Loaʻa iāʻoe kāu kālā e hoʻokaʻawale ai? Ma muli paha o nā palena kūikawā.
He nui nā kānaka e haʻalele i kahi koi hoʻolimalima e pili ana i ka pōkole, akā, hiki ke paleʻia kēia ma ka hoʻomaopopoʻana i ka mea e manaʻo ai ma mua. ʻO kekahi o nā manaʻo kuhihewa nui e hōʻeha ai i nā kānaka i ka uku kīna'ī ke manaʻo lākou e ukuʻia lākou no kekahi mea, akā,ʻaʻole e ukuʻia.
ʻO ka kumuʻole pinepineʻole i kaʻikeʻole i nā palena o ke 'inikua.
Ma ka aʻoʻana e pili ana i nā palena kūikawā a me nāʻano e hiki ai iā lākou ke hoʻopōmaikaʻi iāʻoe, hiki iāʻoe ke hoʻoholo i nā koho maikaʻi aʻe inā ponoʻoe e hōʻoia e hoʻokomoʻia, aiʻole inā makemakeʻoe eʻike i kahi kulekeleʻoi aku ka maikaʻi no kāu mau pono.
He aha ka palena kūikawā kūikawā ma luna o ka pilikino?
ʻO kahi palena kūikawā o kāu hana pili i kaʻinikua he palena ia i loko o kāu'ōlelo kulekele e hōʻike ana i ka nui o ka uku e ukuʻia no kekahi mau mea i koho muaʻia. ʻAʻole ia e kānalua me nā mea a me nā palena waiwai pilikino e pili ana i kāu palapala hoʻolaha hoʻolaha pili kālā a iʻole ke kūlana waiwai o ka hale eʻoi loa aku ana.
He palena palena nui: He palena palena kāu hoʻokele waiwai i ke kālā a i ke kālā paha
Eia kekahi hiʻohiʻona o nā palena kūikawā ma kāu kulekele inikua a pehea e pili ai i kahi koi:
Ua hao waleʻia ka makuahine o Mary, aʻaʻole waleʻo nā pōā i lawe aku i kāna mau mea nani a me kāna kālā kālā, akā, ua hāʻawi akuʻo ia i $ 1,500 i ke kālā e ola ana kona makuahine ma lalo o kona wahi maʻi no ka lā ua.
I ka manawa a kona kupunawahine i koi ai i ka 'inikua, ua hāʻawiʻo ia i nā hōʻoia a pau he $ 1,500 i hūnāʻia ma lalo o ka maʻi maʻi; ua hōʻiliʻili i kāna mau koho loiloi i loaʻa he $ 16,000; a hoʻolako i nā kiko kiko kālā i hōʻaʻiʻia i $ 6,000. Ua hāʻawiʻo ia iā ia i mea nāna e hoʻopiʻi i kāna koi no kāna hōʻoia o nā pepa a me nā waihona waiwai a me ka waihona kālā a ua manaʻoʻo ia e ukuʻiaʻo ia i ka $ 23,500 no ka meaʻo ia kona lilo maoliʻana .
Ua noi akuʻo Miriamawahine i $ 23,500 no kaʻaihue, akā ua uku aku ka hale kūʻai i $ 4,200! He aha i hana ai?
Me nā pepa a me ka hōʻoiaʻiʻo o ka waiwai o nā mea iʻaihueʻia,ʻo ka makuahine o Mary wale nō he $ 200 no ke kālā, $ 2,500 no ke kālā kālā a $ 1,500 no nā mea kūʻai: he $ 4,200. ʻO ke kumu i loaʻa ai iā ia kēia uku no ka meaʻo ia ka uku iʻoi aku i ukuʻia e like me ka ho'ākākaʻia ma nā wahi liʻiliʻi o nā "Limitā Limo o ka Liability" ma kānaʻaelike. ʻAʻohe hewa, akā, he kānakē nuiʻole ka mea i uhiʻia e kaʻinikua.
