Inshuwaransi ya Liability kwa Amphaka

Mphaka wanu akangosamalira zomwe zawonongeka, mumakhala ndi mlandu ku Germany. M’khoti lamilandu, chinthu chokhacho chofunika ndicho ngati chiweto chanu chatsimikiziridwa kukhala cholakwa. Ngakhale ngati simunapangitse chiweto chanu mwachindunji ndipo mtunduwo nthawi zambiri umakhala wopanda vuto, mwadzidzidzi, mudzasiyidwa wopanda inshuwaransi pamtengowo. Monga lamulo, ngakhale udindo wachinsinsi ndi wokwanira kukutetezani inu ndi mphaka wanu ku chiwopsezochi. Mapangano abwino a inshuwaransi angakhale oyenera kulemera kwawo mu golidi m'nyumba zobwereka komanso chitetezo chalamulo kwa mitundu yambiri.

Udindo wa Mwini Mphaka Pazowonongeka Zonse Zomwe Zachitika

Ngati mphaka wanu akuvulaza, inu monga eni ake mumakhala ndi udindo nthawi zonse. Izi zikugwira ntchito mosasamala kanthu kuti munalipo nokha ndipo muli ndi udindo wachindunji pa khalidwelo. Mwanjira imeneyi, chiweto chanu chimatha kuwonetsetsa kuti zofuna zosayembekezereka zimabwera nthawi iliyonse mukamayenda. Wopanga malamulo samangonena za udindo wa mwiniwake ngati katundu wawonongeka. Kuwonongeka kwa thanzi ndi thupi nthawi zambiri kumabweretsa ndalama zosasangalatsa zomwe mwini nyama amalandira. Kulipira kulikonse kwa zowawa ndi kuzunzika nthawi zina kumakhala m'gulu la manambala asanu.

Monga momwe chiwombankhanga chimayambitsa kuvulala koopsa ndipo munthu anakhala wosagwira ntchito kwa nthawi inayake, munthu wokhudzidwayo akhoza kupemphanso chipukuta misozi chifukwa cha ndalama zomwe zinatayika. Pakachitika ngozi zadzidzidzi, mungayembekezere zofuna zomwe zimaposa zomwe mungakwanitse pazachuma.

Inshuwaransi ya Liability Inshuwalansi Nthawi zambiri Imalipira Mphaka

Ndi inshuwaransi, kuwonongeka kwa chiweto chanu sikuyeneranso kukuchititsani kugona. Nthawi zambiri sizachilendo komanso sikofunikira kupanga mgwirizano umodzi wa bwenzi lanu lamiyendo inayi. Chifukwa nyama zing'onozing'ono komanso zopanda vuto zimakhala zosasiyana ndi inshuwalansi yaumwini. Komabe, muyenera kuyang'ana mwatsatanetsatane momwe zimakhalira pamitengo yofananira yamakampani a inshuwaransi kuti mukhale okonzekera bwino zomwe zingawononge.

Ngati mumakhala ndi mphaka wanu m'nyumba mwanu, pafupifupi inshuwaransi nthawi zambiri imakhala yokwanira. Zowopsa zonse zopezeka kwa eni ake nthawi zambiri zimakhala ndi udindo wamba. Malingana ngati kuwonongeka kwa lendi ndi ngongole zomwe zikugwirizana nazo sizikuphatikizidwa m'makoma anu anayi, inshuwaransi yabwino kwambiri yapakhomo ingalipire mabilu kuti akonzenso mwana wa mphaka atachita zolakwika.

Ngakhale kuti nthawi zambiri mumakhala ndi mlandu pa chiweto chanu, m'machitidwe ndizovuta kwambiri kuti munthu wovulalayo atsimikizire kulakwa kwa mphaka wakunyumba kwanu. Makhothi safuna konse kulamula mwiniwakeyo kuti alipire chiwongolero pongoganizira. Ichi ndichifukwa chake zilinso ndi chidwi ndi ma inshuwaransi omwe ali ndi ngongole kuti akupatseni chitetezo chokhazikika. Mumapewa kuthetsa mavuto podziwitsa anthu za milandu isanakwane. Zilibe kanthu kaya mukuganiza kuti mphaka wanu ndi wosalakwa. Chifukwa cha chitetezo chalamulo chomwe chikuphatikizidwa, inshuwaransi ikhoza kupita kukhoti chifukwa cha inu. Mosasamala kanthu za zotsatira za ndondomeko yotere, nthawi zambiri simulipira ndalama zilizonse zolipirira ngongole zabwino kwambiri.

