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Umshuwalense Wezindlu Zezwe Nezindlu: Ukuhlukaniswa Kwengozi, Ubukhulu Bokukhokhelwa Umshuwalense. Amathiphu alabo asebevele bemshukumisile ekhaya noma i-cottage yabo.

Bambalwa abajabule, abanezindlu zezwe elibanzi. Ukuhlasela, abanikazi abaningi abanezeziko ezithokomele. Unganwebisa kanjani injabulo, unganikezi izinto noma umuntu omubi ukucekela phansi iminyaka eyenziwe? Impendulo isobala: ukuqinisekisa indlu oyithandayo, kodwa eyingozi enjalo engozini.

Eminyakeni embalwa edlule, bambalwa abantu ababenokulungiselela ngokuziphatha nangokwezezimali ukukhokhela ukuthula kwabo kwengqondo nokuphepha kwempahla. Kepha kancane kancane abantu bayaqiniseka ngesidingo somshuwalense wempahla. Inhlala-kahle yezakhamizi zezwe lethu iyakhula (yize ingakabi ngokushesha okukhulu njengoba ngithanda), indlela ephucuko ekuphileni inqoba bonke abasekeli abasha. Uma umshuwalense wamafulethi awukakhuli futhi, khona-ke umshuwalense wezindlu zezwe namakamelo unyaka nonyaka uthola ngokwengeziwe. Kufanele sikhokhe izinkampani zomshuwalense, okuthi, "ezohlangabezana nezifiso zabasebenzi", zisungule izinhlelo zomshuwalense wezezakhiwo ezingezinhle, ezinenzuzo nezingabizi.

Umagazini wethu usuvele unxuse isihloko somshuwalense. Isihloko sokuqala esithi "kude, ukukhathazeka!" Empeleni kwakungesingeniso: Kuqukethe ukuhunyushwa kwamagama amakhulu aphathelene nomshuwalense wempahla, ukujwayelana ne-Azami yakhe. Into yesibili "Abaqashi abanomthwalo wemfanelo" babezinikele kumshuwalense wesikweletu sombango ngesikhathi sokusebenza nokulungiswa kwamafulethi. Emva kwalokho, esihlokweni esithi "Ifulethi lami engilithandayo," saxoxa ngezinto zomshuwalense wezindlu - izinto zazo zokuklama, ukuqeda kanye nemishini, kanye nempahla yasekhaya. Into yokunaka kwethu kwakuwumshwalense wempahla ebambisayo (i-athikili ethi "Insured ... Revenue")).

Angifuni ukuphinda, ngakho-ke ngeke sibeke umsebenzi wokuthola imali enkulu futhi ukuphindaphindwa konke okushiwo muva nje. Sizogxila kuphela entweni entsha evele emakethe yomshuwalense muva nje, futhi ngaphezulu kuzokhanyiswa yizikhathi lapho kwakungekho ndawo eyanele ezincwadini ezedlule.

Yini Evikelwe Umshuwalense?

Izinto zeROSNO zomshuwalense zingaba yizikadewa, izindlu, amakamelo kanye nezakhiwo ezisendaweni eyodwa: amagalaji, izindawo zokugeza, ezinye izakhiwo zezomnotho nezokuhlobisa, kanye nezinye izimo, kanye nakwezinye izimo ze-landscape design. Uma izakhiwo eziningana zivikelekile ngasikhathi sinye futhi (noma) impahla ngaphakathi, qiniseka ukuhlanganisa inventory ezoba yingxenye yenkontileka yomshuwalense. Ngaphezu kwezindleko zezezakhiwo ezithengiswayo, kunelungelo lokuphila ezimbili okuphambene nendlela yabo ye-Essences to Insurance.

