Littlejohn: Inshuwaransi Yonse: Kodi Mwaphimbidwa?

Ngati mulibe inshuwaransi yokwanira, ndi nthawi yoti mupeze. Izi ndizowona makamaka kwa anthu omwe ali ndi ndalama zambiri, mabanja olemera komanso olowa m’malo.

Ndi chifukwa inshuwaransi yokwanira ikhoza kukupatsirani chitetezo chowonjezereka kuposa zomwe muli nazo pano. Ndipo pamene ukonde wanu ukukula, ongongoleredwa ndi adani amatha kuthamangitsa katundu wanu.

Tsoka ilo, anthu olemera nthawi zambiri sakhala ndi inshuwaransi yocheperako, ngakhale kuti amakopeka ndi milandu. Mwa iwo omwe ali ndi ndalama zosachepera $ 5 miliyoni, mmodzi mwa asanu alibe ndondomeko yokwanira, malinga ndi lipoti la ACE Private Risk Services. Mwa iwo omwe amatero, pafupifupi 25% akuti ali ndi chidziwitso chochepera pamtengo wawo.



Ngati mulibe inshuwaransi yokwanira kapena simukutsimikiza kuti ndalama zanu zadzaza, nazi zomwe zimaphimba, momwe zimagwirira ntchito, komanso nthawi yogula.

Kodi comprehensive insurance ndi chiyani?

Inshuwaransi yathunthu ndi inshuwaransi yamilandu yomwe imapereka chitetezo kupitilira zomwe zilipo. Zimakhala zamtengo wapatali momwe mulili wolemera, chifukwa mumakhala wokonzeka kukhala chandamale cha milandu yamtengo wapatali.



Inshuwaransi ya eni nyumba yanu idzakupatsani chiwongoladzanja chokwanira mpaka ndalama zina. Komabe, inshuwaransi yokwanira imakulitsa chindapusa chimenecho mpaka malire apamwamba kwambiri.

Tiyerekeze kuti mlendo adzivulaza yekha pamalo anu, mwachitsanzo, ndikukuimbani mlandu chifukwa chandalama zomwe zimaposa zomwe mwini nyumbayo amalipira. Inshuwaransi yokwanira idzateteza zinthu zanu zonse, poganiza kuti muli ndi inshuwaransi yonse.

chimene chimakwirira

Inshuwaransi yokwanira imakupatsirani inu ndi banja lanu motsutsana ndi zomwe mumanena za inshuwaransi zomwe zimapitilira malire a inshuwaransi yanu ina. Izi zimaphatikizapo:

  • kuvulala kwa ena.
  • Kuonongeka kwa katundu wa anthu ena.
  • Milandu ina yokhudzana ndi kunyoza, kuipitsa mbiri ndi miseche.
  • Milandu yamaudindo amunthu.

Mwachitsanzo, tiyerekeze kuti mukuchititsa phwando kunyumba kwanu. Mmodzi mwa alendo anu agwa pansi mwangozi ndikuvulazidwa, kotero amakuimbani mlandu kuti mulipirire ngongole zawo zachipatala. Mukangomaliza ngongole ya eni nyumba yanu, inshuwaransi yanu yonse imayamba kulipira zina zonse.

Kapenanso, yerekezerani kuti wachinyamata wanu ali ndi vuto pa ngozi ya galimoto yomwe inachititsa kuti magalimoto asanu achuluke. Madalaivala ena amavulala kwambiri, zomwe zimachititsa kuti awononge ndalama zambiri zachipatala ndi kutaya malipiro. Ngati inshuwaransi yagalimoto yanu sikwanira kuphimba kuchuluka kwa kuwonongeka, ambulera yanu idzalipira ndalama zowonjezera mpaka malire anu.

Kufotokozera kwatsatanetsatane nthawi zambiri kumagwira ntchito kulikonse padziko lapansi. Nthawi zina, imatha kufikira zinthu zina zobwereka monga mabwato, ma RV, kapena magalimoto.

Zomwe sizikuphimba

Pali zinthu zina zomwe inshuwaransi yathunthu siyingakwaniritse. Zitsanzo:

  • zochita mwadala. Ngati mwawononga mwadala, kuvulaza, kapena kuvulaza munthu wina kapena katundu wake, inshuwalansi yokwanira sikungakupatseni.
  • kutayika kwa bizinesi. Kuphimba kwathunthu sikufikira kubizinesi yanu, ngakhale mutayiyendetsa kunyumba.
  • Kuvulala kwanu kapena kuwonongeka kwa katundu wanu. Ngakhale inshuwaransi yokwanira imakhudza kuvulala kwa ena ndi kuwonongeka kwa katundu wa ena ngati muli ndi udindo, nthawi zambiri simalipira zomwe mwavulala kapena kuwononga katundu wanu.

