He mea nui e mālama pono i kou waiwai
ʻAʻole wale ka waiwai nui o ka hoʻokele hoʻokele no ka paleʻana i kāu mau waiwai pono'ī, akā, he mea ia e koiʻia ai ma nāʻano lumi hoʻolimalima hou. ʻO ka manaʻo kuhi likeʻole,ʻo ka mea hoʻolimalima o kāu mea hale e hūnā ai i kāu waiwai pilikino. He wahaheʻe kēia. ʻO kaʻinikua o ka'āina'āina wale nō e uhi i ka hanana kūlohelohe akāʻaʻole kahi o ka waiwai pono'ī o ka mea'āina.
ʻO ka hoʻopiʻi waiwai hoʻokele a ka mea hale e hoʻopau i kāu mau mea i ka wā e noho ana i kahi waiwai hoʻolimalima e pili ana i nā poho i hanaʻia e ka papa inoa o nā pilikia i kapaʻia e like me ke ahi, kahuehue, nā makaniʻino a me nāʻino kūlohelohe'ē aʻe. Hiki iāʻoe ke hoʻohui i nā kikowaena ma ka hōʻoia / hoʻokele no nā mea e like me nā mea pilikino waiwai, mālama hoʻomalu a me nā palena palena hoʻolālā'ē aʻe e pono e hele i waho o kāu lumi no ka hana houʻana no ka pohō. Loaʻa iāʻoe ka palekana no ka uhiʻana i nā pōpilikia e hiki ke loaʻa i kekahi mea e kipa aku ana i kāu keʻena e like me kaʻeli a me ka hāʻule. E loaʻa i kēlā me kēia luna nā palena likeʻole o ka hoʻopuka a me nā kohoʻoihana i loaʻa.
I ke kohoʻana i kahi e kūʻai ai i ka'anikua homeer, he nui nā kumu e noʻonoʻo ai, e like me ka ukuʻana, nā hāʻawi kālā, ka waiwai kālā, ka lawelawe mea lawelawe aʻoi aku. ʻO nā kamupene hoʻokele a ka poʻe e hoʻolimalimaʻia nei e helu nuiʻia ana e JD Power & Associates, AM Best, Insure.com People's Choice Awards, Consumer Reports, ka Better Business Bureau a me nāʻoihana hoʻolālā'ē aʻe a aia i loko o nā koho maikaʻi loa no ka hoʻolimalima o ka hale kūʻai ma ka mākaʻi kūʻai.
ʻO ka maikaʻi maikaʻi loa o kaʻaha kanaka piha: Erie Insurance
Erie nā mea kūʻai like me ka hui no nā kumu he nui; nā uku kūpono, ka uku kūpono maikaʻi a me nā lawelawe hoʻopiʻi maikaʻi. ʻO Erie Insuranceʻo ia ka Nānā 1 kahi kamupani kūʻaiʻokoʻa i loko o ka JD Power Home Insurance Study me ka helu 5-helu o ka helu helu mana mana 5-a me ka "A +" AM Hōʻike maikaʻi loa. Ua hoʻonohonohoʻiaʻo Erie Insurance i loko o Pennsylvania. Hoʻolakoʻiaʻo Coverage ma nā moku'āina 12 a me Washington, DC
ʻO ka hoʻokele waiwai hoʻokele a Erie i hāʻawi ponoʻia no kahi pono'ī pono'ī a me ka loaʻaʻana o nā mea'ē aʻe no kaʻike maoli a me nā mea pilikino waiwai. E hāʻawi aku anaʻo Erie's i kahi ukiuki maʻamau āpau e hiki i ka 30 pakeneka (hiki ke hoʻolimalimaʻia mai ka 14 a 30%). Inā loaʻa iāʻoe kahiʻinikua kaʻawale me Erie, he mea kūpono ia eʻike inā hiki iāʻoe ke ho'ōla ma ka loaʻaʻana hoʻi o ka'ōlelo hoʻolimalima hoʻolimalima. E hoʻopihapiha ka kulekele pili waiwai a Erie i kāu waiwai (ke kelepona, nā lakohana, me nā mea hana kelepona, a me nā mea'ē aʻe), e uku i nā hoʻolālā ola hou inā ponoʻoe e noho i kahi'ē aʻe oiai e hana ana kāu keʻena i ka hoʻoponopono a no ka hōʻehaʻana i nā kānaka a me ko lākou ka waiwai i kou kipa i kou home.
Ua mālamaʻia nā palihanaʻelua o 02: State Farm
Hōʻai'ē ka Moku'āinaʻoʻAmelika i kahiʻapi kūʻai ma lalo o kaʻoi akuʻoi aku o ka uku kūpono no ka nui o nā mea kūʻai a me nā mea kūʻai (he nui nā uku i loaʻa a hiki iāʻoe keʻike i kaʻike ma kēlā me kēia māhele'āina o ka US). He kūlana koʻikoʻi nui ka Moku'āina Moku ma loko o kaʻoihana loea. Loaʻa iā ia kahi "A ++" me ka hōʻailona waiwai me AM Best a he nui nā hōʻailona lawelawe kaiāulu mai JD Powers (kahiʻekolu ma ka JD Power US Home Insurance Study), Insure.com a me nā hui pāʻani'ē aʻe.
