Kodi inshuwaransi yapaulendo imatani (ndi zomwe siziphatikiza)

  • Inshuwaransi yapaulendo ikufuna kubweza zoopsa ndi kutayika kwachuma komwe kumakhudzana ndi maulendo.
  • Kufunikanso kungaphatikizepo kuletsa ndege, kuteteza katundu, chithandizo chamankhwala komanso kusamutsidwa mwadzidzidzi.
  • Ngakhale kulipirira ndalama kuli phindu lofunika, inshuwalansi yapaulendo ingaperekenso mtendere wamumtima.

Kaya ndi ulendo wapadziko lonse lapansi kapena ulendo wodutsa m’boma, kupeza inshuwaransi yoyendera kungapereke mpumulo waukulu ngati zinthu sizikuyenda bwino. Kuchedwa kwa ndege, kutayika kwa katundu, matenda, kuvulala, ndi zochitika zina zosayembekezereka zingasokoneze mapulani abwino kwambiri. Ndi kusokoneza kwakukulu kumabwera kuthekera kwa ndalama zosayembekezereka.

Inshuwaransi yapaulendo ndi chithandizo chomwe chimapereka zingakuthandizeni kukhala otetezedwa ndikukusungirani ndalama pakapita nthawi.

Kodi inshuwalansi yapaulendo ndi chiyani?

Inshuwaransi yapaulendo idapangidwa kuti iteteze apaulendo kuti asawonongedwe ndi ndalama ngati china chake sichikuyenda bwino paulendo wawo. Pali mapulani osiyanasiyana, koma inshuwaransi yoyenda nthawi zambiri imakhala ndi mitundu ingapo ya chithandizo.

atero Angela Borden, katswiri wa inshuwaransi yoyendera komanso katswiri wazogulitsa pakampani ya inshuwaransi ya Seven Corners.

Inshuwaransi yapaulendo nthawi zambiri imakhala ndi malipiro osabwezeredwa ndi ndalama zina zoyendera. Ngakhale kubweza ndalama kuli kofunikira, palinso phindu lina la inshuwaransi yapaulendo: lingapereke mtendere wamumtima.

Inshuwaransi Yoyendera Yoyamba kuchokera ku Insider

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Kodi inshuwaransi yapaulendo imakhala yotani?

Dongosolo lanu la inshuwaransi yaulendo (ndi ziganizo ndi zikhalidwe zake) lifotokoza mwatsatanetsatane komanso mwatsatanetsatane zomwe zaperekedwa. Monga momwe zimakhalira ndi mitundu ina ya inshuwaransi, lamulo lalikulu ndilakuti mukawononga ndalama zambiri, mudzakhala ndi chithandizo chochulukirapo.

“Inshuwaransi yaulendo ikhoza kusokoneza, choncho ndi bwino kuyang’ana kampani yodalirika yomwe imagwira ntchito za inshuwalansi ya maulendo ndipo ili ndi mbiri yakale yothandiza bwino apaulendo padziko lonse lapansi,” akutero Borden.

Ndege zolepheretsedwa komanso zochedwetsedwa

Inshuwaransi yapaulendo ikhoza kukubwezerani ndalama zaulendo wosabweza ngati waletsedwa. Kuonjezera apo, kuchedwa kwaulendo kumapereka mwayi wobwezera ngati woyendayo wachedwa. Izi zingaphatikizepo mahotela, matikiti, chakudya, ndi ndalama zina zokhudzana nazo.

matenda kapena kuvulala

Nthawi zambiri, mapulani azaumoyo aku US samavomerezedwa m’maiko ena. Choncho inshuwalansi yapaulendo yokhala ndi chithandizo chamankhwala ikhoza kukhala yothandiza makamaka mukakhala kunja. Chithandizo chachipatala chingathandizenso kupeza madokotala ndi zipatala.

Zoyendera zachipatala zadzidzidzi

Kulipirira zoyendera zachipatala kudzalipirira zolipirira zotuluka mwadzidzidzi monga zamayendedwe apandege ndi maulendo okonzekera mankhwala opita ku United States. Ndalama zimenezi zimatha kufika madola masauzande ambiri. Mapulani ena angakusamutsireni kuchipatala chomwe mukufuna kuti mukasamalidwe.