No ke kumu i loaʻaʻole ai iāʻoe ka uku piha no kaʻaihueʻana i ke kālā a me nā mea'ē aʻe i kāu pilikino
Ma muli o nā palena kūikawā o ka hoʻolālā ma ke kālā a me kaʻoiaʻiʻoʻaʻole i hoʻonoho ka makuahine o Mary i nā mea waiwai a me nā mea kālā ma luna o ka mea hoʻokele a i ka hōʻoia kūikawā paha , ua lilo ka makuahine o Mary i nā kumukū kālā heʻehā no ka nui o ka waiwai iʻaihueʻia, a me ka uku i ukuʻia no nā palena kūikawā.
E uku wale aku ke kamupala hoʻokele i nā palena kūikawā i loko o kaʻaelike
Ua huhū kaʻohana no ka mea ua lolū lākou a hōʻinoʻia e ka 'inikua, akā, aia nā kiko'ī i nā palena kūikawā. ʻAʻole i hana ka makuahine o Mary i kekahi mea hewa, a ua loaʻa iā ia kaʻike a pau e hōʻoia ai i ka nui o kona nalowaleʻana.
ʻAʻole ia he mea nui. ʻAʻole loa i ukuʻia e ia ka nui o ia mau kumukūʻai no ka mea,ʻaʻole lākou i uhi. E uku wale nō ke kamupanei i nā mea a lākou iʻaelike ai e uku i loko o kaʻaelike.
Ua hiki ke hoʻoholo i nā mea a pau i ka wā ma hope o ka nānāʻana i nā palena kūikawā o ka hale kūʻai i ka wā i kūʻai aku ai lākou i ke kulekele a nānā paha i nā hōʻailona no ka hoʻololi houʻana me ko lākou mea'inikini eʻike e pili ana i ka hoʻonuiʻana i nā mea hoʻokele hoʻokele .
"Nā Limi Kūikawā Kūikawā" e pili i ka nui o kāu kālā e ukuʻia ai i loko o kahi koi
Inā loaʻa iāʻoe kahi'Āmike Home Insurance, Insurance Home, a me Condo Insurance policy , he mau palena wale nō i hunaʻia ma loko o ka'ōlelo kulekele e hoʻoholo ai i ke kālā e ukuʻia aiʻoe i kahi koi. He nui nā kānaka e nānā i ka nui o nā mea i hoʻopaʻaʻia, a iʻole ka waiwai waiwai o ka mea waiwai pono'ī a e noʻonoʻo i ka nui i heluʻia ma kaʻaoʻao hōʻike e like me ka nui o ka uku e ukuʻia ai lākou i loko o kahi koi, akā, he kuhihewa nui kēia.
Hoʻolako i kēlā me kēia kulekele i nā palena kūikawā kūikawā a me ka manawa iʻikeʻia e ka lehulehu i loko o ka manawa koi.
No ke aha he palena kūikawā no kekahi mau mea ma nā kulekele pili hale?
ʻO ka hāʻawiʻana i nā palena kūikawā i nā kulekele inikua e hōʻoiaʻiʻo e lilo ka uku o keʻinikua i mea kūʻai no ka lehulehu.
ʻO nā palena kūikawā e hoʻohālikelike i nā mea i kahi waiwai i loaʻa i ka "average" e loaʻa ai ka nui o ke kikowaena i hāʻawiʻia, akā, pili kēia i ka nohona o kēlā me kēia kanaka.
He mea nui nō hoʻi e hoʻomanaʻo i nā palena kūikawā ma luna o kekahi mau mea i hoʻonohonohoʻia i ka wā i likeʻole ai ka nohona a he likeʻole ka waiwai, aʻoiai ua hoʻololi houʻia kekahi mau palena,ʻaʻole lākou e mālama i nāʻano noho o kēia lā, akā, ma nā wahi nā kānakaʻenehana kelepona aʻoihana hana.
