Chithunzi cha mbiri ya Mary Ramsay

Malangizo opulumutsa pa inshuwaransi yamagalimoto ndi nyumba ku North Carolina


inshuwaransi yakunyumba

Ngati muli ndi nyumba yanu, yang’anani bilu yanu: Theka la ma inshuwaransi onse aku North Carolina ali ndi chodzikanira chomwe chimapangitsa kasitomala kulipira mpaka mazana a madola pachaka kuposa momwe akuluakulu aboma amafunira. Tabwera kudzakupatsani mayankho.


Kukwera kwamitengo kumakhudza ndalama zomwe mabanja aku North Carolina amawononga tsiku lililonse, kuphatikiza inshuwaransi yawo.

Ngakhale kukwera kwa mitengo m’miyezi yaposachedwa kwayang’ana kukwera kwa nyumba, magalimoto ndi gasi, mitengo ya inshuwaransi yapanyumba ndi yamagalimoto yakweranso chifukwa cha zinthu zingapo. Ku North Carolina, akuluakulu aboma adavomereza kukwera kwamitengo ya 7.9% kwa eni nyumba, kuti ayambe kugwira ntchito mu June.

Koma akatswiri akuti pali njira zomwe anthu angachite kuti achepetse kukwera kwamitengo ndikuwonetsetsa kuti apeza njira yabwino kwambiri popanda kupeputsa kuphimba – zomwe nthawi zambiri zimafunikira mwalamulo.

Nawa maupangiri osungira mitengo ya inshuwaransi yamagalimoto ndi nyumba komanso ngakhale kutsitsa.

Zofunikira pa kafukufuku

Kupeza zambiri pa inshuwaransi ndikwabwino, koma muyenera kuwonetsetsa kuti mukukwaniritsa zofunikira zonse. Kulephera kutero kungakugwetseni m’mavuto azamalamulo kapena m’vuto ngati mungafunikire kudandaula.

Kudziwa zomwe ndondomeko yanu iyenera kuphatikizira kudzakuthandizaninso kufunsa “mafunso odziwa” polankhula ndi omwe angakhale othandizira inshuwalansi, malinga ndi Insurance Information Institute, mgwirizano wa makampani osiyanasiyana a inshuwalansi.

Makasitomala atha kupeza zofunikira zaku North Carolina pa intaneti pa ncdot.gov.

Gulani inshuwalansi

Mofanana ndi kugula kwakukulu kulikonse, kugula inshuwalansi kungakuthandizeni kupeza ndalama zabwino kwambiri zomwe zilipo.

Inshuwaransi Information Institute imalimbikitsa “kupeza mawu osachepera atatu” kuchokera kwa ma inshuwaransi osiyanasiyana ndi mitundu yosiyanasiyana ya inshuwaransi-ndiko kuti, omwe amagulitsa kudzera mwa othandizira awo; omwe amagulitsa kudzera mwa othandizira okha; ndi omwe amagulitsa mwachindunji kwa ogula kudzera pa foni, pulogalamu, kapena intaneti. ”

Gulani mkati mwa bajeti

Mtundu wa nyumba kapena galimoto yomwe mumagula imakhudza mitengo ya inshuwaransi, chifukwa chake kuganizira izi mukagula kungathandize kusunga ndalama.

Zinthu zokhudzana ndi galimoto zomwe zimayika mitengo ya inshuwalansi ya galimoto, malinga ndi bungwe la Insurance Information Institute, limaphatikizapo “mtengo wa galimoto, mtengo woikonza, mbiri yake yonse ya chitetezo, ndi mwayi woti ibedwa.” Makampani ena a inshuwaransi yamagalimoto amaperekanso kuchotsera kwa madalaivala omwe amaika tracker m’galimoto yawo kuti awone momwe akuyendetsa.

Kwa inshuwaransi yapanyumba, mtengo wa kapangidwe kake komanso ngati ili m’dera la “tsoka” lili mu inshuwaransi yanu.

Pezani zida zachitetezo ndi chitetezo

Kaya ndi galimoto yanu kapena nyumba yanu, kuchepetsa chiopsezo chokhala ndi chiwongola dzanja kumathandiza kuti inshuwaransi ikhale yotsika.

Pankhani ya inshuwaransi yagalimoto, izi zikutanthauza kuti kusankha galimoto yokhala ndi mbiri yabwino yachitetezo kumatha kupulumutsa nthawi yayitali.

Ndipo kwa inshuwaransi yapakhomo, bungwe la Insurance Information Institute linanena kuti makampani ambiri a inshuwalansi amapereka “kuchotsera pa zipangizo zotetezera monga zowunikira utsi, mbava ndi ma alarm amoto kapena loko ya bawuti.”

Khalani osamala

Makampani ambiri a inshuwaransi amachita cheke cha ngongole polemba mfundo zanu, Insurance Information Institute imalangiza. Ndizothandiza kuchita zomwe mungathe kuti ngongole yanu ikhale yokwera.

Mabanki ambiri, makampani a kirediti kadi, ndi mabungwe angongole tsopano amakupatsani mwayi wowona zomwe mwachita pangongole nthawi iliyonse popanda kuwononga mphambu yanu ndikupereka upangiri wamunthu kuti muwongolere ngongole yanu.

“Phukusi” ndondomeko

Lingaliro la “kuphatikiza” ma inshuwaransi anu – kugula ndondomeko zingapo kuchokera ku kampani imodzi ya inshuwaransi ndikupeza kuchotsera pakuchita izi – nthawi zambiri zimaponyedwa m’zotsatsa. Zingabweretse ndalama zenizeni.

Ndipo nthawi zambiri simusowa kukhala ndi galimoto ndi nyumba kuti “musonkhane” – makampani ena a inshuwaransi amakulolani kuti musunge zinthu monga inshuwaransi ya renter ndi / kapena njinga yamoto kapena inshuwaransi ya boti.

“Kuti mutsimikizire kuti mwapeza mtengo wabwino koposa, onetsetsani kuti mtengo uliwonse wophatikizidwa kuchokera ku kampani imodzi ya inshuwaransi ndi wotsikirapo kuposa kugula chindapusa chosiyana ndi makampani osiyanasiyana,” akutero wachitatu.

Ganizirani kukweza deductible yanu

Kusankha ndalama zotsika mtengo – zomwe muyenera kulipira ngati chinachake chikuchitikirani kunyumba kapena galimoto yanu – mu inshuwalansi yanu nthawi zambiri imachepetsa malipiro anu pamwezi.

Komabe, muyenera kuganizira kuti kukweza ndalama zanu zochotsera kumatanthauzanso kuti mudzakhala pamavuto kuti mupeze ndalama zambiri ngati mungafunike kubweza ngongole.

Nkhani Zofananira kuchokera kwa Charlotte Observer

Mary Ramsay ndi mtolankhani wa atolankhani ndi Charlotte Observer. Mbadwa ya ku Carolina, adaphunzira utolankhani ku Yunivesite ya South Carolina ndipo adagwiranso ntchito ku Phoenix, Arizona, ndi Louisville, Kentucky.

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