Isu tinoshuva iyo Dacha ... rombo rakanaka

Inishuwarenzi yedzimba dzeNyika uye Cottages: Kugadziriswa Kwekugadziriswa, Inishuwarenzi Premium size. Matipi eavo vakatove vachinamatira imba yavo kana imba yekugara.

Vashoma vanofara, vane dzimba dzakasarudzika dzimba. Kurwiswa, varidzi vasingaverengeki vegwenzi dzinotonhorera. Maitiro ekuwedzera mafaro, usape izvo zvinhu kana munhu akaipa kuti aparadze makore akasikwa? Mhinduro iri pachena: Ine who waunofarira, asi imba isina njodzi.

Makore mashoma apfuura, vashoma vanhu vaive netsika uye mune zvemari kugadzirira kubhadhara rugare rwavo rwepfungwa uye kuchengetedzwa kwenzvimbo. Asi zvishoma nezvishoma vanhu vane chokwadi chekudikanwa kweinishuwarenzi yezvinhu. Kugara kwevagari venzvimbo yedu kuri kukura (kunyangwe kwete nekukurumidza sezvandiri kuda), nzira yakabudirira yehupenyu inokunda vatsigiri vatsva vese. Kana iyo inishuwarenzi yeparamende ichiri isinganyanyo kuvandudzwa, saka inishuwarenzi yedzimba dzeNyika uye dzimba dzeNyika uye dzimba dzegore rega rega dzinowedzera uye dzakakurumbira. Isu tinofanirwa kubhadhara mutero kumakambani einishuwarenzi, izvo, "achasangana nezvinodiwa nevashandi", vari kugadzira zvakanakira, zvinobatsira uye zvinokatyamadza zvirongwa zveurishuwarenzi zvehushuwarenzi.

Magazini yedu yakatozvipira kumusoro wenyaya yeinishuwarenzi. Chinyorwa chekutanga "kure, kunetseka!" Izvo zvakange zvasangana: Iyo ine dudziro yemazwi makuru ane chekuita neinishuwarenzi yezvivakwa, kuti ajaine neAzami yake. Iyo yechipiri zvinhu "varimi vane mutoro" vakazvipira kuinishuwarenzi yemutero wehurumende panguva yekushanda uye kugadzirisa dzimba. Mushure meizvozvo, muchinyorwa chinoti "Imba yangu yandaida," takataura nezvenyaya yeinishuwarenzi yeparamende - zvinhu zvavo zvekugadzira, kupedzisa nemidziyo, pamwe nezvivakwa zvemuviri. Chinhu chatinotarisisa chaive inishuwarenzi yemota (chinyorwa chinoti "insoction ... moreji").

Ini handidi kudzokorora, saka hatizoisa basa rekumbundira zvakakura uye kudzokorora zvese zvakataurwa nguva pfupi yadarika. Ticha tarisa chete pachinhu chitsva chakaonekwa mumusika weinishuwarenzi nguva pfupi yadarika, uye zvimwe zvichavhenekerwa nezvinombovhapo nezvakange zvisina nzvimbo yakakwana mumabhuku ekare.

Chii chinonzi Inishuwarenzi?

Rosno zvinhu zveinishuwarenzi zvinogona kuve marara, dzimba, dzimba, dzimba dzakatarwa pane imwe nyika. Zvivakwa zvehupfumi, zvinosanganisira arbor, pergas, uye mune zvimwe zviitiko zvinyorwa zvechinyorwa. Kana zvivakwa zvakati wandei zvichishandiswa kamwechete uye (kana) chivakwa chiri mukati, chive nechokwadi chekubatanidza chinhu chichava chikamu chakakosha cheinishuwarenzi chibvumirano. Pamusoro pemutengo wezvivakwa, pane kodzero yehupenyu vaviri zvakapesana nenzira yavo yekusvitsa kune inishuwarenzi.

