Ntawv Pov Hwm Ua Tshwj Xeeb Rau Cov Neeg Yug Qaib
PGA Insurance Services pov hwm cov tsev qaib -- qaib nqaij, qaib qe, thiab qaib ntxhw -- hauv Arkansas, Oklahoma, Missouri thiab Texas. Hu ib zaug, hnub ntawd paub tias yuav raug nqi npaum li cas.
Cov Teeb Meem Uas Cov Neeg Yug Qaib Hu Tuaj Nug
Feem coob cov neeg yug qaib tsis tau nrhiav tus neeg muag ntawv pov hwm tshiab. Lawv hu vim lawv daim ntawv qub muaj teeb meem. Nov yog plaub yam uas hnov ntau tshaj.
Cua Daj Cua Dub Deductible Noj Tag Cov Nyiaj
Ntau daim ntawv pov hwm muaj deductible (nyiaj koj them ua ntej) 5-10% rau cua thiab lawg. Rau ib lub tsev qaib, ntawd yog ntau txhiab duas las tawm ntawm koj lub hnab tshos ua ntej ntawv pov hwm them ib xus.
Daus Thiab Dej Khov Tsis Them
Muaj tej daim ntawv tsis them thaum daus hnyav ua rau ru tsev vau. Koj mam paub thaum lub sij hawm phem tshaj -- thaum ru tsev twb vau lawm.
"Koj Lub Tsev Qaib Laus Dhau"
Cov tsev laus raug hais tias tsuas tau nqi qub (ACV) xwb, tsis yog nqi ua dua tshiab. Ntawd yog nyiaj tiag tiag poob thaum muaj kev puas tsuaj.
Nqi Nce, Kev Pov Hwm Tsis Nce
Nqi nce txhua xyoo. Kev pov hwm thiab kev pab nyob li qub, lossis phem zuj zus.
Vim Li Cas Cov Neeg Yug Qaib Xaiv PGA
Special / Open Peril -- Them Txhua Yam
Daim ntawv "named perils" tsuas them cov xwm txheej teev npe xwb. Special / Open Peril ho them txhua yam, tsuas yog tsis them yam uas sau meej tias tsis them.
115% Nqi Ua Dua Tshiab
Yog muaj kev puas tsuaj thiab nqi ua tsev nce lawm, PGA them txog 15% siab dua koj tus nqi teev hauv daim ntawv, pab kom koj ua tau dua tshiab.
Cua/Lawg Deductible Tsuas Yog 2-3%
Piv rau 5-10% uas pom ntau. Deductible qis, koj them tsawg thaum cua daj cua dub los.
Pov Hwm Twj Tsav Puas
Kiv cua, tshuab hluav taws xob (generator), twj pub mov, kav dej, twj cua -- yog puas fais fab lossis puas tshuab, them. $150,000 rau ib zaug puas, $50,000 rau nyiaj poob thaum tos kho, thiab pov hwm generator.
Sib Piv: Ntawv Qub vs. PGA
| Yam | Ntawv Qub | PGA |
|---|---|---|
| Hom Kev Pov Hwm | Named perils xwb | Special / Open Peril |
| Cua/Lawg Deductible | 5-10% | 2-3% |
| Nqi Ua Dua Tshiab | 100% ACV (tsev laus) | 115% RCV |
| Twj Tsav Puas | Tsis muaj | $150K ib zaug |
| Nyiaj Poob | Tsis muaj / kim dhau | Koj xaiv tus nqi / them raws qhov poob tiag / tos 72 teev |
Ua Tsev Qaib Tshiab? Nug Txog Builders Risk
Ntawv pov hwm qub tsis them lub tsev qaib uas tseem ua tsis tau tiav. PGA muaj builders risk tshwj xeeb rau qaib -- daim COI hnub ntawd, kev pov hwm ua ntej lub bank tso nyiaj, thiab 12 lub hlis dhau mus rau daim ntawv PGA mus tas li thaum ua tiav.
Cov Lus Nug
Yog kuv cov tsev qaib laus lawm ne?
PGA them tsev txog 25 xyoo raws nqi ua dua tshiab. Ru tsev 12 xyoos rov saud tsuas tau nqi qub rau ru tsev xwb -- lwm qhov ntawm lub tsev tseem tau nqi ua dua tshiab.
Ntev npaum li cas mam paub nqi?
Hu ib zaug, 10 txog 15 feeb. Peb xav paub muaj pes tsawg lub tsev, ua xyoo twg, yug rau leej twg, thiab koj daim ntawv nyob qhov twg tam sim no. Feem ntau paub nqi hnub ntawd.
Thaum twg kuv hloov tau?
Tam sim no. Hloov tau nruab nrab -- daim qub them cov nqi seem rov qab rau koj.
Thov Paub Nqi Dawb
Sau daim ntawv no, ib tus neeg muaj ntawv tso cai yuav hu rau koj tsis pub dhau ib hnub ua hauj lwm. Lossis hu ncaj qha rau Shaed.
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