Okwezindleko ze-cottage zifinyelela ku- $ 10,000, futhi kwesinye isikhathi zifinyelela ku- $ 15000 iningi

Inkampani yomshuwalense waseRussia ilula ukwedlula lokho okubizwa ngokuthi "amabhokisi", noma izinqubomgomo ezithengiswayo azithengiswa kuphela emahhovisi ezinkampani zomshuwalense, kodwa futhi nasezitolo ezinkulu noma ezitolo ezinkulu futhi azibizi. Ukuthengwa komshuwalense onjalo kuthatha imizuzu embalwa kuphela, futhi ungakhetha kusuka kumanani womshuwalense amabili noma amathathu ahleliwe kanye namaprimiyamu omshuwalense ahambisanayo (Iminikelo). Umshuwalense kula macala wenziwa ngaphandle kokuhlolwa kwempahla kanye nokuhlola kwawo, iqoqo lezingozi zomshuwalense lincane. Lokhu kufana kakhulu phakathi kwazo izinhlelo (noma njengabachwepheshe, imikhiqizo) yezinkampani ezahlukahlukene: "I-RosgossTrakh Heak" Umnotho "(" TremossHe "(" Nasta "(" Inkampani yomshuwalense waseRussia ")," ) njll.

"Imvume" yamakamelo wanamuhla abizayo awo ababutho abajwayele ukuhlonipha nokunakwa ngabathengisi bezinsizakalo ezahlukahlukene, indlela eyamukelekayo eyenzelwe ngokwamukelwa kumshuwalense we-classical okufanele akhokhe kakhulu. Endaweni, ummeleli wenkampani yomshuwalense uhlola ngokucophelela indawo ethengiswayo, ngemuva kwalokho noma i-appraiser ezimele iyakwazisa. Umshuwalense wamakhasimende unethuba lokukhetha iphakethe enobungozi lapho ahlose khona ukuqinisekisa impahla yakhe. Izinhlelo zomshuwalense we-Classical ezindlini zezwe namakamelo anikela cishe zonke izinkampani ezinkulu, eziphakathi nendawo. Nazi ezinye izibonelo: "Izwe le-Alfa" ("ALFASTHHOVANIE"), "i-Citadel" ("Rosno"), "RosgossTrakh House" Prestige "(" RosgossTrakhh ")," Indlu yezwe "(" Reso-Warranty "), futhi Njengezinhlelo ezingenawo amagama amahle, kepha ngoba ukungaguquki umongo wazo, ezivela ezinkampanini i-InossTrakh, "Vumela" kanye nabanye abaningi. Abamshuwalense abaningi banikela ngezinketho eziphakathi ezihlanganisa ukusabalalisa okulula (zisho, ngaphandle kokuhlolwa ekhaya, kepha ngokwethulwa kwezithombe zalo) kanye nosayizi owamukelekayo weprimiyamu yomshuwalense.

Yiziphi izingozi?

Inqubomgomo yomshuwalense wempahla eshukumisayo nengasuki ingathengwa hhayi kuphela ehhovisi lenkampani yomshuwalense, kodwa futhi, ngokwesibonelo, ezitolo eziku-inthanethi zomshuwalense wamakhaya angabizi kakhulu, amakhethini, izindlu ezilinganiselwe . Lokhu kuvame ukuba ngumlilo, ukuqhuma (kufaka phakathi igesi), isiteleka sombani, izenzo ezingekho emthethweni zabantu besithathu, izinhlekelele zemvelo kanye nomonakalo wemishini. Amathuba okuqala kwale micimbi mancane impela, ngakho-ke kuncane futhi intengo yenqubomgomo. Uma sikhuluma ngamakamelo abizayo kanye nezindlu zezwe, umnikazi wenqubomgomo unethuba lokukhetha ubungozi obubaluleke kakhulu kuye noma ukufakazela impahla yakhe kwiphakethe lengozi ephelele. Ngemuva kwalokho i-bay (uketshezi), ukuwa kwezindiza, ukushayela izimoto, izihlahla eziwayo, futhi (kwezinye izinkampani), kungangezwa ezingozini ezivele zifakwe ohlwini, izindleko zewindi, izindleko zokuqashwa kwentaba Isikhathi sokulungiswa kwezakhiwo ezinomshuwalense (zonakaliswe ngenxa yokucasulwa komshuwalense womshuwalense), ukwephulwa kwenqubo yezobuchwepheshe yomsebenzi wokwakha, ubuphekula kanye nezinye izingozi "ezihlukile.