Zvekuti Cottage Mutengo kusvika pamadhora zviuru gumi, uye dzimwe nguva kusvika kumadhora zviuru gumi nezvishanu

Iyo Inishuwarenzi Inishuwarenzi Kambani yakanakira "mabhokisi", kana kuratidza mitemo inotengeswa kwete mumakambani einishuwarenzi chete, asiwo mumabhangi, nzvimbo dzakakura dzekutenga kana zvitoro zvepamhepo uye zvitekora. Kutenga kweinishuwarenzi yakadaro kunotora maminetsi mashoma, uye iwe unogona kusarudza kubva kune maviri kana matatu manhamba einishuwarenzi mari uye iyo inishuwarenzi inoenderana (mipiro). Inishuwarenzi mune idzi zviitiko inoitwa pasina kuongororwa kwezvinhu uye kuongororwa kwayo, seti yenistanis neinishuwarenzi ndeye mashoma. Izvi zvakanyanyisa kufanana pakati pavo zvirongwa (kana sevanoita nyanzvi, zvigadzirwa) zvemakambani akasiyana-siyana: "Horgosstrakh imba" hupfumi "(" Teremok "(" NASTA ")," NASTA "(" Dachnik "(" Russian Inishuwarenzi " ) etc.

"Kubvumirana" kwekudhura kwemazuva ano zvinoitwa nevashandi vane mauto ane kujaira kuremekedza uye kutariswa kubva kune vanopa mashandiro emasevhisi akasiyana siyana, mumwe munhu anogamuchirika inishuwarenzi yeiyo iyo inofanirwa kubhadhara chaizvo. Panzvimbo, mumiriri wekambani yeinishuwarenzi anoongorora zvakanyatsoongorora estate yeiyo, mushure maizvozvo kana kuti appraister yakazvimirira inokoshesa. Iyo mutengi Insturer ine mukana wekusarudza iyo njodzi package kubva kwaanoda kuchengetedza pfuma yake. Zvirongwa zvekirasi zveishuwarenzi zvemadzimba dzeNyika uye dzimba dzinopa dzinenge dzese makuru, epakati nemakambani madiki. Heano mimwe mienzaniso: "Alpha Nyika" ("Alfalrakhothavanie"), "Citadel" ("Rosgo"), "rosgosstrakh imba" Prestige "(" rosgosstrakh "(" rosgosstrakh "(" rosgosstrakh "(" rosgosstrakh "(" rosgosstrakh "(" rosgosstrakh "(" rosgosstrakh "(" rosgosstrakh "(" rosgosstrakh "(" rosgosstrakh "(" rosgosstrakh " Mapurogiramu asina mazita akanaka, asi nekuti asishanduri zvakanaka, kubva kumakambani ingosstrakh, "kubvuma" uye nevamwe vazhinji. Vazhinji vanenge vashinga vanopa sarudzo dzakapindirana dzinobatanidza kureruka kwechimiro (taura, pasina kuongororwa kumba, asi nemharidzo yemifananidzo yayo) uye saizi inogamuchirika yeinishuwarenzi premium.

Ndezvipi njodzi?

Iyo purogiramu yeinishuwarenzi yezvivakwa zvinosvibisa uye isingazungunuke inogona kutengwa kwete muhofisi yeinishuwarenzi yeinishuwarenzi, muzvitoro zve online zveInstires dzimba dzisingadhuri, dzimba, dzimba nezvimwe zvivakwa. . Izvi zvinowanzoitika moto, kuputika (kusanganisira gasi), kurova kwemheni, zviito zvisiri pamutemo zvemapato wechitatu, njodzi dzinongoitika dzoga uye kukuvara kwemuchina. Iko kugona kwekutanga kwezviitiko izvi zvidiki, saka idiki uye mutengo wegwaro. Kana tiri kutaura nezve zvinodhura zvinokwereta uye dzimba dzeNyika, muridzi wemugwagwa ane mukana wekusarudza njodzi dzinonyanya kukosha kwaari kana insure pfuma yake pane yakazara njodzi. Ipapo Bay (mvura), kuwira ndege, iyo yekutyaira yemotokari, inowira miti, uye inodonha yegirazi girazi, magirazi uye zviratidzo zvechikomo Kuti uwane nguva yekugadziriswa kwenhandare yenyonganiso (yakakuvadzwa nekuda kwekungarwa kweinishuwarenzi chiitiko), kutyora maitiro ebasa rekuvaka, ugandanga uye huwandu hwe "huwandu hwe" exotic "njodzi".

Makambani einishuwarenzi akakomberedza kanzura njodzi: Imwe njodzi miniti imwe neimwe inoonekwa seyakaparadzana njodzi, vamwe vanovadzidzisa zvidimbu. Mune nheyo, izvi hazvina kukosha. Izvo zvakakosha kuti udzidze nekuchenjera chibvumirano cheinishuwarenzi (mutemo) uye Annex kwairi usati wasaina magwaro uye kubhadhara mari.