Hoʻolālā kālā kālepa a ka Moku'āinaʻo Moku'āina e hāʻawi aku i nā kumukūʻai piha loa a hāʻawi aku i kahi uku kūikawā no nā polokalamu e nānā i ka home. Hoʻopiha ka kulekele i ka lolouila a hiki i $ 5,000 a hiki i $ 1,500 no nāʻoihanaʻoihana i mālamaʻia i loko o kāu lumi. Aia kekahi mau koho koho kūikawā i loaʻa ma ka hoʻohuiʻana i nā koho koho loiloi maʻamau e like me ke kāpili wai.
03 Hoʻokumu maikaʻi loa: Allstate
Makemake nā mea kūʻai Allstate i nā koho hoʻokele a pau e hele mai me nā kulekele pili waiwai a ka mea nāna i hoʻolimalima, e like me ka uku hoʻolālā maʻamau, palekana home uku, uku uku uku, 55 a me nā uku hoʻomaha a me ka ukuʻole. E uku ke kumukūʻai maʻamauʻole-uku i ka 20 pakeneka ma kāu kālā hoʻolimalima hoʻoili.
Aia kekahi lālā maʻamau o nā koho kulekele, me ka hoʻopiliʻana no kāu waiwai nui e like me nā mea kūʻai a me ke kāpuni no ka mālamaʻana i ka wai kai. ʻO Allstate i loko o nāʻoihana kūʻai kumukūʻai he 10 o ka homeer i JD Power US Home Insurance Study.
ʻO ka mea maikaʻi no ka uku:ʻAiʻAmelika
Nā'ImikekaʻAi MokuʻAmelika i loaʻa nā helu kiʻekiʻe ma kahi o nā kumukūʻai kūʻai kumukūʻai no nā mea hale kūʻai me nā uku kūpono maikaʻi ma lalo o lalo. ʻO ka mea nui e pili ana i ke kulekeleʻinikua a ka poʻe home'āina me kaʻohanaʻAmelika e hāʻawiʻole anaʻoe i ka waiwai kūpono no ke kūʻai aku i kahi kālā hoʻokele waiwai.
ʻO nā kumukūʻai o ka kulekele o ka hale kūʻai o kaʻAmelika Hui PūʻIa,ʻo ia ka palena palenaʻole no ka mea hana kelepona a me ke kikowaena no nā pū kī. Loaʻa iāʻoe no ka weheʻana i ka'elihi a kāpili i kaʻino a me ka paleʻana i kaʻaihue. LoaʻaʻoʻAmelika Home Insurance i ka "A" kūlana maikaʻiʻoihana maikaʻi ma AM Best a loaʻa i ke kūlana kiʻekiʻeʻelua (4 ma waena o 5 mau hōkū) mai JD Power & Associates.
05ʻOihana no ka lawelaweʻana i nā koi: ka nohona palekana
ʻAʻole hiki i ka Liberty Mutual ke hāʻawi aku i ka'olikua hoʻokele o ka mea hoʻokele liʻiliʻi loa ma kānaʻoihanaʻoihana i waena o nāʻoihana maikaʻi loa. ʻO kaʻoiaʻiʻo, uaʻikeʻia ka hui no ka hoʻolahaʻana i nā wahi ma nā wahi kiʻekiʻe i kahi e hikiʻole ai i nā mea'ē ke koho. Hiki iāʻoe ke waiho i kahi kuleana ma ka pūnaewele a iʻole ke kelepona 24/7 a mālama i kāu pūnaewele pūnaewele. Loaʻa ka loaʻaʻana o ka "A" maikaʻi loa o ka Insurance Independent Insurance ma AM Best, a me ka helu "A" mai ka Better Business Bureau. Ua loaʻa i ka Liberty Mutual he 4 ma mua o ka helu helu 5-helu no ka hana noi kuleana mai ka noiʻi kūpono o nā mea lawelawe ma ka JD Power & Associates.
ʻO kahi kulekele pili kālā a ka home'āina mai ka Liberty Mutual e hāʻawi aku i kahi no ka waiwai pono'ī e pili ana i kaʻaihue a iʻole ka hōʻinoʻana i kāu mau mea ma loko o kāu hale a kaʻa paha, kuleana no ka paleʻana iāʻoe ināʻeha ka mea'ē aʻe a ua hōʻinoʻia ko lākou waiwai i ka wā e kipa aku ai i kou home a me kekahi mau kikowaena no nā'ōnaehana home a me nā leo . Aia kekahi koho e hoʻonui i ka uhi no nā mea keu a pau ma lalo o kahi palena kānāwai hoʻokahi. Hiki iāʻoe ke mālama i ka kulekele o kāu loiloi ma ka hoʻokomoʻana i ka homehold a me ka'ō. Loaʻa i kahi uku kuhiʻaiʻole me ka ukuʻole ināʻaʻoleʻoe i waiho i kahi kuleana no nā makahiki heʻelima aʻoi aʻe paha.
