Waiwai lapaʻau

Ka manaʻo o "waiwai lapaʻau" ka loaʻa o ka loio i ka wehewehena o ka malu pono o nā pāʻoihana a me kanaka. Insurers hana i kekahi dala lilo, i hele ai i ka uku ana i kekahi lapaʻau koi ana. I kēia lā i ka laulā o insurers hoʻonui, hoʻololi i ka manaʻo o ka "waiwai lapaʻau". He aha ia manawa 'o ia hoʻi?

Ma ka hou paiia o ke kanawai o Insurance hāʻawi waiwai lapaʻau o kanaka e pili ana i ko lakou mau pomaikai ma ka hana, a me ka maikai ana o ka waiwai.

Ka wā i lapaʻau poʻe komo i loko o ka lapaʻau like me na makaainana, ka mea, ua koiia e compensate i ka poho ka mea, kauoha ae la i ka waiwai. Ma kivila aie loaʻa paha kekahi mau ano Gehena.

- ka waiwai akau ;

- kivila kānāwai, a me ke kuleana o na aoao elua e i komo i loko o kivila kānāwai ana i kekahi i kekahi;

- i ka nui o ka aie, ke kaumaha ma muli o ka nui o ke poho, kena ae la ia a me ka pōʻino.

Property lapaʻau hiki ia i loko o nā 'ano apau loa: OAXA a me ka naau mai.

I Ina no ka naau mai ka waiwai lapaʻau ma waena o ka insurer, a me ka hoʻopaʻa waiwai aelike ua i 'ole hoʻokumu rula o ka lapaʻau ma luna o ka muli o nei kanawai. A pau na hana hea i hoakaka ia ma ka palapala.

Inā keia mea i ka muli o lapaʻau o ka waiwai, ka mea pono e nānā 'ia ma ke kānāwai o ke kivila aie. No laila, i kēia 'ano o ka lapaʻau' oe pono e e notarized.

Property lapaʻau - o kekahi o na lala. I kona waiwai a me ka waiwai pono o ke kanawai i loko o ka palapala o ka lapaʻau ana. Mai ka aneiai kuanaʻike, ka waiwai lapaʻau ka uku no ka poho i ia lŘlŘ like me ka hopena o ka hoʻopaʻa waiwai hanana.

Ke policyholder hiki insure kā lākou mau waiwai like maikai me ka waiwai i loko o kona wahi e noho ai, hoʻolilo a me ka pono. Taov hiki e lepo, a me ka lewa kekahi kaʻao ka, ka waiwai, na hale, na holoholona, pono, ulu, mahiʻai a me ka mea 'ē aʻe.

Mea o ka lapaʻau e māheleʻia i loko o ka haleʻo ka lako, na hale, kaa a me nā holoholona. I ka holoholona i hoʻopaʻa waiwai ma ka hihia o ka hihia, me ka hoʻoikaika aku i ka lukuʻia e ka hewa, infectious maʻi a me ke ahi, ka mea, insure i ke kumu o ka puke waiwai io o 70%. Ua Ua ea ae ka hana i ka mea uuku holoholona i hoʻopaʻa waiwai makemake. Ka mea, insure ka piha cia pu me ka 'ole o ka hale a me ka waiwai. Keia ua hanaia ma ka hookaawale waiwai lapaʻau ma luna o ka farmstead.

Inā ka waiwai lapaʻau hele mai i ka hale,? Eeiai oiiaa paha outbuildings, i ka muli o lapaʻau hoʻolako 40% o ko lākou waiwai, e like me ka moku'āina helu a me ka naau mai - 60%.

It E e kaulana i lapaʻau mea ole malalo o ke kālā memo, palapala, moʻolelo i kākau lima, securities, nā huahana i ka mea maikai i eliiaʻi a me antiques.