E mālama i kāu hale me ka palekana
He aha ka mea nui aku i kou maluhia o kou manaʻo ma mua o kouʻike i kou home a me nā mea waiwai a palekana aʻikeʻoe ua pilikinoʻoe no nā hanana i manaʻoʻoleʻia? ʻO ke kohoʻana i kahi hui inikua no ka hoʻokōʻana i kēlā mau pono, he mea nui ia. Loaʻa nā pae hoʻohālikelike e noʻonoʻo i ka kohoʻana i kaʻinikua home pono, e like me ka hoʻopihapiha piha o nā mea kūʻai, koi koi,ʻoiaʻiʻo no ke kumukūʻai, ke kūʻai kūʻai, nā manaʻo ikaika o kaʻike kālā a me nā mea hou. ʻO nā kamupene hoʻokele waiwai o kēia hale i loaʻa i nā lā a pau i nā kūlana kiʻekiʻe loa ma hoʻokahi aʻoi aku paha mau mahele mai kekahi o nāʻoihana hoʻolālā i luna nui, me JD Power & Associates, AM Best, Insure.com People's Choice Awards, Consumer Reports a me ka Better Business Bureau.
01 Best Discounts: Erie Insurance
Uaʻike maikaʻiʻiaʻo Erie Insurance no kāna'ikikua kaʻawale akā he mea maikaʻi loa ia no ka hoʻolimalima home. Hiki iā ia ke mālama i ka 20 pakeneka o nā uku a no kekahi mau mea kuleana (e pili ana i ka moku'āina)ʻo ia mau pākēka hiki ke lilo i 30%. ʻAʻole loaʻa nā uku pāʻani ma kēlā me kēia moku'āina. Loaʻa ka lālāʻoi aku o kaʻoihana i ka heluʻo Top Insure.com People's Choice Awards a me ka heluʻelima JD Power Circle. Ua loaʻa iā Eric Insurance he'eneke kālā kālā "A +" ma ka hōʻailona AM Best a me ka "A +" mai ka Better Business Bureau. ʻO'Erie Insurance kahi i loaʻa ma ka Fortune 500 US list list aʻoi aku iʻehā miliona mau kulekele i kākauʻia. Hāʻawiʻo Erie i ka moto, ka home, nā poʻe hoʻokele, kaʻoihana pili waiwai a ola. Hoʻolakoʻiaʻo Coverage ma nā moku'āina 12 a me Washington, DC
E uku anaʻo Erie i nā kulekele o ka homeowner: Advantage, Plus a Select, e hāʻawi ana i nā kumu kūʻai i ukuʻia no ka home a me nā mea pilikino me nā palena āpau no 10, 15, 20, 30 makahiki. Hiki ke hoʻohuiʻia ka hōʻailona ma o ka hōʻoia no ka hoihoiʻana i kaʻike, nā mea kūʻai a me nā mea kūʻai'ē aʻe,ʻoihanaʻoihana, hoʻokuʻu o ka mea unuhiʻia no nā kuleana iʻoi aku i ka $ 50,000 a me ka koho e hoʻonui i nā palena palena.
02 No nā mea hōʻailona:ʻO ka Hartford
Loaʻa ka'elike o ka Hartford me ka HuiʻAmelika o ka poʻe Retired a iʻole "AARP" e hāʻawi i kaʻinikua home i nā meaʻelemakule. Eʻike ana nā lālā AARP he mea maikaʻi ka hiki ke kūʻai aku i nā laina laina hou mai kahi mea nāna i mālama a loaʻa iā lākou ka uku nui no kā lākou kālā no ka loaʻaʻana o nā kulekele he nui. He kūlana kiʻekiʻe loa ka Hartford a ua loaʻa iā ia he mau hōʻailona,ʻoiaiʻo ia ka meaʻoi aku ma luna o 10 mau mea hoʻolako ma Insure.com People's Choice Awards a me ka hōʻailona JD Power & Associates Power Circle. Loaʻa i ka Hartford kahi "A +" e hoʻonui ai i ka ikaika o AM me ka maikaʻi o "A-" me ka Better Business Bureau.
