Ngokungathandabuzekiyo, indlu yethu yeyona ndawo yobuqu sinayo nesigcina kuyo eyona mpahla yethu ixabisekileyo. Ngenxa yesi sizathu, kufuneka siyikhusele ngokuthatha i-inshorensi esivumela ukuba sizole xa sijamelene naso nasiphi na isiganeko esinokwenzeka. Ngoku kunokwenzeka ukuqesha a i-inshurensi yasekhaya ye-intanethi mbulelo UZurich Klinc, kunye nezisombululo ezibini ezilungiselelwe iimfuno ezahlukeneyo zabaqeshi kunye nabanini apho bavunyelwe khona Yenza ngokwezifiso iitoppings.
Esinye sezizathu ezibangela ukuba i-inshorensi ithande ukubiza imali eninzi kukuba iquka ukhuseleko olungafikeleliyo kwiimfuno zokwenene zekhaya. Ukunqanda oku, ngokusebenzisa Zurich Klinc App Ungayilawula ipolisi yakho yekhaya: yongeza okanye ususe ukhuselo ozikhethelayo okanye uguqule iimali ezikhuselweyo ngokukhululeka nangokulula naphina. Ukongeza, ifumaneka 24/7, 365 iintsuku ngonyaka ngayo nayiphi na imfuno lowo ufakwe kwi-inshorensi anokuba nayo nangaliphi na ixesha.
Zurich Klinc Digital Home Insurance
Xa ukhetha i-inshurensi yasekhaya yedijithali, kufuneka uthathele ingqalelo ukusetyenziswa kwendawo yokuhlala, kuxhomekeke ekubeni yindawo yokuhlala engundoqo okanye ipropati erentwayo.
Los abanini kufuneka bakhethe izinto ezikhusela umgqomo, umxholo kunye noButyala kuLuntu ngokuchasene nomntu wesithathu; ngelixa kwimeko ye baqeshi Bangakhetha uButyala boLuntu kunye nokugubungela umxholo. Kubalulekile ukuvavanya ngokuchanekileyo umxholo (ifenitshala, ubucwebe, imali kunye nezinto zexabiso elikhethekileyo) kunye nesitya sekhaya (ixabiso lepropathi) ukwenzela ukuba kwimeko yeengxaki unokuhlawula ngokwaneleyo.
Kwimeko abanini Ungayikhusela ipropathi yakho nge-inshurensi ye-intanethi kwiingozi ezixhaphakileyo ezinjengomonakalo wombane okanye ezona zinzima kakhulu ezifana nemililo okanye izikhukhula. Ukongeza, i-inshurensi yekhaya iya kukukhusela kumonakalo onokuthi ubangelwe ngabaqeshi.
Nangona ukuthatha i-inshorensi yasekhaya kunyanzelekile kuphela kwimeko yeepropati ezibambiseneyo, i utyalo-mali olucetyiswa kakhulu nto leyo egcina ixesha nemali xa kujongwa izehlo ezixhaphakileyo ezifana nemibhobho eyaphukileyo, ukusilela kombane okanye ukuvuza kunye nokufuma, ukulungiswa kwazo kudla ngokubiza kakhulu.
Kodwa kukwakho nemigaqo-nkqubo yasekhaya eyenzelwe i baqeshi abafuna ukukhusela imixholo yekhaya labo elirentayo ekubiweni okanye ekuqhawukeni okunokwenzeka okanye ukophuka kwayo nayiphi na into yendlu. Ngenxa yokwanda kokuphangwa ngamandla (88.320 kuphela kwikota yokugqibela), ngoko ke kulungele ukuqinisekisa eyona nto ixabisekileyo. Lowo ufakwe kwi-inshorensi usenokuba neenkonzo zomkhandi wokutshixa okanye ulungisa izinto ezingxamisekileyo.
Olunye uloyiko lwabathengi xa bethenga i-inshurensi yasekhaya kukuxhonywa ngeefowuni ezingenakubalwa kunye nokulinda okungapheliyo xa kuvela iingxaki. Ukuthintela oku, kubalulekile ukukhetha inkampani yeinshorensi eyonwabelayo udumo kwaye oko kuqinisekisa uncedo lwe-inshurensi kunye nezisombululo ezikhawulezayo nezisebenzayo kwiziganeko ezingalindelekanga.
Ngamafutshane, ukuthatha i-inshurensi yasekhaya yedijithali inika a ukuguquguquka okukhulu ngocofa nje okumbalwa kwi-smartphone yethu ngaphandle kwemithetho engonwabanga kunye namaphepha. Lutyalo-mali kuxolo lwengqondo kunye noxolo lwengqondo kubo bobabini abaninimzi kunye nabarentayo; kuba kunokwenzeka ukukhusela indlu nayo yonke into ehlala kuyo.
Eli nqaku liphethwe ngu Zurich. Ungajongana nepolisi yethu kwisiqulatho esinegama kunye nobudlelwane neempawu apha.