Ngaba i-inshurensi yekhaya ibandakanyiwe kwi-mortgage?
Ukuba ubolekiwe imali yokuthenga indlu, i-inshurensi yekhaya inyanzelekile. Nangona kunjalo, nokuba ungumnikazi wendlu yakho ngaphandle kwe-mortgage, i-coverage ebonelelwa ziinkampani ze-inshurensi yinto wonke umntu afanele ayiqwalasele. Ikhaya lakho lolona tyalo-mali lukhulu ebomini bakho, kwaye lifanele ukukhuselwa.
I-inshurensi yekhaya ikhusela olona tyalo-mali lukhulu ebomini bakho: ikhaya lakho. Kwinqanaba layo elisisiseko, i-inshurensi yekhaya okanye i-inshurensi yasekhaya igubungela isakhiwo sendlu xa kwenzeka intlekele yendalo njengomlilo, inkanyamba okanye isiqhwithi esibi.
I-inshurensi yekhaya ikwabonelela ngokhuseleko lobutyala kubaninimzi. Ukuba umntu uwile waza wenzakala kwipropati yakho, ukuba isilwanyana sakho sonzakele umntu, okanye senze umonakalo kumntu, okanye into ebandakanya uxanduva, i-inshurensi yekhaya lakho inokunceda.
Abantu abaninzi babhidanisa i-inshurensi yekhaya kunye newaranti yekhaya, kodwa bahluke kakhulu. I-inshurensi yekhaya ihlawula iindleko zelahleko okanye umonakalo owenzeka ngequbuliso nangokungalindelekanga. Iwaranti yasekhaya igubungela izixhobo kunye neenkqubo ezifuna ukulungiswa okanye ukutshintshwa ngenxa yokusetyenziswa okuqhelekileyo kunye nokuguga.
Ngaba i-inshurensi yasekhaya ngaphandle kwe-mortgage inexabiso eliphantsi?
Xa kufike intlekele, kubalulekile ukuba ukhuselwe, ngakumbi xa kuziwa kutyalo-mali olukhulu olufana nekhaya lakho. Ngaphambi kokuba uvale ikhaya elitsha, kuya kufuneka ukuba uthathe i-inshurensi yasekhaya ukuze uhlawule ipropathi yakho ngomonakalo onokwenzeka.
Nangona ngokwethuku uqonda ukuba i-inshurensi yekhaya ibalulekile, usenemibuzo emininzi malunga nokuba yintoni na kwaye uyifumana njani. Eli nqaku lijonga nzulu ukuba yeyiphi i-inshurensi yekhaya kunye nokuba ixabisa malini, ukuze uqonde ngcono uhlobo lokhuseleko olukhoyo kuwe.
I-inshurensi yasekhaya, okanye i-inshurensi yabaninimzi, igubungela ilahleko kunye nomonakalo kwikhaya lakho, kunye nezinto ezingaphakathi kuyo. I-inshurensi idla ngokugubungela iindleko eziyimfuneko zokubuyisela ixabiso lokuqala lekhaya kwimeko yomonakalo.
Le inshurensi ayikhuseli wena kuphela, kodwa kunye nombolekisi wakho. Yiyo loo nto, ukuba ufuna ukufumana imali-mboleko, umbolekisi wakho uya kufuna ubungqina bokuba uyithathile i-inshurensi yekhaya ngaphambi kokuba ufikelele kwiimali zakho, kwaye uqinisekise ukuba uya kukwazi ukuhlawulela naziphi na iindleko zokulungisa emva kwesehlo esinokubakho.
Ngaba indlu ingathengiswa ngaphandle kwe-inshorensi?
Usenokuba uyazibuza nge-inshurensi yasekhaya ngelixa uthengela ikhaya lakho lamaphupha. Isebenza njani i-inshurensi yasekhaya? Ngaba i-inshurensi yekhaya iyimfuneko? Ngaba ndiyayidinga i-inshurensi yasekhaya ngaphambi kokuba ndivale? Kwaye ukuba kunjalo, ngeliphi ixesha kwinkqubo yokuthenga ikhaya kufuneka ndikuqeshe? Yonke le yimibuzo ebhadlileyo, kwaye ngethamsanqa kuwe sineempendulo.
Uninzi lwababolekisi bezindlu bafuna i-inshurensi yasekhaya nokuba awucwangcisi ukuhamba ngokukhawuleza emva kokuvala. Fumana xa ufuna i-inshurensi yekhaya ngokufunda le mibuzo edla ngokubuzwa.
Akukho mithetho efuna ukuba abaninimzi babe ne-inshurensi. Nangona kunjalo, umbolekisi wakho uya kufuna ukuba ufumane i-inshurensi yasekhaya ngaphambi kokuba uvume imali mboleko yakho. I-inshurensi yekhaya ibandakanya ababolekisi bezindlu xa ikhaya lakho lithwaxwa yintlekele efana nomlilo, umbane, inkanyamba, okanye esinye isiganeko esigqunyiweyo.
I-inshurensi yekhaya lakho kufuneka isebenze ubuncinci kwiintsuku ezintathu ngaphambi komhla wakho wokuvala, njengoko inkampani ye-mortgage ifuna ubungqina bokhuseleko ngelo xesha. Ke ngoko, kufuneka uqale inkqubo yokuthelekisa i-inshurensi yekhaya ubuncinci iiveki ezimbalwa (2-3) ngaphambi kokuvala.
Ukungabi nayo i-inshurensi yekhaya
I-inshurensi yekhaya luhlobo lwe-inshurensi yepropathi ebandakanya ilahleko kunye nomonakalo kwindawo yokuhlala yomntu, kunye nempahla kunye nezinye izinto zexabiso ekhaya. I-inshorensi yekhaya ikwabonelela ngokhuseleko lwetyala kwiingozi zekhaya okanye kwipropati.
Ipolisi ye-inshorensi yekhaya ngokuqhelekileyo ibandakanya iindidi ezine zezehlo kwipropathi efakwe kwi-inshorensi: umonakalo wangaphakathi, umonakalo wangaphandle, ilahleko okanye umonakalo wepropathi yomntu / izinto, kunye nokwenzakala okwenzekayo kwipropati. Xa ilahleko isenzeka kuso nasiphi na kwezi ziganeko, umnini kuya kufuneka ahlawule imali exhuzulwayo, eneneni eyiendleko eziphuma epokothweni zomntu ofakwe kwi-inshurensi.
Umzekelo, masithi ibango le-inshorensi lenzelwe umonakalo wangaphakathi wamanzi kwikhaya. Iindleko zokubuyisela ipropati kwimeko yokuhlala iqikelelwa ngumlungelelanisi welahleko kwi-10.000 yeedola. Ukuba ibango livunyiwe, umnini uyaziswa ngexabiso lemali exhuzulwayo yakhe, yithi i-$ 4.000, kuxhomekeke kwisivumelwano somgaqo-nkqubo esayiniweyo. Inkampani yomshuwalense iya kukhupha intlawulo yeendleko ezingaphezulu, kule meko, i-$ 6.000. Okukhona iphezulu inkcitho engaphezulu kwisivumelwano se-inshorensi, kokukhona isezantsi intlawulo yenyanga okanye yonyaka kwipolisi ye-inshorensi yekhaya.