Izinkampani Zomshuwalense zihlukanisa izingozi ngokujwayelekile: Ingozi eyodwa yemizuzu ibonwa njengengozi ehlukile, abanye babahlukanisa izingcezu eziningana. Ngokuyinhloko, lokhu akubalulekile kangako. Kubalulekile ukutadisha ngokucophelela inkontileka yomshuwalense (inqubomgomo) nesijobelelo kuyo ngaphambi kokusayina amadokhumenti bese ukhokha imali.

Shisa - Kudala ukulimala okubonakalayo komphumela oqondile womlilo, kubandakanya umphumela wokushisa, imiphumela yokushisa okuphezulu, intuthu, imikhiqizo yokuhlangana, kungakhathalekile ukuthi umlilo wenzeka kuphi, ngaphakathi kwawo, kanye nomonakalo odalwe empahleni enomshuwalense ekwenzeni imisebenzi yokucisha umlilo.

Isiteleka sombani - Ubangela ukulimala okungokwenyama umthelela osheshayo wombani uye empahleni yomshuwalense, noma ngabe umlilo wenzeka noma cha. Ukulimala kwe-zipper yamadivayisi kagesi nakagesi ngaphandle kokuvela komlilo akuwona umshuwalense.

Ukuqhuma kweGaza - Ubangela ukulimala okuthe xaxa komphumela osheshayo wokuqhuma kanye nemikhiqizo yokwehla komoya, kanye nemiphumela yomlilo uma kwenzeka kubangelwa yi-reas okubangelwa yizinjongo zasekhaya ezisetshenziselwa izinjongo zasekhaya (lezi zincazelo ziqukethwe ezintweni ezihlinzekwa nguRosno) .

Izenzo ezingekho emthethweni zabantu besithathu - Ukweba, ukuphanga, ukuphanga, i-hooliganism, ukubhujiswa ngenhloso noma ukulimala kwendawo yomshuwalense. Ukuhunyushwa okunjalo kunikezwa emithethweni yomshuwalense wesakhamuzi sezakhamizi zenkampani yomshuwalense waseRussia.

Lapha kufanelekile ukubeka isicabucabu kusuka kulo mbhalo: "Ngaphansi Ukuntshontsha Kuyaqondakala njengokugxila kwemfihlo yempahla yomshuwalense, kanye nokutholakala kwempahla ehambisana nokungena kwendawo yomshuwalense ngokwephula ubuqotho bezinqaba, iminyango, amawindi, izindonga, ngaphezulu. Ngaphansi kwa- Ukuphanga Kuyaqondakala njengokudalulwa okuvulekile kwempahla yomshuwalense ekwenzeni ukungena ngokungemthetho endaweni yomshuwalense, ngobudlova, hhayi ingozi empilweni nasempilweni, noma ngokusongela kobudlova obunjalo. Ngaphansi kwa- -Fudumele Kuyaqondakala njengokuhlaselwa kwempahla yomshuwalense ekwenzeni ukusetshenziswa kodlame okusongela impilo nempilo, noma ngokusongelwa kodlame olunjalo oluhlotshaniswa nesiza somshuwalense. Ngaphansi kwa- i-hooliganism Kuyaqondakala njengokuphulwa okuphelele komphakathi, kuhambisana nokubhubhisa noma ukulimala kwempahla enomshuwalense futhi kuhlotshaniswa nokungena endaweni yomshuwalense ngokwephula ubuqotho bokhiye, iminyango, amawindi, izindonga, ngaphezulu. Ngaphansi kwa- Ukubhujiswa ngenhloso noma ukulimala kwempahla Kuyaqondakala njengokubhujiswa ngenhloso noma ukulimala kwempahla enomshuwalense ekwenzile i-arson noma ukuqhuma. "