Katundu wotayika kapena wochedwa

Ngakhale ndege zambiri zimalipira okwera ngati katundu watayika kapena kuwonongeka chifukwa cha vuto lawo, pangakhale zoletsa. Mapulani a inshuwaransi yapaulendo nthawi zambiri amalipira zinthu zakuba, monga zomwe zabedwa m’chipinda cha hotelo. Komabe, malamulo ambiri samaphimba zodzikongoletsera zodula, zakale, kapena zolowa.

Kodi inshuwaransi yaulendo wa kirediti kadi ndi chiyani?

Chofunikira kwambiri pamakhadi ambiri a ngongole omwe amalipidwa paulendo ndi inshuwaransi yawo yapaulendo. Nthawi zambiri, muyenera kugwiritsa ntchito khadilo pochitapo (osachepera ndi kulipira pang’ono) kuti muyambitse chitetezo.

Khadi lirilonse liri ndi malamulo enieni okhudza zomwe kwenikweni zimaphimbidwa. Koma m’modzi mwa atsogoleri amakampaniwo ndi kirediti kadi ya $ 550 pachaka cha Chase Sapphire Reserve. Nayi chithunzithunzi cha zomwe khadi iyi yafotokoza:

  • Katundu kuchedwa: Mpaka $100 patsiku amabwezeredwa mpaka masiku asanu ngati wonyamula katundu achedwetsa katundu wanu kwa maola opitilira sikisi.
  • Katundu wotayika komanso wowonongeka: Mpaka $3,000 pa wokwera ndege iliyonse, koma mpaka $500 pa munthu aliyense pa zodzikongoletsera ndi mawotchi komanso mpaka $500 pa wokwera pamakamera ndi zida zina zamagetsi.
  • Malipiro ochedwetsa ndege: Mpaka $500 pa tikiti iliyonse ngati mwachedwa kupitilira maola asanu ndi limodzi kapena muyenera kugona.
  • Kuletsa ulendo ndi chitetezo chosokoneza: Mpaka $10,000 pa munthu aliyense ndi $20,000 paulendo wa pandege zolipiriratu, zosabweza zolipirira zoyendera.
  • Phindu losamutsidwa kuchipatala: Kufikira $100,000 kuti mutuluke mwadzidzidzi ndi mayendedwe mukamayenda ulendo wamasiku asanu mpaka 60 ndikuyenda makilomita oposa 100 kuchokera kunyumba.
  • Inshuwaransi Yangozi Yoyenda: Kuphimba imfa yobwera chifukwa cha ngozi kapena kudulidwa kwa $ 100,000 (mpaka $ 1,000,000 pakuyenda limodzi ndi onyamula katundu).
  • Ubwino wamankhwala azadzidzidzi ndi mano: Kufikira $2,500 pazamankhwala (malinga ndi kuchotsedwa kwa $50) mukatenga ulendo wokonzedwa ndi bungwe loyendetsa maulendo ndikuyenda makilomita oposa 100 kuchokera kunyumba.
  • Kubwereketsa galimoto: Kubera koyambirira kapena kuwonongeka kwa ngozi mpaka $75,000 pa renti masiku 31 kapena kuchepera

Ngakhale chitetezo chowonjezereka chikuphatikizidwa ndi makhadi omwe amalipira pachaka, ngakhale Chase Freedom Flex yopanda malipiro apachaka, mwachitsanzo, imaphatikizapo $ 1,500 pa munthu (ndi $ 6,000 paulendo) pakuletsa ulendo ndi kusokoneza ulendo.

Komabe, pali kusiyana pakati pa mayendedwe oyenda pa kirediti kadi ndikupeza chithandizo kuchokera kwa munthu wina.

“Kupereka makadi a ngongole nthawi zambiri sikumapereka chithandizo chamankhwala paulendo,” akutero Borden. “Kuti muteteze ngati mukudwala kapena kuvulala pamene mukuyenda, mudzafunika ndondomeko ya inshuwalansi yaulendo ndi chithandizo chamankhwala.”