Moto - Kukonzera kukuvara kwezvinhu kumhedzisiro yemoto, kusanganisira semhedzisiro yeArson, zvinokonzerwa nekudziya kwakanyanya, zvinokonzerwa nemoto wakaitika, mukati meiyo inspured chimiro kana kunze kwayo, pamwe nekukuvara kwakakonzerwa kune iyo inishuwarenzi yezvinhu mukuita zviitiko zvekudzima moto.

Mheni yekurova - Kukonzera kukuvara kwezvinhu mukukonzeresa kumheni kune iyo inishuwarenzi chivakwa, zvisinei nekuti moto wakaitika here kana kuti kwete. Kukuvadza kune zipper yemidziyo yemagetsi uye yemagetsi pasina kuitika kwemoto haina inshandende.

Kuputika Gaza - Kukonzera kukuvara kwezvinhu kune zvakaringana zvekuputika uye nemhepo kuvhiringidza zvigadzirwa zvezvigadzirwa, pamwe nemhedzisiro yemoto zvinokonzerwa negasi kuputika kwezvinhu (tsanangudzo idzi dziri muzvinyorwa zvakapihwa naRosno) .

Zviito zvisiri pamutemo zvemapato wechitatu - Iri kuba, kupamba, kupamba, Hooliganism, kuparadza nechinangwa kana kukuvadza kune inishuwarenzi yezvinhu. Kududzira kwakadaro kunopihwa mumirairo yeinishuwarenzi yezvinhu zvevagari vekambani yeRussia yeRussia.

Pano zvakakodzera kuisa tsananguro kubva kugwaro iri: "Pasi Kuba Zvinonzwisisika seyakavanzika yekubatwa kwechinhu cheiyo inishuwarenzi, pamwe nenzvimbo yefuma yakabatana nekupinda kwenzvimbo inishuwarenzi nekutyora kutendeka kwemasangano, masuo, madziro, madziro, anowira pasi. Pasi Kuba Zvinonzwisisika sekusanzwisiswa kwakavhurika kweiyo inishuwarenzi yezvinhu zvakaitwa nekupinda zvisiri pamutemo munzvimbo inzvimbo yeinishuwarenzi, nemhirizhonga, isina njodzi kuhupenyu nehutano, kana nekutyisidzira kwechisimba zvakadaro. Pasi Kudziya Zvinonzwisisika sekurwiswa kwekunyorwa kweiyo inishuwarenzi yeiyo Inishuwarenzi yakaitwa nekushandiswa kwemhirizhonga nehutano uye nehutano, kana nekutyisidzira kwechisimba kwakadaro kwakabatana neyenishuwarenzi nzvimbo. Pasi Hooliganism Zvinonzwisisika sekutyorwa kwakanyanya kweruzhinji, kuperekedzwa nekuparadza kana kukuvadza kune inishuwarenzi uye yakabatana nekupinda munzvimbo yeinishuwarenzi nekuputsa kutendeka kwemakiyi, magonhi, madziro, madziro, anopfuura madziro. Pasi Kuparadza kwechinangwa kana kukuvara kune pfuma Zvinonzwisiswa sekuparadza kwechinangwa kana kukuvara kune inishuwarenzi chivakwa chakaitwa neArson kana kuputika. "

CISC "Njodzi Dzinongoitika Dzega" Kazhinji zvinosanganisira mafashama, chamupupuri, dutu, kudyidzana kwechando, chimvuramabwe chevanopfuura mana pachiyero chichitsvuka, rigeri, nyika, stonepad, kuputika kwemhepo. (Pasi pe "chando kumanikidzwa" zvinoreva kurasikirwa kwehuwandu hwakakosha hwekusimba kwakasimba (chando, dutu remhepo) mune huwandu husina kujairika kune ino nzvimbo, asi isingasviki 20mm kwenguva isingasviki 12h, mhedzisiro ye kuparadzwa kwezvinhu zvekugadzira kwedenga uye kukuvadza kwakazotevera kune iyo nzvimbo muchivako.) Mune mamwe makambani (semuenzaniso, "ngano")) Njodzi dzechisimba dziine mhandara yekuchinja, pamwe nekudonha kwemiti uye ndege, kutyaira mota.

Bay Semutemo, fonerai causi hwekukuvara kwezvinhu semhedzisiro yekukanganiswa kwemanyoro (mvura kana sosi yemvura inopihwa, sewer, nekupenya kwemvura kubva kumakamuri emakamuri emuvakidzani . Mamwe makambani anosanganisira muboka iri renjodzi yemafashama, gohwo remvura subsoil, pamwe nekukuvara kune pfuma nekuda kwekudzima moto.