Ikalinika "Izinhlekelele Zemvelo" Imvamisa kufaka phakathi izikhukhula, i-whirlwind, iSiphepho, isivunguvungu, ingcindezi yeqhwa, isichotho, ukuzamazama komhlaba kwamaphuzu aphezulu ane-richter, ngesikhuphelo, i-avalanche, ukuqhuma komhlaba. (Ngaphansi kwe- "Snow Tress" kusho ukulahleka kwenani elikhulu lemvula (iqhwa, iqhwa lesiphepho) ngenani elingajwayelekile kule ndawo, kepha kungabi ngaphansi kwe-20mm isikhathi esingaphezu kwe-12h, umphumela we Ukubhujiswa kwezinto ezihlelekile zophahla nomonakalo olandelayo wesakhiwo esakhiweni.) Kwezinye izinkampani (ngokwesibonelo, "imvume") ubungozi obuhambisana nezingqinamba zemvelo, kanye nokuwa kwezihlahla kanye izindiza, ukushayela imoto.

Itheku Njengomthetho, shayela ukuqina kokulimala kwezinto ezibonakalayo ngenxa yomthelela womswakama (amanzi noma umphunga wayo) ngenxa yengozi yokuhlinzekwa kwamanzi, ukuthutha, ukufudumeza noma ukungena kwamanzi okuvela emakamelweni angomakhelwane . Ezinye izinkampani zifaka kuleli qembu lezikhukhula zezingozi, isivuno samanzi angaphansi komhlaba, kanye nomonakalo wepropathi ngenxa yokucima umlilo.

Ngendlu ngayinye noma ukupha kusebenza zombili ezabiwe kanye nezazo zobungozi. Ake sisho izakhiwo eziseduze namanzi, kufanelekile ukuqinisekisa izinhlekelele zemvelo, kufaka phakathi izikhukhula, indlu ehlathini - kusukela ekuweni kwezihlahla. Kepha akukaziwa ukuthi kunengqondo yini ukuchitha imali eyengeziwe futhi ukhethe ubungozi 'bezenzo ezingekho emthethweni zabantu besithathu', uma indlu isendaweni evikelwe nge-video ukubhekwa. I-Avota ayivinjelwe ebunzini bengadi, ovakashela ehlobo kuphela, futhi ngaleso sikhathi akunjalo njalo ngempelasonto, ekushisekiswe ukweba kanye ne-hooliganism cishe kuyadingeka.

Lo mcimbi ovikelwe umshuwalense wenzeka emadolobheni amancane, edolobhaneni elincane. Indawo lapho indlu imi khona isemabhange omfula. PRIMEONS OF SPRINT CALOS NGO-Ephreli 2005 Lapha kwaqoshwa ukunyuka kwamanzi emfuleni kuya ezingeni le-1.8m kusuka kumyalo, ngenxa yalokho, izigaba eziningana zagcwala izakhiwo zonke. Indlu ekhonjiswe emfanekisweni yayivikelwe inhlekelele enkampanini "yemvume".

Inani lesinxephezelo somshuwalense kuleli cala lomshuwalense lidlula ama-ruble ayizinkulungwane ezingama-600. Ngezindleko zenqubomgomo yomshuwalense ka- $ 690 (cishe ama-ruble ayizinkulungwane eziyi-19,5).

Malini?

