Kwabaninzi, igadi yabo yiparadesi yabo encinci. Ukongezwa kwekhaya elinamaxesha amnandi okuphumla kunye nokuqhawulwa konxibelelwano, kwaye apho, ngenxa yoko, iinkumbulo zenziwa ... ekungekho mntu ulindele ukuba zigutyungelwe sisaqhwithi okanye ubusela.
Kukho izindlu ezingakumbi nangakumbi, ngakumbi iityala, ezinomhlaba omncinci wokukhulisa iintlobo ngeentlobo zezityalo ukuze uzonwabele. Kunjalo ngoba Kufanelekile ukuba uzibuze ukuba kufanelekile na ukuthatha i-inshurensi yegadi, okanye ubuncinci, fumanisa ukuba i-inshurensi yasekhaya ikwagubungela lo mmandla wento yakho yokusabela neyosapho lwakho.
Ixabiseke kangakanani igadi kuwe?
Igadi yindawo entle. Likhaya apho kulula khona ukuphefumla uxolo noxolo. Ukujonga nje amagqabi ezityalo, ukhangela nayiphi na i-mealybug evukelayo enokuthi izondle okanye ifungus eyonakalisayo ngaphakathi, isebenza ukunqamla iingxaki zomsebenzi nezemihla ngemihla.
Ukongeza, yindawo apho unokuqokelela khona usapho kunye / okanye nabahlobo, umzekelo, ukubhiyozela amatheko okuzalwa okanye isidlo sangokuhlwa. Ngubani omnye ongakonwabeliyo ukuba ngaphandle, ke ukuba 'ngaphandle' kuhlotshiswe ngemithi, izihlahla kunye neentyatyambo, ngaphandle kwefanitshala ezimbalwa zokuphumla, amava aya kuba, ngokuqinisekileyo, amnandi kakhulu.
Ngapha koko, xa uyila enye, enye yezinto zokuqala ekufuneka ucinge ngayo yindlela ofuna ukuyisebenzisa ngayo, kuba, ekugqibeleni, yinto eza kuyinika ixabiso eliza kuba nayo kuwe.
Andibhekiseli kuphela kwixabiso lezinto ezibonakalayo, zefanitshala, imithombo okanye ezinye iintlobo zezinto oza kuzibeka, kodwa kwaneemvakalelo. Ekuqaleni, uhlahlo-lwabiwo mali luyakugqiba, ubukhulu becala, ukuba uthenga ifenitshala eyenziwe ngomthi okanye iplastiki, okanye izityalo ezindala okanye ezincinci. Kodwa njengokuba ixesha lihamba, ixabiso lemvakalelo liya lisomelela, ugqitha umbandela izihlandlo ezininzi.
Oku kuye kucace ngakumbi xa kukho into engalindelekanga eyenzekayo, njengokuphanga okanye imvula enkulu ekhatshwa ngumoya onamandla ovumela imithi iwe egadini. Kucacile ukuba akukho nanye kwezi kulindeleke ukuba yenzeke, kodwa sele besitsho kungcono ukukhusela kunokunyanga, okanye ubuncinci, ukuba kwenzeka into enje, funa uncedo olusivumela ukuba siyisombulule kwaye siqhubeke.
Kwaye kulapho i-inshurensi yasekhaya inokudlala khona (kule webhusayithi unolwazi oluthe kratya).
Kutheni inika umdla into yokuba i-inshurensi yasekhaya igubungela igadi?
Xa uza kuthenga indlu okanye xa sele yenziwe, i-inshurensi yasekhaya iya 'phantse' ngexabiso lendlu. Kwaye nditsho phantse kuba, ngokucacileyo, yinto ogqiba kuyo ukuba uyiqeshe okanye hayi. Kodwa ukuba ugqiba ukukhetha enye, ungathandabuzi ukubuza ukuba igadi yakho ikwagqunywe ngayo.
Kodwa, Yintoni kanye enokuyigubungela? Ewe, inkampani nganye yeinshurensi isebenza ngokwahlukileyo, kodwa ngokubanzi eyona mingcipheko igqunyiweyo. Obu bungozi zezi zilandelayo:
- Umonakalo ngenxa yeziganeko zemozulu: nokuba kungenxa yesichotho okanye ikhephu, izaqhwithi ezinamandla, ... Ezi zingenza umonakalo omkhulu kuzo zombini igadi kwaye, ewe, ifanitshala.
- Ubusela, okt ubusela bezinto ozigcinileyoNgamanye amagama, xa into ithathwa kuwe ngaphandle kwemvume kodwa nangaphandle kobundlobongela, ithathwa ngokuba bubusela.
- Robo: ukuba bathatha into kuwe ngenkani, ngogonyamelo, bayakuphanga.
Ngayiphi na imeko, fumanisa kakuhle kuba kuxhomekeke kumgaqo-nkqubo onikwe ikhontrakthi, unokukhuselwa ngobusela, umzekelo, kodwa hayi ubusela.
Yintoni ekufuneka ithathelwe ingqalelo xa kuqeshwa i-inshurensi ukukhusela igadi?
Azikho iigadi ezimbini ezifanayo. Ezinye zinkulu, ezinye zincinci; ezinye zikwindlu esecaleni, kwaye ezinye zikumaqashiso apho kukho iichacha. Kwakhona, kwezinye kuya kubakho ifanitshala ngakumbi kunamanye. Xa uqesha i-inshurensi, iimpawu kunye nayo yonke into esemhlabeni kufuneka ithathelwe ingqalelo ukuze inkampani ikwazi ukubala ixabiso kubandakanya eyona nto uyifunayo.
Kwaye, ukukunika umbono, igadi inokuba nendawo yeemitha zesikwere ezingama-50 kuphela, kodwa ukuba inezinto zexabiso elikhulu, ixabiso leinshurensi liya kuba phezulu kunokuba igadi iphindwe kathathu kwaye ingeyiyo ayinayo ifanitshala.
Kungoko ke sinethemba lokuba siye sawacacisa amanye amathandabuzo malunga neinshurensi yasekhaya… kunye neinshurensi yegadi