Kune imwe neimwe imba kana kupa zvakakodzera kugoverwa uye kwavo, njodzi chaiyo. Ngatitii zvivakwa zviri pedyo nemvura, zvakakodzera kuzvisimbisa njodzi dzinongoitika dzoga, kusanganisira mafashama, imba mudondo - kubva kumiti inodonha. Asi hazvizivikanwe kana zvarangarira kushandisa mari yekuwedzera uye sarudza njodzi ye "zvisingaite zviito zvemapato wechitatu", kana imba iri mumusha wekuchengetedza nevhidhiyo yekuongorora vhidhiyo. Avota haana kusarudzika mubatanidzwa webindu, uyo waunoshanyira chete muzhizha, uye kunyange zvakadaro kwete kupera kwevhiki kwese, insure kubva kuba uye Hooliganism ingangove yakakosha.

Ichi chiitiko chinishuwarenzi chakaitika mumafuro, mumusha mudiki. Iyo saiti iyo iyo imba yekumira iri pamabhangi erwizi. Makungu emafashama emvura muna Kubvumbi 2005 Pano zvakanyorwa kusimuka kwemvura murwizi kusvika padanho re1.8m kubva kumuridzi, semhedzisiro, zvikamu zvakati wandei zvakazara nezvivakwa zvese. Imba inoratidzwa mumufananidzo uyu yaishanyirwa paKambani "kubvuma".

Iyo huwandu hweinishuwarenzi yekubhadhara kweiyi kiyi yeinishuwarenzi yakapfuura mazana matanhatu ezviuru. Pamutengo weinishuwarenzi mutemo wemadhora mazana matanhatu nemakumi matanhatu nemashanu (anenge ma1900 zviuru zana).

Zvakadii?

Saizi yeinishuwarenzi premium (mupiro) pasi peinishuwarenzi chibvumirano chinotsunga zvakanyanya. Kambani yeinishuwarenzi yega inoshandisa maitiro avo ekuverenga. Asi chinonyanya kukosha ndechekuti inosarudza mutengo weinishuwarenzi - ichi tari (inowedzera mari iyi yemutengo weinishuwarenzi, tinowana huwandu hweinishuwarenzi yegore rimwe). "Zvichienderana nengozi yakaiswa, iyo Basic Famen Insurance inogona kunge iri 0.2-0.7% yehuwandu pakati peinishuwarenzi uye mubatanidzwa, musoro weDhipatimendi reMubatanidzwa, Mutungamiriri yekambani "rosgosstrakh". - Kuderera kana kuwedzera mutero kunogona kutsamira pane zvivakwa zvine njodzi Kuwedzera kwetari yetari. Uye, pane zvinopesana, kuvapo kwekutenderera-iyo-iyo-yeClock basa (chengetedza) kana kuswedera, kuswededzwa kwezvinhu zvinodzora mutero. "

Pfungwa dzevanoshanda navo dzinoenderera chivakwa, uye nezvivakwa zvidiki zvehuni zvakadai zvezvivakwa zvidiki zvehuni. Kufanana nekugeza, - kare 2%. "

"Basic Palual Tarilifs inoenderana zvakanyanya nekukosha kwechigaro chivakwa," mutevedzeri wedare rekuongorora kweRosno. - Saka, kuvaka nhungamiro yeanosvikira pamadhora zviuru makumi mashanu mune yedu kambani yekambani kubva 0.4 kusvika 1, 1%, uye pamusoro peiyi huwandu - kubva pa3,3 kusvika 0.65%. Mitero yacho zvakare inotsamira pane zvinyorwa zvemadziro uye yakasarudzwa inishuwarenzi yekuvhara sarudzo. "

"Mumukuru wedu, mutero weinishuwarenzi weinishuwarenzi uye dzimba dzinogona kuva 0.3-1.6%," musoro weiyo Alfasthatakhorakhavanie Nzvimbo yeInsurance timu. - Kana imba yaunoda kusimbisa iri mune yakachengetedzwa Kugadziriswa, kambani inogona kupa mutengo we0,05%, uye kana paine moto kana kumwe kusaina, kuderedzwa kuchave kuri 0.15%. "

Izvi zvidhinha uye zvinowonekwa, kana zvinonzi zvinowedzera uye zvakaderera coefficients, vanokwanisa kukanganisa zvakanyanya hukuru hwetaridhi, kunyanya kana mutengo wezvivakwa zvakakura. Saka, akaziva 0.05% yeiyo mari inishuwarenzi mune 1 mlrup. Gadzira mazana mashanu emazana, uye 0,15% - 1500 rubles, uye magadzirirwo ese akapfupikiswa. Makambani mazhinji anopa vatengi newaderedzwa kwegore rega rega pasina kurasa kweinishuwarenzi kana paine chibvumirano chiripo neiyi kambani yedzimwe mhando yeinishuwarenzi uye kana uchitama kubva kune imwe kambani yeinishuwarenzi. Yese discounts ese anogona kusvika 30%.