Ubukhulu be-Insurance Premium (umnikelo) ngaphansi kwenkontileka yomshuwalense kunqunywa kunzima impela. Inkampani yakho yomshuwalense isebenzisa amasu abo okubala. Kepha into ebaluleke kakhulu ukuthi inquma izindleko zomshuwalense - le yimali ekhokhwayo (ukuphindaphinda leli ntengo ukuthola izindleko zempahla yomshuwalense, sithola inani le-premium yomshuwalense yonyaka owodwa). "Ngokuya ngesethingo yengozi, imali eyisisekelo yomshuwalense wokwakha ingaba ngu-0.22-0.7% wesamba Umshuwalense, osungulwe ngokuxhumana phakathi komshuwalense nomshuwalense, kusho uMnyango Wezokuhlola Masisindo, i-Phrice. yenkampani "RosgossTrakh". - Yehlisa noma ukukhulisa imali ekhokhwayo kungahle kuncike ezintweni ezihlukile ezithinta ushintsho ngezinga lobungozi obuhle. Isibonelo sokuvezwa komshuwalense wezemvelo eziyingozi kuholela ukwanda kwezinga lentela. Futhi, kunalokho, ukuba khona komsebenzi we-Round-the-Clock (Guard) noma ukuqapha, ukusondela, ukusondeza esiteshini somlilo nezinye izinto ezifanayo zehlisa imali ekhokhwayo. "

Umcabango wozakwethu uyaqhubeka no-Alexander Kabanov, umqondisi jikelele womshuwalense we-zenit: "Ngaphezu kwalokho, indawo yentela ithinta indawo ethengiswayo kanye negoli lapho kusetshenziswa khona ngo-0.15% Ukwakha, kanye nezakhiwo ezincane ezinkukhu ezinjalo zezakhiwo ezincane zokhuni ezinjalo. Njengokugeza, - sekuvele u-2%. "

"Amanani ayisisekelo minyaka yonke ancike kakhulu ekuguguleni kwezakhiwo," ungezela iSekela Lomqondisi woMnyango Wokuhlola Ubungozi nokuxazulula ukulahleka kwe-rosno. 1, 1%, naphezu kwaleli nani - kusuka ku-0,3 kuye ku-0.65%. Amanani nawo ancike kokuqukethwe kwezindonga kanye nenketho ekhethiwe yomshuwalense. "

"Emhlanganweni wethu, inani lamanani entela lomshuwalense wamakati nezindlu lingaba ngu-0.3-1.6%," kusho uNikolai Krivosheev, inhloko yempahla ye-Alfastrakhovanie yethimba lomshuwalense wezakhiwo .- Uma indlu ofuna ukuyishukumisela yona isezingeni elivikelekile Ukuhlala, inkampani inganikeza isaphulelo sika-0,05%, futhi uma kukhona umlilo noma okunye ukusayina, isaphulelo sizoba ngu-0.15%. "

Lezi zephulelo kanye nezephulelo, noma ezibizwa ngokuthi ukukhuphuka kanye nama-coefficients aphansi, ziyakwazi ukuthi zithinte kakhulu ubukhulu benkokhelo yomshuwalense, ikakhulukazi uma izindleko zendawo yangempela zikhulu. Ngakho-ke, abadumile 0.05% yesamba esivikelwe kumshuwalense ku-1 mlrup. Yenza ama-ruble angama-500, no-0.15% - ama-ruble angu-1500, futhi zonke izichibiyelo zifingqiwe. Izinkampani eziningi zinikeza amakhasimende izaphulelo ngonyaka ngamunye ngaphandle komshuwalense olahlekelwe ngaphandle uma kukhona inkontileka ekhona nale nkampani yezinye izinhlobo zomshuwalense nalapho isuka kwenye inkampani yomshuwalense. Isamba sonke izaphulelo singafinyelela kuma-30%.

Ngokwelashwa kwezici zokulungiswa, intela kungenzeka ukuthi yehla kuphela, kodwa futhi yanda (ngalokhu, empeleni, abanamshuwalense abathandi ukukhuluma). Ukwanda okukhulu kwezindleko zenqubomgomo kuholela ezintweni ezilandelayo: ukuba khona kwezokuxhumana kwegesi nemithombo yocingo, kufaka phakathi izicishamlilo, indawo yokuhlala, ukulahleka okuvela kwiklayenti lomshuwalense owedlule, ukuqasha noma ukuqasha, iminyaka Kwesakhiwo: Uma indlu yakhiwe eminyakeni engaphezu kwengu-25 edlule, kwakhiwa imali eyisisekelo. Imvamisa, isikhathi senqubomgomo (noma inkontileka) yomshuwalense ngunyaka owodwa. Ngomshuwalense wesikhathi esifushane, ukukhuphuka kwemali ekhokhwayo.