Nā papa hana hoʻolimalima Home ma o ka Hartford e hāʻawi aku i kahi kūʻai piha piha i kekahi manawa a hiki i 125 a 150 ka nui o nā palena palena. Hāʻawi pū aku ka hui i kāna "ProtectorPLUS Zero Deductible" koho kahi e hiki ai iāʻoe ke piʻi i $ 5,000 o ka mea hoʻokemoʻia o ka mea nona ka home ka wai i hoʻokuʻuʻia ināʻehaʻoe i ka hopena hopena me ka poino nui.
03 Hoʻonani maikaʻi loa: Amica Mutual
Loaʻaʻo'Amica Mutual i nāʻikepili koʻikoʻi o kaʻinikua home, a me ke kohoʻiaʻana e like me kaʻoihana hoʻolaha iʻoi aku kaʻoihana kiʻekiʻe loa e pili ana i ka pono o nā mea kūʻai i nā mea hale kūʻai ma 16 Jed Power & Associates. ʻO'Amica Mutual nō hoʻi i luna i nā kuleana i ka hōʻoia a me nā hōʻoia waiwaiʻoihana me ka helu "A ++" mai AM Best.
'Aʻawi akuʻo Amica Mutual i nā kulekele waiwai o ka home'āina me ka koho e hoʻonui i ke kālā e pili ana i ke kūʻai houʻia no kou home, waiwai waiwai a me nā mea waiwai me ka koho e kūʻai aku i ka hoʻopiʻiʻinoʻino no nā poho mai nā hoʻolaʻi a me nā kahe. ʻO ka "hoʻokumu kālepa" a'Amica i hāʻawi aku i nā palena a me nā kohoʻoi aku e pili ana i nā kuleana a me nāʻoihana olakino, hoʻopili hou aku i ke kāpili kūʻai, hoʻopaʻa i ka pani houʻana, ka ukali a me ka hoʻomaluʻana, a me nā kumukūʻai hou aku no nā mea pilikino waiwai e like me nā makana a me nā kamepiula.
Ka Hopena Honua: Nā Mea Hoʻohanohano
Hoʻolimalima nā Mea Hoʻohanohano i nā meaʻoi aku ma mua o ka hoʻokele hao wale me kona inoa. Hāʻawiʻia e ia he laina piha o nā mea leka mea pilikino a me ka hoʻolimalima pakihi. Hoʻolaha ka hoʻokele waiwai kaʻawaleʻoʻAmelika me ka uku waiwai o A ++ (Higior). ʻO kahi o nā mea Paʻa-pono'ī ka mea e pono ai ke hoʻopiliʻana i nā kuleana. Loaʻa i ka hui ka uku uku uku no JD Power a me ka Hui no nā makahiki he nui. Aia nāʻinikua Home i nā mea kūʻai i nā moku'āina 26 i mālamaʻia e nā lunaʻoihana kūʻokoʻa he 35,000.
Hoʻolimalima ka poʻe pono'ī i ke kāpili waiwai o ka homeowner me ka 100% hoʻololi kūʻai hou me nā koho hou aku no: nā hoʻolae, nā moku, ke kākoʻoʻana, nā kamepiula pilikino, nā kuleana o ka pono pilikino, ka mea hiʻona, nā snowmobiles, ke kālepa a me nā mea hana hoʻolima. kaʻaiʻai ma hope o ka hoʻopiʻi mana. Hiki iāʻoe ke hoʻolimalima ma ka inikua o kāu mea homeowner: nā hale noho wāwae, nā kumukūʻai o nā kulekele he nui, nā hale i kūkuluʻia, hale hou / hale hou, nā uku kumukūʻai piha, nā mea hoʻolimalima a me nā pale mālama hale.
