מה שאסור להתעלם ממנו בביטוח הבית

המאפיין האישי השני שאליו ברצונך להתמקד ברצונך לוודא שהוא:

עלות החלפה מלאה אינה בפועל

ערך המזומנים בפועל הוא כמו ביטוח הרכב הישן יותר

מקבל את הקטן שיש בו כדי לוודא שכאשר הספה שלך יושבת בבית שלך כבר 10 שנים, ככל שהספה המבוגרת לא תרצה שהיא תאבד ערך, מכיוון שאם יש לך אש, נניח שהבית כולו גדל אתה עומד להחליף מאה אלף דולר בשווי של החומר שלך, והם כותבים לך בדיקה של $40,000 שאינך עומד להיות מאושר הוא כיצד אנשים מסוימים עושים זאת כדי שתהיה מעוניין להיות זהיר מאוד, ועליך לוודא שתמיד תבצע החלפה מלאה עלות זהה עבור השוכרים אם אתה במצב זה של עלות חלופית אינה חשובה גם אם יש לך כסף של 20,000 דולר

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אינך מעוניין לבדוק שמונה אלפים דולר אם עלית 20,000 דולר של אובדן פריט שנגנב או פגום, בסדר, כך שהחלק השני הוא הכיסוי שיש לך בכיסוי B ובכיסוי C. אלה הן יחידות הביטוח העיקריות שכעת ניתן לחזור ולכסות את המקום הבא, כך שגם הכיסוי הבא יהיה ברשותך

דבר שאני מאמין הוא D, וזה גם אובדן של שימוש, כלומר אם אתה אומר שיש שריפה במטבח בגונה במטבח לקחת חודש וחצי כדי לתקן את שעליכם לצאת מהבית כי הם גונה לגמרי הם גם גורמים לך לעפר ולחומר שאינך יכול להיות שם, זה לא בטוח, ולכן עליך לצאת מהבית כבר בחודש הבא וחצי שאינך נמצא ליד הבית שבו אתה צריך לעבוד כדי שמישהו יבקש לענוד לך את המדשאה רק לאחר שהגיעה אל קיצוץ הדברים שלהם, אתה חייב לשלם להם, מכיוון שהפסד זה מכוסה עקב אובדן זה של כסף שאתה מפסיד, ושכיסוי הבצל שלו הוא כיסוי הטראומה שכך אובדן השימוש הוא כיסוי של הבל אתה שוכר

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הבית השני הוא 1,000$ מדי חודש או 1,500$ מדי חודש, ואתה משלם לבחור על כל מה שאתה עושה בכל אובדן של כסף שעולה על אותו חלק בגלל אובדן השימוש, כך שיהיה לך כיסוי נהדר רגילה, אינני יודע במה היא משתנה מחברה לחברה, חלקם כתוצאה מהפסד ממשי – מכיוון שקיימת אי-זוגי מאוד שאתה עומד להיות נדיר מאוד, מכיוון שבדרך כלל, אתה גדול מכל הסיבות הם יכולים לתקן את הבית תוך חודש, או כך שאתה אובד כמה אלפי דולר בשימוש, ולא מדובר בעסקה גדולה אחרת, כלומר, עשרים אחוזים מהכיסוי שלה. במקרה כזה, אתה עלול להגיע לאובדן של ארבעים אלף דולר לשימוש וזה סביר להניח שהוא בסדר המצב שלי אני לא חושב ש- \’מ גוננה’ לשכור אחוזה או כל דבר שהחלק האחרון הוא כיסוי ד’ וזה רק אומר שאם מישהו יפגע ברכוש שהוא משלם

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כמות שהיא בדרך כלל פגומה באלף, לא רעיון גרוע שעובר עד חמש

אלף זה נורמלי למדי שאין מקום לכסות את חשבון בית החולים שלו, מישהו ניפגע אם הוא חבריך שנחתכו שם לימונים, והם חתכו את האצבע בימין שהם זקוקים לו, הם יתפתו חמש מאות דולר שהם מעדיפים לשלם רק עד 500 דולר או אלף דולר אם הם עושים את זה בצורה שטוחה, הם מטפלים בתביעה שתנסה להביא לך אלפי דולרים מאוחר יותר או חמישה, אתה יודע מה יהיה שם כדי לשלם את הניכוי שלהם או רק כדי להודיאם לשלם לפגוע במאפיין אם אין די כיסוי במה שחברך עושה, והם די צריכים לומר שהם חתכו את האצבע ימינה ושהוא נפל עליך מתוך התקרה וגרם לו להישען על הראש הם החליקו פנימה את האצבע ימינה או נפלו על המדרגות, ושברו את הצוואר ישירות, קיבלו עכשיו 300,000 דולר של חשבון רפואי, ואין להם חשבון רפואי כדי שיוכלו לעשות זאת

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בדרך כלל, הם מתגאים בך או בביטוח שלך, בתקווה שתהיה לך כיסוי מספיק במקרה שלנו. עשינו חמש אלף תרופות כדי שתשלם באופן אוטומטי שאם זה לא מספיק הם הולכים אחרי חברת הביטוח שלנו, והכיסוי הבא הקרוי אחריות שזה דבר שאתה אם חבריך נמצאים בבית עלולים לגרום לך להיות סמוך ובטוח גם אם הם ייפגעו או יתפקדו בדיוק כפי שהם מחליקים על כביש הגישה

בנוסף, לא ניקיתם את השלג מפני שהוא זו התקלה שבה אתם אחראים בחזית הבית, למרות שהממשלה עשויה להיות הבעלים של המדרכה המתאימה לכם, אתם אמורים לנקות אותה כך שהיא בטוחה כך שהיא תהיה מה שהיא תלך אחרי ההתחייבות כאן בדרך כלל החלק המהפחיד שאני רואה הרבה אנשים והרבה חברות עושות את המינימום, שהוא מאה אלף דולר. אני חושב שבביטוח הרכב שלך אתה עושה בדרך כלל מאתיים וחמישים או מאה לאדם, עד שלוש מאות אלפים או חמש מאות אלפים דולר לתאונה בדרך כלל אתה עושה כמעט חצי

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הנכס שכן אנו נמצאים כעת במבנים נפרדים. יש לנו\”רכוש אישי”. אנו מקבלים את אובדן השימוש שאנו עושים.\יש לנו גם את ההתחייבות; לאחר מכן, אנו מקבלים את החלקים העיקריים שבהם אנו מקבלים את החלק האחרון, שהם החלק האחרון שכיח ביותר, שבהם רוב גילאי הביטוח הם בדיוק חשבנו על הראש שלהם, זה\י אלף דולר שהאפשרות הנפוצה ביותר עכשיו לא תתגעשי\’ט אם יש לך כסף נוסף, ייתכן שתרצה לבצם עד 25- אם אתה\אתה סוקר את סוג האדם שיש לו מספיק כסף שבו תוכל לחסוך במקום גשום היום ויש לך את ואתה\אינך מתכוון להשתמש בביטוח שלך בכל מקרה, משום שהתכוונת ל- $5,000 או $10,000 ל-\n

$20,000 טוענים שהגג התמוטט עקב סערה ימנית.\’אם לא גוננה’ טענה שאני\’מ גוננה’ פותרת את הבעיה בעצמי, לא לדאוג לגבי הביטוח והעיסקה עם המחירים שלי עולה ויורד וכל הדברים האלה ישר, אז כנראה שזה רעיון טוב כדי להגיע אל אדם זה, המעוניין לחסוך כסף נוסף, ופשוט מעדיף לפצות את סוכן הביטוח שלך

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