Kaya mumapeza inshuwaransi yoyendera panjira yodziyimira yokha kapena kudzera pa kirediti kadi, ndikofunikira kuti muwunikenso tsatanetsatane wa dongosolo lanu mosamala. Mulimonse momwe zingakhalire, pakhoza kukhala zosiyana ndi zofunikira zina monga masiku omalizira pamene mukudandaula, Borden notes.

Ndi chiyani chomwe sichilipidwa ndi inshuwaransi yapaulendo?

Kudziwa zomwe inshuwaransi yapaulendo sichimakhudza ndikofunikira monga kudziwa zomwe imachita.

“Apaulendo akuyenera kumvetsetsa kuti phindu la inshuwaransi yoyenda limagwira ntchito ngati pali chifukwa chomwe chatsekedwa,” akutero Borden. Mapulani ambiri a inshuwaransi yaulendo sangakubwezereni izi:

Letsani pazifukwa zilizonse (CFAR)

Pokhapokha mutagula inshuwaransi yaulendo kuti muletse pazifukwa zilizonse, zopindulitsa zanu zitha kugwira ntchito ngati zili pamwambo wophimbidwa. Mwachitsanzo, simudzalipidwa chifukwa chongosintha maganizo okhudza ulendo.

Zolosera zanyengo

Ngakhale kuti mphepo yamkuntho yadzidzidzi kapena zochitika zanyengo zosayembekezereka nthawi zambiri zimaphimbidwa ndi ndondomeko ya inshuwalansi yaulendo, mwachitsanzo, mphepo yamkuntho yonenedweratu komanso yotchedwa tornado.

Miliri ndi miliri

Popeza COVID-19 yasokoneza kuyenda padziko lonse lapansi, apaulendo ambiri aphunzira movutikira kuti mapulani ena a inshuwaransi yoyendera samaphimba miliri ndi miliri. Ngakhale kuti ndondomeko zambiri zasintha kuti ziphatikizepo nkhani zokhudzana ndi mliri, izi sizili choncho nthawi zonse.

zokopa alendo zachipatala

Ngati mukupita kumayiko ena kukalandira chithandizo chamankhwala kapena kukaonana ndi dokotala, sizingakwaniritse dongosolo lanu la inshuwaransi yaulendo ngati china chake sichikuyenda bwino.

Zomwe zinalipo kale komanso mimba

Anthu omwe ali ndi matenda omwe analipo kale, monga munthu yemwe ali ndi matenda a shuga ndipo amafunikira insulin yambiri, sangapangidwe ndi dongosolo. Kuonjezera apo, ndalama zokhudzana ndi mimba sizingapangidwe ndi mapulani ambiri.

Masewera ndi zochitika kwambiri

Ngozi mukuchita nawo masewera oopsa monga skydiving ndi paragliding sizidzafotokozedwa m’mapulani ambiri. Komabe, mapulani ambiri amapereka kuthekera kokweza ku mtundu wamtengo wapatali womwe umaphimba zinthu izi.

pansi

Kugula inshuwaransi yaulendo ndikosavuta, ndipo kalozera wa Personal Finance Insider kumakampani abwino kwambiri a inshuwaransi yapaulendo amafotokoza zomwe tasankha. Kumbukirani, werengani ndondomeko yanu ndi tsatanetsatane wake kuti muwonetsetse kuti ili ndi zinthu zomwe muyenera kuzilemba.

Palibe amene amakonda kuganiza za momwe ulendo ungayendere monga anakonzera asananyamuke. Komabe, kwenikweni, inshuwaransi yapaulendo imapereka mtendere wamumtima paulendo wanu. Ngakhale kuti mtengo wake woyamba ungawoneke ngati wofunika, poyerekeza ndi mtengo waulendo woimitsidwa, kusamutsidwa mwadzidzidzi, kapena bilu yachipatala yokwera mtengo, ndi mtengo wocheperako kuti ulipire mu dongosolo lalikulu lazinthu.

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