Nekurapwa kwekugadzirisa zvinhu, mutero anogona kusadzikira, asi zvakare kuwedzera (pamusoro peizvi, chokwadi, ivo vanopinda havafarire kutaura). Kuwedzera kukuru mumutengo wegwaro kunotungamira zvinhu zvinotevera: Kuvapo kwekutaurirana kwegesi uye zvinovhara moto, zvinogara zvichibva mumutengi munguva yeinishuwarenzi yapfuura, kurenda kana kuhaya, zera of the dhizaini: Kana imba yacho yakavakira makore anopfuura makumi maviri apfuura, kuwedzera kwekutanga mutero kunoshandiswa. Kazhinji, izwi rekuti mutemo (kana chibvumirano) cheinishuwarenzi gore rimwe chete. Neinishuwarenzi yepfupi, mutero anowedzera.

Ehezve, moto injodzi inonyanya kutyisa, nekuti kazhinji inoenderana nekufa kwakazara kwezvinhu zvinofambiswa uye zvisinga zivikanwe. Moto hausi kusunungura dzimba diki kana ipo muhombe. Iyo yekubatanidza "rosgosstrakh" Takaudzwa pakarepo anenge akati wandei kanitsi kesi mune May-June 2005, iyo iyo kambani yakabhadhara inishuwarenzi yakakomba inishuwarenzi. Muzhinji wavo, chikonzero chemoto yaive dunhu pfupi mumagetsi emagetsi. Kubhadhara kweinishuwarenzi kune vatengi kune iyo nzvimbo yakaparadzwa nekuda kwemoto kusvika zviuru zvishanu zvemazana. Muguta reAperVuvalsk (SVERDLLLOVSK Dunhu), vanopfuura mazana matanhatu emazana matatu rubles. Kune imba yenyika iri munzvimbo yeNovosibirsk, inzvimbo inonzi Cinskaya Zaimka (Yakanga Inishuwarenzi Pachirongwa "Clossic" Dunhu (moscow mudunhu).

Zvekuita?

Chekupedzisira, isu tichapa matipi mashoma kune avo vatove vatosimbisa imba yavo kana imba yekubatira uye vanogona kutarisana nechiitiko chechinhu chakatarisana.

Ive neshuwa kuti urambe uchiita kuti uwane kubhadhara kusimbisa kubhadhara kweinishuwarenzi (mupiro) kuti ugone kuwana inishuwarenzi.

Kana iyo inishuwarenzi chiitiko ichiri kuitika, pakarepo uzviti kune yako inishuwarenzi kambani. Mazita terrains kana maviri, zvakafanira kuti asvike ipapo nechirevo chakanyorwa nezvekubhadhara kweinishuwarenzi.

Pasina mhosva usingafambire zvinhu zvakakuvadzwa, usabvisa zvinhu zvakakuvadzwa zvezvinhu zvechinhu zvinokuvadza neimwe nzira, kana izvi zvisina kufanira kuderedza kukuvara kana kubvisa njodzi yehupenyu nehutano hwevanhu.

Ive neshuwa kuti ubate sangano rinobvumidzwa kuongorora zviitiko seyako inishuwarenzi. Tora rubatsiro rwakakodzera. Corgans of of of of of of of of of of of of of of of of of of of of of of of of of of of of of of of of of of the hydrometelogical service uye mushumo wemamiriro ekukurumidzira muchiitiko chenyika, panguva ye Moto, Arson, kune iyo yakakodzera miviri yehurumende, kana mamwe masevhisi, service - netsaona mumvura kuwanikwa kwemvura, kupisa, masisitimu emapurisa, mune yemotokari.

Vagadziriso yekutenda rosgosstrakh, allasho "," kubvumidzwa "," Nassa "," Kambani yeRusinamate yeRusinamo ", zenit yekubatsirwa mukugadzirira zvinhu.