ʻO kahi kumu hoʻohālike maikaʻi o ka palena palena palenaʻole i hiki ke lilo i kumuhana e palena ana i ke kālā kūpono e ukuʻia i $ 200 a $ 500 paha. ʻAʻole pono ka waiwai o kekahi i ka loaʻaʻana o nā kālā he haneli kālā, e noʻonoʻo ināʻoe e hoʻohana i kēia i loko o ka home me kekahi mau kānaka e noho ana i laila. Eʻikea paha,ʻaʻole lawa ka palena. No ka hapanui, manaʻo ia e hoʻohana nei nā kānaka i nāʻeke e waiho i "kālā nui" - pehea ka nui o ke kālā? Hoʻonohonohoʻia nā kumukūʻai hoʻolālā e hoʻoponopono i nā koi o ka palena. Ināʻoe i waho o kēlā manaʻo kaulike, laila ponoʻoe e nānā i nā palena.
No ka hoʻomaopopoʻana i kēia mea maikaʻi, e nānā i kahi papa inoa o kekahi o nā palena kūikawā i loaʻa ma nā kulekele pili inikua.
Maheaʻoe eʻike ai i nā palena kūikawā i kāu kulekele pilikino?
Ma mua o ka heleʻana i kahi o nā palena kūikawā, hiki iā ia ke kōkua i kaʻike i kahi e hiki ai iāʻoe ke loaʻa iā lākou ma kāu kulekele pono'ī. Hoʻohana i keʻano o kahi kulekele HO-3 mai ka Insurance Institute, ma lalo o ke poʻo "Coverage C: Personal Property". ʻO kāu hale, hale hoʻolālā , a me nā kulekele hoʻolaha ukiuki e hahai like i kahiʻano likeʻole a me kāu mau palena kūikawā ma kaʻaoʻao like.
Heʻokoʻa kēlā me kēia hui. Hoʻolako kekahi poʻe i nā ala e loaʻa ai nā palena kūikawā kiʻekiʻe, ma ke kāpaeʻana i nā palapala kulekele a me nā kūlana hoʻokūkū. Hiki ke hoʻohanaʻia kēiaʻike ma keʻano he alakaʻi e kūkākūkā i kou mau manaʻo e pili ana i kāuʻinikua e hiki ai ke nānā i nā palena kūikawā kūikawā o kāu kulekele, aiʻole e hiki iā ia ke hāʻawi iāʻoe i kahi kulekeleʻoi aku me nā palena kiʻekiʻe.
10 Nā palena kūikawā maʻamau i kāu mau pono e pono eʻike
Eia ka papa inoa o nā palena kūikawā maʻamau o ke kālā i ukuʻia i loko o kahi koi i nā mea kiko'ī i loko o kāu kulekele pili. He huahua kēia wale nō o nā palena kumu; aia nā meaʻoi aku o kāu kulekele ma mua o kēia mau mea i loko o nā palena a me nā hapa. Hiki iāʻoe ke manaʻo nui i nā mea e nānā ai. Ma muli o ke kaʻawale o nā palena mai ka hui i ka hui,ʻaʻole i heluʻia ka palena.
Keʻano likeʻole kēlā me kēia hui, hiki i kēia mau palena keʻano nui inā loaʻa iāʻoe kēia mau mea. E noʻonoʻo a nīnau i keʻano o ka uhiʻiaʻana o lākou, pehea lā lākou e wehewehe ai a kaupalenaʻia:
- Kālā kālā,'Ake kālā, nā pane kīʻaha, nā'āpana, nā mea waiwai likeʻole e like me ke gula a me ke kālā a me nā kāleka maikaʻi i hoʻopaʻaʻia a me nā kāleka maikaʻi
- Nā hōʻoiaʻiʻo, nā moʻolelo, nā hana, nā hōʻike o ka aie, nā leka noi, nā memo, nā manuscript, nā moʻolelo pilikino, nā passports, nā tickets, a me nā kāpena
- Kaukini (ma lalo o nā palena'ē aʻe i loko o ka'ōlelo'ōlelo politika) me kā lākou mau kaʻa wāwahi, mea hana, mea lako a me nā mea ukali a me nā motuka.