05 Ka Papa Kūlana Kiʻekiʻe Hoʻolaha: Country Financial
ʻAʻohe meaʻoi aku kaʻino ma mua o ka paʻa a paʻaʻana i nā manawa he nuiʻole inā ponoʻoe e kāhea i loko o kāu kamupene inikua e lawelawe i kāuʻinikua home. ʻO kahi mea hoʻokahi āu e ponoʻole ai e hopohopo no ka pili kālāʻana me ka Moku'āina. Uaʻikeʻiaʻo JD Power & Associates e ka Hui Kālā Kālā'Ilepa a me ka Home Contact no ka lawelaweʻoihana kūikawā ma o kāna kōnae kelepona ola. Loaʻa i ka hui kekahi'eneke loaʻa kālā "A +" ma AM Best. ʻO ka'Āpana kālā kālā he "A-" kūpono me ka Better Business Bureau.
ʻEkolu mau koho kumu no kaʻinikua home ma o ka Moku'āina kālā, me keʻano o ka hoʻopiliʻana, ka pilikino pili kālā a me ka hoʻopiliʻana. ʻO ke kulekele pili waiwai o ka homeowner ke kau aku nei no nā pilikia kūlohelohe e like me ke ahi / uila, kahuehue / hōʻinoʻana, makani / hailili a me ka hoʻokaeʻana i ka pahuna. Hoʻopiʻi ke kumukānāwai mua i nā kukui pāʻani, ka pahīʻana o ka pena a me ka hoʻopiʻiʻana o ka mana i nā mea kani. Me kahi papa hana hoʻopili e pili ana i ka Country Financial, loaʻa iāʻoe kahi'apena hale home no ka home a me ka hoʻopuka nui no kou home. Eia hou, hiki iāʻoe ke koho i kahi kulekele me ka hoʻopiʻi kūpono maoli, ka hoʻopiʻi hou, ka hoʻopiʻi kūʻai hou a iʻole ke kumukūʻai hou aku, e uku ana no ka kūkulu houʻana i kou home a hiki i kahi kiʻekiʻe o 125% o kāu mau palena hoʻolālā. ʻAʻole i loaʻa nā koho koho hou aku i nā kāʻei. Aia kekahi pūnaewele no ke kuleana a me ka lāʻau lapaʻau i hui pūʻia me ka kulekele o kāu mea hale. Hoʻolako pūʻia me nā'āpana pāʻokoʻa, ka hōʻai'ē hōʻailona, ka makahiki o ka wiring, ka makahiki noho, ka wela palekana a me ka uku hoʻonui no ka pae hoʻokiʻekiʻe.
06 Ka Hoʻokumu Pūnaewele maikaʻi: Moku'āina
ʻO kaʻoihana waiwai nui o ka Moku'āina ma waena o kaʻoihana kiʻekiʻe loa o kaʻoihana me ka helu "A ++" mai AM Best. ʻAʻohe mea hopohopo Moku'āina e piha piha i nā kuleana i hōʻikeʻia. Loaʻa i ka hui i ka heluʻoi aku ma luna o ka hōʻailona o Insure.com People's Choice a he nuiʻoi aku ka lōʻihi ma ka papahana JD Power & Associates Power Circle. Loaʻa nā mana hikiwaena pūnaewele a me 24/7 pūnaewele hōʻike hōʻike. Moku Moku
Loaʻa kaʻokoʻa o ka homeowner ma o State Farm e pili ana i nā poho i hanaʻia e ke ahi a iʻole ka uila, kaʻaihue, hoʻolimalimaʻana i kāu pūnaewele pupuhi a me ka makani makani a i ka hōʻinoʻiaʻana o ka huahekili. Hiki ke hoʻolako hou aku i nā mea pilikino waiwai, kaʻaha wai eʻe, nāʻoihana home aʻike i kaʻaihue. Loaʻa nā pākeʻa, me nā pūnaewele haipule home, nā kuleana kuhiʻole, nā mea kinaki ahi, nā mea hoʻokiʻekiʻe, nā palapala hoʻohālike kūpono a me nā pāʻokoʻa maʻamau. Hoʻolakoʻia ka'āina Farm no kahi mahiʻai a me nā kauhale a me nā hale i kūkuluʻia.
