuchengetedza mari kuburikidza ne "multi-line discount".
Hezvino nzira yekuchengetedza mari paunenge uchitenga inshuwarisi:
Tenga zvakapoteredza kuti uenzanise mitemo
Usawana huwandu hwakawanda kupfuura iwe unoda
Endai nechepamusoro deductible
Kumbira bhizinesi yako nezvezvimwe zvikomborero (somuenzaniso, kuva nechigadziro chekuchengetedza chakadai sekusvuta utsi wechina, yekuve nemitemo yakawanda neye inshuwarisi imwechete, kana kuti uri pamusoro pemakore mashanu uye uri pajeri)
Bharai mubayiro wegore rose mubhadharo imwechete (panzvimbo pane mumwedzi wekubhadhara, izvo zvinowedzera kuwedzera mari yemari)
Enda kuInternet kuti uwane zvinyorwa.Thanks kuInternet, zviri nyore kuwana imwe kana kunyange yakawanda yeva renter's inshuwarano yemitemo pasina chero mhiko
Zvinoda Vatengi Inishuwarenzi Kunyange Kana Iwe Usava Nehupfumi hweMunhu
Renter's inshuwarisi ichiri kukosha kunyange kana iwe usina nzvimbo yakawanda yega yega nekuda kwechiremera chinowanikwa. Uyewo, mikana yako pfuma yako inokosha kupfuura iwe unofunga. Kana iwe usina nzvimbo yakawanda yega yega yekuchengetedza, ipapo iwe unogona kuchengetedza mari nekusarudza mutemo wechidiki uri pasi.
Zvechokwadi Cash Value nekushandiswa Kwekugadzirisa Mariko Coverage
Mari yakawanda yaunogamuchira nokuda kwezvinhu zvakakanganiswa kana yakarasikirwa zvinoenderana nokuti iwe unosarudza mari chaiyo yekutengesa (ACV) kana kuti shanduro yekubhadhara mari inoshandiswa.
Kuvharwa kweCVV kunokweretesa kukosha kwemusika weimba yako panguva iyo isati yakanganisa. Kudzorera mari yekubhadhara mari kunokubhadhara iwe zvakakwana mari yekuwana chinhu chitsva kuti utsive icho chakaparadzwa.
Sezvaunotarisira, kushandiswa kwekubhadhara mari inodhura kunodhura kupfuura ACV, asi inowanzokoshesa.
Somuenzaniso, funga nezvezvaizoitika kana kombiyuta yako, terevhizheni, kana kuti stereo system yakaparadzwa. Kana iwe chete waive neCVV yekuvhara, iwe ungangodaro unomhanya zvishoma pane zvaungada kuti uwane nzvimbo idzi dzinodhura.
Mari Yekuvhara Nguva Yakatarisa
Inishuwarenzi yeLoyer inowanzovhara mararamiro ako kana iwe uchifanira kutama kwenguva pfupi nekuda kwekukuvara kwakakura kweimba yako. Ichi ndicho chinhu chaunofanira kusimbisa, zvisinei, newaini yako kana mutengesi asati agadzirisa purogiramu.
Renter's Inishuwarenzi uye Mafashamo Emvura
Kufanana nevanhomba, vashandi vanogona kusarudza kutenga kuvhara kuti vatsivire kurasikirwa kunokonzerwa nemafashamo, izvo zvinosanganisira pfuma yavo pachavo. Sezvo nedzimwe maitiro ekurasikirwa, ramba uchifunga mupurisa weimba yveshuwarenzi haingabhadhari vashandi kuti vakuvadze pane zviri mukati meimba yavo.
Kana iwe uchida kuwana kuwana rudzi urwu rwekugoverwa sechikamu chenharensi yako, zvinokosha kuti ukurukure zvaunosarudza neine inshuwarisi yehushuwarisi kana mutengesi apo iwe unotanga kuenda kunotenga inshuwarisi yemainter, iyo inowanzotanga iwe wapedza imba uye iwe wakasayina kana uri kuda kuisa chikwata. Zvisinei, kana iwe uine ine renter's inshuwarisi uye iwe uri kufunga kuwedzera kuwedzera kwekuparara kunokonzerwa nemafashamo, hapana chikonzero iwe haufaniri kukwanisa kuita kudaro.
Kusiyana nedzimwe njodzi kana zvinokonzera kurasikirwa, kukanganisa kubva kune mafashamo kunodzivirirwa nekutsvaga zvakasiyana nemafasipisi emishuwarenzi, iyo inotungamirirwa neNational Flood Insurance Program (NFIP). Kuwanda kwemutengo wacho kunobva pane zvimwe zvinhu zvakadai sekugoverwa kwako uye nzvimbo yako yekuvaka zvivako ngozi, zvichibva pane iyo iripo. Sezvo muridzi wemba, nerufaro, iwe unofanirwa kungoda kuchengetedzwa kwezviri mukati meimba yako, iyo inofanira kunge iri nyore kukwana mubhajheji yako.
Nzira Yokugadzirisa Nayo Kana Yakapedzwa neInishuwarenzi Yomutengesi
Kana iwe uchitenga renster inshuwarisi yehurumende ndokubva uenda kune imwe imba, mutemo wako haufaniri kuve wakanganisa, kana kana kutama kuri munzvimbo imwe chete. Raira wako inshuwarisi yekufamba kwako uye upe kero yako itsva kuti uve nechokwadi chekuvhara.