- ʻAʻole hoʻohanaʻia nā trailers a me nā loiloiʻole me nā wai
- Loaʻa ka palena i ka nui o ka uku e ukuʻia no nā makana, nā wati, nā paku, nā pōhaku waiwai a me nā pōhaku maikaʻi i ka wā i nalowale ai i kaʻaihue. ʻO kēia paha ka palena kūpono loa iʻikeʻia ma muli o ka hoʻomauʻana o nā kānaka i nā wati a me nā makana maikaʻi,ʻo ka mea maʻamau loaʻo ia ke apo mare. ʻO kekahi mauʻinikua pū kekahi e hāʻawi aku i kahi pili pono no nā apo mele ma keʻano kiʻekiʻe loa o kā lākou mau waiwai i ka hoʻohālikelikeʻana i nā helu. Eia kekahi laʻana, ʻoiai he mea hiki ke loaʻa i kekahi he $ 50,000 hoʻokele'āina a me kahi kānana $ 25,000,ʻaʻole ia i nā manawa he nui ka manaʻo i ka poʻe o nā lālā kūʻai e hoʻolako i ke kaula i hoʻokaʻinaʻia i ka hapalua o ka waiwai o ka papa inoa piha o ke kanaka nā waiwai. Loaʻa nā koho i loaʻa i kēia mau hihia e kūʻai i kahiʻinikua kaʻawale a iʻole ka mea hoʻoholo me nāʻinikua kūʻai nui-nui a iʻole nā mea hoʻolalekana mea hoʻolaha.
- ʻO ke kālā, ke gula, a me ka platinum-ware a iʻole ka pale-ware i ka wā i nalowale ai i kaʻaihue. ʻOiaiʻaʻole i kaulana i kēia mau mea i ka wā i noho ai lākou i ka heluna nui o ka lehulehu, nui nā kānaka i loaʻa nā waiwai i hoʻoiliʻia e lākou, a pono e noʻonoʻoʻia i kēia mau mea i ka wā e noʻonoʻo aiʻoe i nā mea āu e pono ai.
- Ke ahi a me nā mea i pili i ka wā i nalowale ai i kaʻaihue
- No nā waiwai i hoʻohana muaʻia no kaʻoihana, pono i kēia kikowaenaʻelua mau palena, hoʻokahi o ia mau mea ma "Ma kahi o ka hale" a lailaʻo ka mea'ē aʻe ma waho mai. " Ua nui ka palena akā he hiki ke emi ma kahi o $ 500 mai kahi mai. Inā pili kēia iāʻoe,ʻaʻoleʻoe e makemake wale e nīnau e pili ana i ke kaʻina kūikawā akā hiki paha iāʻoe ke pili i ka hoʻoneʻeʻiaʻana ma ka kulekele iʻole e uhi iāʻoe no kahiʻoihana home. Ke holo nei i kahiʻoihana mai kou home, i kahi mea liʻiliʻi paha, hikiʻole ke hoʻohaunaʻia kāu inikua a ināʻaʻoleʻoe i hōʻike, e like me ke kulekele o kaʻoihana kūʻai i nāʻoihana home. E mālama a kūkā i kēia me kāu inikua inā loaʻa kāu kālā ma muli o ka hanaʻana mai ka home. He mea nui no ka mea,ʻaʻole ka palena wale nō i loko o ka waiwai, akā, i loko o kāu hoʻopili kuleana pilikino .