07 Ka Honua Ikaika: Cincinnati
ʻO Cincinnati Insurance kahi'ōlaʻi nui i 39 mau moku ma loko o kona kalana me koeʻo Oregon. Inā nohoʻoe ma kahi i pili i nā ōlaʻi, pono iaʻoe ke loaʻa kēia hoʻopili. Eia kekahi,ʻo Cincinnati Insurance he papa helu nui-nui ma ka papa inoa JD Power & Associates Power Circle a he mana ko A + (Superior) kaʻoihana ikaika o AM Best.
Aia kekahi mau koho a ka poʻe homeowners ma o Cincinnati Insurance me ke kūʻaiʻana i ka "kulekele hoʻokumu" a me ka "kulekele papahana hoʻolālā." Me ke kulekele hoʻolālā, hiki iāʻoe ke hoʻonohonoho i ka leka no kou home, nā hale, nā waiwai pilikino, ka hoʻolālā pili kānāwai. Hoʻonui ka kulekele kulekele no ka noiʻana o ka home e hoʻokumu i nā kumukūʻai, kahi kohoʻole e hiki ke hoʻololiʻia no ka hoʻolālāʻana o nā mea i hoʻopaʻaʻia, kahi kūʻai e uku no ka hana houʻana me ka mea likeʻole a me nāʻoihana hale kiʻekiʻe aʻe, ka meaʻaihueʻikeʻole, hoʻolimalima pili kālā a hiki i $ 25,000 a me ke kikowaena. hoʻi hope. Loaʻa nāʻoihana pili hale a me nā koho o ka hihia no kaʻoihanaʻoihana. Hoʻolako pū kekahi me nā kulekele-nui, nā koi, ka home hou, a me ka hoʻolālā hōhoʻe home.
08 He mea maikaʻi no nā Home Kū'ē: Chubb
ʻO kahi waiwai nui o kaʻinikua o ka home'āina i hāʻawiʻia ma o Chubbʻo ia ka koho no ka hoʻopiʻi hou aku. ʻO keʻano kēia inā ināʻoi aku nā kumukūʻai no ka kūkulu houʻana i kou home ma hope o ka halaʻana ma mua o kāu mau palena palena politika, ua uhiʻia. He lono nui kēia no nā mea hale i loaʻa nā hale hou a me nā hale iʻoi aku ka maikaʻi. Loaʻaʻo Chubb i nā kūlana maikaʻi loa. Ua loaʻa iā ia ka helu helu No. 2 mai ka hōʻailona koho o Insure.com People's Choice Awards, a me ka heluʻoi akuʻoi loa ma nā noi i kā JD Power & Associates. Loaʻa ka ikaika o ka ikaika o kaʻenehana A ++ (Luna Nui) mai AM Best.
Kuhiʻo Chubb i kahiʻinikua o ka home'āina me ke kumukūʻai kūʻai hou a me nā koho'ē aʻe'ē aʻe no ka hoʻolimalima kālā no ka hoʻoholoʻana i ka uku hoʻopiʻi, nā lawelawe palekana ahi (ma kekahi mau moku), ke koiʻana i ka hana kolohe a me ka hoʻoponopono i nā kuleana inoa. ʻO ka kulekele kumuhana ka hoʻopiʻi hou aku o ke kumukūʻai kūʻai, ka koho hoʻoponopono kālā, ka uku hoʻolimalima hale, nā hoʻolālā ola'ē aʻe a me ke kāpili kūʻai hoʻolimalima. Loaʻa nā pāhaʻi, e like me ka nui o nā kulekele, nā polokalamu mālama home, ka hale hou / hale hou, ka nele-noa, ka ukuʻana i ka lawelawe kaiaulu kaiaulu, nā palena'āina a me ka hana hale.