Ngongole Yapadera Kwa Eni Mphaka Pakawonongeka Panyumba Yobwereka

Ngati mwabwereka nyumba yanu yokha, ndi bwino kuyang'anitsitsa zambiri za mgwirizano. Chifukwa potuluka m'nyumba nthawi zambiri pamakhala mkangano pakati pa eni nyumba ndi amphaka, momwe simungathe kudalira inshuwalansi yanu payekha. Mosiyana ndi zokopa pamipando yomwe mwabwera nayo, mwini nyumbayo, mwachitsanzo, safuna kuwona zizindikiro zokhazikika pamalo obwereketsa a parquet.

Kuphatikiza apo, pakapita zaka zingapo, ndizotheka kuti mphaka wanu awononge kwambiri malo aukhondo komanso makhitchini omangidwamo. Izi ndi zinthu zobwereka zomwe sizinaphatikizidwe mumtengo woyambira wa inshuwaransi zambiri. Ngati mwininyumba wanu wakale akukufunsani kuti muyike pansi patsopano kapena m'malo mwa bafa ndi zida zakukhitchini monga gawo la kusuntha chifukwa cha zokopa, nthawi zambiri mumasiyidwa ndi ndalama pazifukwa izi. Kuchuluka kwa ma invoice mumitundu inayi sikwachilendo.

Koma pali othandizira ena omwe ali ndi mapangano abwino kwambiri omwe amakupatsirani chivundikiro chabwino kwambiri ngati amphaka mnyumba yobwereka. Malingana ngati mulibe eni ake onse, mumapindula poyang'anitsitsa mitengo yamitengo yokhala ndi mapindu owonongeka. Kwa makampani ena a inshuwaransi, zimakhala ndi gawo lofunikira ngati kusasamala kwa mwini nyumbayo kwadzetsa kuwonongeka. Nthawi zina ngongoleyo silipira chifukwa inuyo muli ndi udindo pa khalidwe loipa la mphaka wanu.

Kusasamala kulipo, mwachitsanzo, ngati mupatsa bwenzi lanu lachiweto mwayi wopita kumalo omwe ali pangozi. Pamenepa, inshuwaransi nthawi zambiri sidzaphimba zing'onozing'ono m'chipinda chobwereka chomwe chili ndi pansi kwambiri. Ngati mukukayika, ndikofunikira kufunsa akatswiri za nthawi yomwe mtengo wobwereketsa umateteza mwini mphaka ku misampha yamtengo wapatali.

Mulingo Woyenera Inshuwaransi ya Amphaka

Ngakhale zitengera mtunduwo ngati chiwetocho chili panja komanso ngati mawonekedwe ake angayambitse zovuta, inshuwaransi yazachuma nthawi zonse imakhala yothandiza. Mwachitsanzo, ngakhale mwana wa mphaka wokondedwa kwambiri amatha kukanda msanga penti ya galimoto uku akusewera. Kwa amuna okulirapo kapena ankhanza, ndibwino kutenga inshuwaransi yokhala ndi inshuwaransi yokwera kwambiri.

Kuti mukhale okonzekera bwino kuchokera kumalamulo ndi udindo wanu wachinsinsi pazochitika zilizonse zosafunikira za mphaka wanu, muyenera kuyika kufunikira kwa inshuwaransi potenga inshuwaransi, komanso zoletsa ngati wanyalanyaza. khalidwe ndi kukula kwa chitetezo chalamulo. Ngati mukukhala ndi chiweto chanu m'nyumba yalendi, phindu likawonongeka ndi lofunika kwambiri. Pokhapokha ndi phukusi la inshuwaransi yophatikizika yomwe imawononga zonse zomwe zingawonongeke m'moyo watsiku ndi tsiku wa mphaka wanu wapanyumba komanso m'malo anu omwe, monga eni ake, mutha kuletsa mavuto azachuma.