Iingcango zegaraji ziyinxalenye ebalulekileyo yamakhaya ethu, zibonelela ngokhuseleko, lula kunye nokhuseleko kwizithuthi nakwimpahla yethu. Nangona kunjalo, iingozi ezingalindelekanga okanye umonakalo unokwenzeka, ushiya abaninimzi bezibuza ukuba i-inshorensi yabo iya kugubungela ukulungiswa kweminyango yegaraji. Kule posi yebhlog, siza kuphonononga isihloko sokubanga i-inshurensi yokulungisa ucango lwegaraji kwaye sikhanyisele into ekufuneka bayazi abaninimzi.
Funda malunga ne-inshurensi yabaninimzi
Ngaphambi kokuba uhlolisise ukuba ngaba abanini bezindlu banokuthi bafune ukulungiswa kweminyango yegaraji nge-inshurensi, kubalulekile ukuqonda iziseko ze-inshurensi yabaninikhaya. I-inshorensi yabaninimzi yenzelwe ukukhusela ikhaya lakho nezinto zakho zobuqu emonakalweni okanye ekulahlekeni ngenxa yeengozi ezigqunyiweyo ezinjengomlilo, ubusela okanye iintlekele zemvelo. Idla ngokubandakanya ukhuseleko lwesakhiwo somzimba wekhaya lakho, uxanduva lokwenzakala kwabanye, kunye nepropathi yakho.
IGarage Door Coverage
Iingcango zegaraji zihlala zithathwa njengenxalenye yesakhiwo sendlu yakho kwaye zigutyungelwe yipolisi ye-inshurensi yabaninikhaya. Nangona kunjalo, ukhuseleko lunokwahluka ngokuxhomekeke kwiimeko ezibangele umonakalo. Makhe sixoxe ngezinye iimeko kunye nendlela iinkampani zeinshorensi ezizisingatha ngayo.
1. Iingozi ezigqunyiweyo
Ukuba ucango lwegaraji yakho lonakaliswe yingozi egqunyiweyo efana nomlilo okanye imozulu embi, ipolisi yakho ye-inshorensi iya kuhlawula iindleko zokuyilungisa okanye ukutshintshwa. Kubalulekile ukuphonononga ipolisi yakho ye-inshorensi ukuze uqonde imingcipheko ethile egqunyiweyo kunye nakuphi na ukukhutshwa okunokuthi kusebenze.
2. Ukungakhathali okanye ukunxiba
Ngelishwa, iipolisi ze-inshorensi azisoloko ziwugubungela umonakalo obangelwe kukungahoywa okanye ukuguga. Ukuba umnyango wakho wegaraji wonakaliswe ngenxa yokungabikho kwesondlo okanye ukuguga okuqhelekileyo, unokuba noxanduva lweendleko zokululungisa okanye ukutshintshwa. Ukugcinwa rhoqo kocango lwegaraji yakho kubalulekile ukuthintela iindleko ezingeyomfuneko.
3. Ukonakalisa ngengozi okanye ukonakalisa
Umonakalo wengozi okanye ukonakaliswa kwempahla kunokwenzeka ngokungalindelekanga. Kule meko, iindleko zokulungisa okanye zokutshintsha umnyango wakho wegaraji zingagutyungelwa yipolisi yakho, ucinga ukuba une-inshorensi ebanzi. Ukufumanisa ukuba oku kuyasebenza kwipolisi yakho, jonga kwinkampani yakho ye-inshurensi kwaye unikeze nawaphi na amaxwebhu ayimfuneko, njengengxelo yamapolisa okanye iifoto zomonakalo.
yenza ibango le-inshurensi
Ukuba ucinga ukuba ukulungiswa kocango lwegaraji kungagutyungelwa yi-inshurensi yabaninikhaya, landela la manyathelo ukufaka ibango:
1. Bhala umonakalo: Thatha iifoto zomonakalo ukuxhasa ibango lakho.
2. Hlaziya ipolisi yakho: Ziqhelanise nepolisi yakho ye-inshorensi ukuze uqonde imida ye-inshorensi, iimali ezitsalwayo, kunye nakuphi na ukukhutshelwa okusebenzayo.
3. Qhagamshelana nenkampani yakho ye-inshurensi: Fowunela inkampani yakho ye-inshurensi okanye i-arhente ukuze uchaze umonakalo kwaye uqalise inkqubo yebango.
4. Nikela ngoxwebhu: Nikela onke amaxwebhu ayimfuneko, kuquka iifoto, uqikelelo lokulungisa, kunye nalo naluphi na olunye ulwazi olufanelekileyo olucelwe yinkampani yeinshorensi.
5. Lungiselela ukuhlolwa: Inkampani yakho yeinshorensi inokufuna uhlolo lomonakalo ukuze ihlole ukunyaniseka kwebango. Sebenzisana nezicelo zabo kwaye uqinisekise ukuba ukho ngexesha lokuhlolwa xa kunokwenzeka.
Nangona iingcango zegaraji zihlala zigutyungelwe yi-inshurensi yabanikazi bezindlu, kubalulekile ukuqonda ukhuseleko oluthile kunye nemida yomgaqo-nkqubo. Khumbula ukuba iipolisi ze-inshorensi zahlukile, kwaye kubalulekile ukuba uphonononge ngokucokisekileyo ipolisi yakho ukuze uqonde ukuba yintoni na e-inshorensiweyo kunye nento engahlawulwayo. Ukuba umnyango wakho wegaraji wonakaliswe ngenxa yeengozi ezigqunyiweyo okanye umonakalo wengozi, ukufaka ibango kunye nenkampani yakho yeinshurensi kunokunceda ukuhlawula ukulungiswa okanye ukutshintshwa. Nangona kunjalo, umntu kufuneka aqonde ukuba ukungakhathali okanye ukukrala kunye nokukrazula akusoloko kuhlawulwa yi-inshurensi. Qhagamshelana nenkampani yakho ye-inshurensi ngayo nayiphi na imibuzo okanye izinto ezikuxhalabisayo, kwaye qiniseka ukugcina ucango lwegaraji yakho rhoqo ukuthintela iindleko ezingalindelekanga.
Ixesha lokuposa: Jul-12-2023