Vele, umlilo ubungozi obubi kakhulu, ngoba ezimweni eziningi kuholela ekufeni okugcwele kwempahla eshukumisayo nengasuki. Umlilo awukuvikeli izindlu ezincane noma izifunda ezinkulu. Okunamathiselwe "I-RosgossTrakH" satshelwa ngokushesha ngamacala omshuwalense ambalwa okwenzeka ngoMeyi-Juni 2005, lapho inkampani ikhatha khona isikweletu somshuwalense esibi. Kubo iningi labo, imbangela yomlilo yayingumjikelezo omfushane e-Wiring kagesi. Izinkokhelo zomshuwalense kumakhasimende wepropathi abhujiswe ngenxa yomlilo onama-ruble ayizinkulungwane ezingama-570. Edolobheni laseResurals (Sverdlovsk esifundeni), ama-ruble angaphezu kwezinkulungwane ezingama-600. Indlu yezwe etholakala endaweni engaphansi kweNovosibirsk, indawo ebizwa ngeCainkaya Zaimka (Yayinomshuwalense ngaphansi kohlelo "i-RosgossTrakh House" Classic "), ama-ruble angaphezu kwezinkulungwane ezingama-400 abese eduze komunye nomunye eDomodedovo isifunda (isifunda saseMoscow).

Okufanele ngikwenze?

Ekugcineni, sizonikeza izeluleko ezimbalwa kulabo abasevele benomshuwalense ekhaya labo noma ikotishi futhi bangabhekana nomcimbi obhekene nomshuwalense.

Qiniseka ukuthi ugcina amaresidi aqinisekisa ukukhokhwa kwe-premium yomshuwalense (umnikelo) ukuze ukwazi ukuthola isinxephezelo somshuwalense.

Uma umcimbi ovikelwe umshuwalense wenzekile, wawubika masinyane enkampanini yakho yomshuwalense. Usuku lwasemhlabeni noma amabili, kuyadingeka ukuthi ufike mathupha lapho nesitatimende esibhaliwe mayelana nokukhokhwa kwesinxephezelo somshuwalense.

Akunakusho ukuthi ungahambi impahla elonakalisiwe, ungasusi izinto ezonakalisiwe zempahla yomshuwalense futhi ungashintshi isithombe somonakalo ngenye indlela, uma lokhu kungadingekile ukunciphisa ukulimala noma ukuqeda ubungozi bempilo nempilo yabantu.

Qiniseka ukuthi uthintana nenhlangano egunyazwe ukuphenya izehlakalo ezifana nomshuwalense wakho. Thola usizo olufanele. AmaKorgani ezindaba zangaphakathi kudingeka afake isikhalazo endabeni yezenzo ezingekho emthethweni zabantu besithathu, ezithweni zenkonzo ye-hydrometeteterological kanye noMnyango Wezimo Eziphuthumayo uma kwenzeka inhlekelele yemvelo, emizimbeni yombuso wombuso wezemvelo, phakathi kwe Umlilo, u-Arson, ezinhlakeni zikaHulumeni ezifanele, noma ezinye izinsizakalo, insizakalo - ngengozi ekuhlinzekeni kwamanzi, ukufudumeza, ama-securage ama-reapa, emaphoyiseni omgwaqo, esimweni sezimoto.

Abahleli bayabonga iRosgossTrakhh, i-Alfastrakhovanie, "Rosno", "Vumela", "NASTA", "Inkampani yomshuwalense waseRussia", zenit ukuthola usizo lapho kulungiswa izinto ezibonakalayo.