Khoom tuav pov hwm - ib co tseem ceeb nuances.

Thaum kawg los mus rau qhov kawg annoying tag nrho cov caij ntuj no, thiab nyob rau hauv nws qhov chaw yog nce rau hauv lub qhib ntawm lub caij ntuj sov rau lub caij. Nws yog tam sim no tseem ceeb yuav tau xav txog koj daim ntawv kho mob suburban vaj tse.

Nws yog nyob rau hauv lub sij hawm no muaj ib tug loj tus naj npawb ntawm cov hluav taws kub thiab lwm yam kev quab yuam majeure tej xwm txheej uas tej zaum yuav kiag los yog cov ua kom puas koj lub tsev.

Tam sim no, muaj ntau ntau yam kev tuav pov hwm cov tuam txhab uas sawv cev rau cov kev pab cuam nyob rau hauv vaj tse mob. Ntawm lawv yog cov qhov sawv daws yuav uas muaj tag nrho cov versions ntawm kev tuav pov hwm pab them nqi, xws li ib tug tag nrho cov pob ntawm txaus ntshai thiab ib tug ncauj lus kom ntxaws census ntawm tag nrho cov insured vaj tse, raws li zoo raws li cov neeg uas muaj nyob rau hauv lawv cov arsenal yooj yim zog los koom ua ib txoj cai nrog ib tug tsawg kawg nkaus naj npawb ntawm cov ntaub ntawv tseg (piv txwv li, lub tuam txhab "Insurance Survey", cov ntsiab lus nyob rau hauv strahexpert.by). Qhov kawg xaiv ntawm ib tug haum kev xaiv - nws yog nkaus koj txiav txim siab.

Tab sis, xaiv lub yav tas kev xaiv, koj yuav tsum xav txog ib tug ob peb yam ntsiab lus. Firstly, yooj yim zog txoj cai tej yam sij hawm rau nws tsim, tab sis nws ua rau nws tsis yooj yim sua los mus piav txog koj tus qauv nyob rau hauv ntau yam. Khoom tuav pov hwm nyob rau hauv txoj cai no yog tsuas yog txiav txim los ntawm tsuas yog lub hauv paus cov ntaub ntawv thiab tag nrho cov sum pov hwm. Inconsistency raug tus insured npaum li cas thiab lub sij nqi ntawm cov cuab yeej tsuas tshwm sim nyob rau hauv cov theem feem ntau ntawm cov kev tuav pov hwm them nyiaj, uas tej zaum yuav ua rau ib tug txo nyob rau hauv nws loj.

Nyob rau hauv lub rooj plaub uas lub sum pov hwm yog zoo li tus ntawm overpriced, thiab tom qab uas tus kev tshwm sim kev tuav pov hwm txawj ntse tsim hais tias tus tiag tiag nqi ntawm cov cov kwv yog tsim nyog tsawg tshaj li hais, cia li mus them rau tus nqi uas kws txawj tau pom lawv tus kheej tus kheej. Qhov no mob yog qhov uas tsis them nyiaj nyob rau hauv excess ntawm lub sij nqi ntawm cov poob vaj tse yog incorporated rau hauv tag nrho cov kev cai ntawm kev tuav pov hwm ntawm tej khoom thiab tag nrho nyob rau hauv txoj kab nrog kev cai lij choj kev tswj cai. Vim li no, tsis txhob sim mus inflate tiag tiag nqi ntawm lawv tej khoom, raws li nws yuav entail tsis yog zoo caij xwb tsis nce tus nqi.

Nyob rau hauv lub rooj plaub uas lub sum pov hwm underestimate, tab sis qhov tiag tus nqi ntawm cov cuab yeej tom qab qhov kev huam yuaj, kws txawj txiav txim siab, muaj tshwm sim ib proportional kev tuav pov hwm (ib qhov teeb meem nyob rau hauv uas lub pov hwm vaj tse yog Ameslikas tsis nyob rau hauv tag nrho cov nyiaj them cov nqi). Raws li ib tug qhov tseeb, nws dua yuav ua rau ib tug txo nyob rau hauv kev tuav pov hwm them txhua hli.

Hais tias muaj ntau ntau ib qho tseem ceeb yog tus nqi ntawm cov kev tuav pov hwm pab them nqi. Insurance cai yooj yim zog yam muaj ib co kev txwv. Yog li ntawd, nej lub tsev yuav tsuas poob nyob rau hauv cov tib cov kev txwv, thiab kom raug txim nws tsis tau tuaj tawm.

Nco ntsoov xyuas qhov txaus ntshai los ntawm uas insures txoj cai yog yooj yim zog, vim hais tias feem ntau cov kev pab cuam muaj ib tug taag kev pab them nqi (tej zaum yuav tsum vov tsuas yog ib qho uas yuav muaj, thiab lwm yam). Pheej yig nqi no yog tshwm sim los ntawm ib tug tsawg heev tooj ntawm txaus ntshai. Qhov no yuav tsuas yuav tua hluav taws, tub sab tub nyiag, dej nyab, thiab lwm yam Nyob rau hauv cov kev tshwm sim ntawm ob peb lub sij hawm ntawm kev puas tsuaj los yog tub sab tub nyiag tsis them nyiaj rov qab yuav tsuas yog ib, uas yog sau npe nyob rau hauv txoj cai.

Tawm tsam lub backdrop ntawm tag nrho cov cons sau tag nrho cov txheej ntawm cov ntaub ntawv nws tsis zoo li horribly. Xav paub cov lus nug ntawm cov vaj tse qhia cov ntaub ntawv ntawm kev tsim kho thiab finish, lawv square footage thiab tus xov tooj ntawm storeys, cia cov underwriter los txheeb koj xaiv sum pov hwm rau qhov tiag tus nqi ntawm cov qauv, thiab kom tsis txhob muaj kev tsis sib haum nyob rau theem ntawm kev kos npe rau daim ntawv cog lus. Yog li ntawd, siv ib tug me ntsis ntau lub sij hawm nyob rau hauv vaj tse kho mob, namely sau ntxiv kev nyab xeeb, koj yuav tiv thaiv koj tsev los ntawm tag nrho cov tau txaus ntshai.