Zimagwira ntchito bwanji?

Mutagula inshuwaransi yokwanira, chitetezo chanu chili m’malo. Ngati mukuchita ngozi kapena mlandu ndikupeza udindo wanu, ndondomeko yanu ya ambulera idzakuphimbani pamwamba pa zomwe muli nazo panopa.

Ganizirani zochitika zoyipitsitsa izi:

Mumayatsa chizindikiro choyimitsa, kugunda galimoto ina ndikuitenga. Kuphatikiza apo, anthu ena okwera nawo adavulala chifukwa cha izi.

Galimoto ina inali ndi ndalama zokwana madola 50,000, ndipo ndalama zachipatala ndi $400,000. Panthawiyi, dalaivala wa galimoto inayo ndi katswiri wa zamtima yemwe sangathe kugwira ntchito kwa miyezi inayi chifukwa chothyoka dzanja. Imakulipirani $300,000 pamapindu otayika.

Pazonse, muli ndi udindo pa $750,000. Tsoka ilo, inshuwaransi yagalimoto yanu imangofikira $250,000. Ndi chivundikiro chokwanira, ndondomeko yanu ya denga idzapereka $ 500,000 yowonjezera. Apo ayi, mudzakhala ndi udindo wolipira kusiyana.

Kodi mukuganiza zogula liti?

Nthawi zambiri, muyenera kuganizira zogula inshuwaransi yonse ngati katundu wanu akupitilira zomwe muli nazo. Kwa anthu ambiri, izi zimachitika pamene chuma chawo chikuposa pafupifupi $250,000 – chiwongola dzanja chapakati pa inshuwaransi yamagalimoto ndi nyumba.

Kulekerera kwanu pachiwopsezo chanu komanso kupezeka pachiwopsezo kungatsimikizirenso ngati mukufunikira chithandizo chokwanira. Mwachitsanzo, ngati mukufuna kuchereza ndi kuchereza alendo, muli pachiwopsezo chachikulu choti wina avulale mnyumba mwanu, zomwe zitha kubweretsa mlandu wokwera mtengo. Kuphatikiza apo, ngati muli ndi madalaivala achinyamata, inshuwaransi yokwanira imatha kuteteza dzira lanu pakachitika ngozi.

Mungafunenso kuganizira zogula ambulera ngati:

  • Mukuphunzitsa masewera achinyamata,
  • Ndinu eni nyumba kapena munthu wamba,
  • Mumagwira ntchito pagulu la bungwe lopanda phindu, ndi/kapena
  • Muli ndi katundu, maiwe, trampolines, mfuti, kapena agalu.

Mtengo wake ndi chiyani?

Malinga ndi Insurance Information InstituteMtengo wa chithandizo ndi pafupifupi $150 mpaka $300 pachaka pa $1 miliyoni iliyonse yoperekedwa.

Ambiri opereka inshuwaransi adzakufunsani kuti mutenge ndalama zochulukirapo pagalimoto yanu ndi ndondomeko za eni nyumba musanalole kuti mugule zambiri. Kutengera ndi momwe muliri pano, izi zitha kukulitsa mitengo ya inshuwaransi yanu, ndikuwonjezera mtengo wonse wowonjezera zonse.

Mukufuna zingati?

Ndondomeko zimagulitsidwa mowonjezera $ 1 miliyoni, ndipo malire amayambira pa $ 1 miliyoni. Ngakhale kuti zinthu zonse zimakhala zosiyana ndipo zosowa zofunikila zimasiyana, lamulo labwino ndikugula inshuwaransi yokwanira yokwanira kubweza zomwe muli nazo panopa kuposa zomwe muli nazo panopa.

Brian Littlejohn, MBA, CFP®, CFA ndiye anayambitsa Sherwood Wealth Management, kampani yolembetsa, yodziyimira payokha yopangira upangiri. Amakhala ku Woody Creek ndipo amagwira ntchito ndi makasitomala ku Roaring Fork Valley ndi kupitirira apo.

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