- E makaʻala i nā palena liʻiliʻi i kēia mau mea ola. Nā kaʻa a me nā mea hoʻolimalima, Mobile Devices - kelepona, papa, a me ka mea'ē aʻe.
- Nā Fine Arts, nāʻupena, a me nā hōʻiliʻili. ʻAʻole paha e hōʻikeʻia kēia mau mea i nā Limitena Limeli o ka Section Insurance akā hiki ke hoʻokuʻu a palena paha i nā māhele'ē aʻe o ka'ōlelo. Inā loaʻa iāʻoe kekahiʻano o nā mea kahiko, nāʻoihana maikaʻi a me nā hōʻiliʻili o kēlāʻano kēiaʻano, e'ōlelo i kāuʻinikua e pili ana i ke kumu o ke koiʻana o ka hoʻolālā kuleana aʻike i ka palena a iʻole ka weheʻia. Aia kekahi mau kulekele i kūkulu ponoʻia e ka poʻe me kēia mau mea, no laila he mea nui e kūkākūkā inā loaʻa iāʻoe kekahi o kēia mau mea eʻike ai i kāu mau koho.
ʻO ka palena kūikawā like me ka mea e hoʻokomoʻia i loko o kahi koi .
ʻAʻole e hoʻohokaʻia kēia mau palena me nā mea unuhiʻole; e pili ana ka mea i unuhiʻia i kēia mau mea i loko o kahi kuleana keʻole i hōʻike 'ia i loko o kāu kulekele pili pono.
Loaʻa i nā kulekele hoʻokele waiwai a pau nā palena kūikawā ma nā mea a me nā waiwai pilikino?
ʻAe, nā'ahameleʻokoʻa a pau i loko o nā'ōlelo i loko o ka hua'ōlelo e kau ana i nā uku e ukuʻia no kekahi mau mea. Eia naʻe,ʻoiai he mau kūlana kūikawā nā kamaliʻi a pau,ʻaʻole like lākou. Hiki i kekahi hui ke hāʻawi i nā palena kūikawā kiʻekiʻe. Hiki i nāʻokoʻa'ē aʻe ke hāʻawi i nā koho likeʻole e koho ai mai ka mea ināʻaʻole pono ka mea kūʻai i nā palena kūikawā kiʻekiʻe, hiki iā lākou ke koho i kahi kulekeleʻoihana.
Ke kūkākūkāʻana i nā palena kūikawā ma kāu kulekele pili kālā e hiki ai iāʻoe ke kālā
Lawe i ka manawa e nānā i kāu mau palena kūikawā hiki ke mālama iāʻoe i nā kālā he tausani no ka uku āu e uku ai i kāu hoʻokele i kēlā me kēia makahiki, a me ka nui o kāu uku no kāu koi:
- Loaʻaʻoleʻoe i kekahi o kēia mau palena kūikawā kūikawā, no laila e hiki iāʻoe ke lawe i kekahi kulekeleʻoi aku.
- Loaʻa pahaʻoe i kahi inikua hou no ka mea e pili ana kēia mau palena kūikawā iāʻoe. Hiki iāʻoe ke hoʻoholo i kēia ma hope o ka kūkākūkāʻana me kou luna hoʻolālā.
Mai ukuʻoe no ka hoʻokele āu e ponoʻole ai, aʻaʻole hoʻi eʻoki i nā kihi no ka mālamaʻana i ke kālā ma ka mea hoʻolimalima ma kaʻikeʻoleʻana i nā mea nui iāʻoe.
ʻO ke kupunawahine o Mary ka mea i uku pihaʻia i kona kuleana inā ua laweʻo ia i ka manawa e hoʻonui i nā holo lio a me nā kūlana. Uaʻoi aku paha kona maikaʻi ma o ka kohoʻana i kahi kulekele waiwai nui ma mua o ke kulekele o ka home no ka uhiʻoleʻana iā ia i ka wā e pono aiʻo ia e hana i kēlā koi.