06 Kūpono no kaʻikeʻana i kāu kulekele: nā mahiʻai
ʻO ka hoʻoili waiwai o ka mea kūʻai akuʻaʻole hoʻokahiʻano nui i like, akā, i ka wā e hiki ai i ka mea i hiki ke unuhi. ʻO kēia ka nui o kāu e uku ai no kahi koi i mua o ka ukuʻana o ka'upae ukiuki i ke koena. He nui wale nā mea hoʻopuka e hāʻawi i kahi kohoʻelua aʻelua paha i hikiʻole ke kohoʻia akā me nā Hawaiian Insurance hiki iāʻoe ke koho mai nā koho koho hikiʻole ke koho; hiki iāʻoe ke loaʻa i kahiʻokoʻa'ē aʻe no kaʻaihue, makani / hailui a iʻole nā mea'ē aʻe'ē aʻe ma mua o kāu unuhi nui. ʻO kēia ka mea eʻae iāʻoe e loaʻa i kaʻoihana hou ae uku aku no nā kuleana ma nā wahi e nui ai ka pohō.
Hiki iāʻoe ke loaʻa hou i ke kikowaena no nā mea pilikino koʻikoʻi e like me nā makana, nā kamepiula a me nā pono'ī; a me kahi koho no ka hoʻopiʻi kūʻai hou,ʻo ia hoʻi, e uku ke kamupala hoʻolimalima e hoʻololi i ka waiwai i hoʻopoinoʻia me nā mea likeʻole a me ka maikaʻi me ka hapaʻole o ka hoʻoemi.
Hoʻomaopopoʻia nāʻIke Lūkini "A" maikaʻi loa e AM Best a ua loaʻa iā ia ka makana hoʻokupu o ka mea lawelawe mai ka Insure.com People's Choice Awards. Ua loaʻa i ka Inihana Lūkini he 4.5 ma waena o ka helu helu 5-helu ma nā wahi waiwai no ke kumukūʻai, ka hana hoʻopiʻi kūʻai a me ka lawelawe lawelawe.
07 He mea no nā koho hou aku: Nationwide
Loaʻa nā koho kikowaenaʻokoʻa o nā'āina āpau no ke kuleana pilikino e hōʻeha ai i ke kino a iʻole i kaʻino i kekahi waiwai (hiki i kahi mea e hoʻonui ai i ka hōʻailona o ka hoʻopalekanaʻana). nā kālepa ma nā kāleka kālā kālepa / kālepa i kahi palena i hoʻopaʻaʻia), nā mea kikoo ahi, ka mea no nā mea nui kiʻekiʻe (nā kamepiula, nā mea kūʻai, nā lakohana, a me nā mea'ē aʻe), nā hoʻopili hoʻopili pilikino, nā kāleka kāleka kāleka, a me nā pale pale no nā waiwai i mālamaʻia mai kahi home. ʻO ka'olima hoʻokele waiwai a ka 'āina holoʻokoʻa e hāʻawi aku i "nā mea hou," he mea ia e pani ai i nā mea i pau i ka pōʻino uhi me nā mea hou.
ʻO ka'Āpana'Ile o ka Moku'āina he inoa kaulana a hilinaʻiʻia i ka inikua. Loaʻa i ka hui he "A +" hōʻailona AM Best a loaʻa iā ia he 3 ma waena o ka helu helu 5-helu ma ka nānāʻana i nā mea lawelawe o kaʻike JD Power a me nā hui.
08 Hoʻoilinaʻo ka loiloi maikaʻi loa no nā hoʻolālā ola hou
ʻO ka hoʻokele a ka mea hoʻokele i hāʻawiʻia e nā Travelers Insurance Company e hāʻawi aku i kekahi o nā liloʻoi aku iʻoi aku ka maikaʻi ma ka mākeke ināʻaʻole hiki iāʻoe ke noho i loko o kāu lumi no kekahi manawa no ka pohō. Nā uku hoʻolimalima kālā'ē aʻe no nā mea e like me nā hokele, nā meaʻai, ka lole holoi, a me nā mea'ē aʻe. E ukuʻia ka lilo o ka lilo i 20% o ka hoʻopili waiwai waiwai iʻoi aʻe ma mua o kekahi mau loiloi loea'ē aʻe. E uku ana hoʻi i ka uku kūpono piha no nā kamepiula.
ʻO ka poʻe Travelers Insurance a me nā lālā o kānaʻoihana heʻoihana kiʻekiʻeʻo "A ++" me AM Best a ua loaʻa iā ia he 4.5 ma waena o 5 mau helu pākēna no ka hana hoʻopiʻi a me ka lawelawe kelepona mai kahiʻikepili hoʻomaopopo maikaʻi o ka JD Power & Associates.