Impendulo: Kuhle kakhulu ukuba umhloli wendlu yakho angakunika ulwazi olunjalo olukhawulezileyo kunye oluthe ngqo malunga nemeko yezixhobo kunye neenkqubo zekhaya lakho; utyalo-mali. Izixhobo zombane ezigugayo ziyingxaki yokwenene kubathengi abaninzi, njengoko bengakhawulezi bamisele ingxowa-mali kaxakeka ukuxhasa ukulungiswa okanye ukutshintshwa kwezixhobo zombane neenkqubo emva kokuba betyale imali eninzi ekuthengeni nasekulungiseni ikhaya. Kwiimeko ezifana nezakho, iwaranti yendlu yindlela enkulu kwaye engabizi kakhulu yokuqinisekisa ukuba unokuhlawulela ukulungiswa kunye nokutshintshwa kwezinto zombane kunye neenkqubo zobomi bomgaqo-nkqubo ukuba ufunda amaxwebhu ewaranti ngononophelo kwaye uyayiqonda i-coverage. Ngaphandle kwezinto ezimbalwa, iinkqubo ze-HVAC zigqunywa ngokubanzi ngewaranti yasekhaya equka iinkqubo zasekhaya.
Iiwaranti zasekhaya zenzelwe ukugubungela ukuguga okuqhelekileyo kunye nokukrazula kweenkqubo ezigqunyiweyo kunye nezixhobo zombane, kunye nokugcinwa nokulungiswa kokuqhekeka okunxulumene nobudala. Ngamanye amazwi, bagubungela izinto ezingahlawulwanga yi-inshorensi yabaninimzi kuba i-inshorensi yabaninimzi ifuna ukuhlawula umonakalo owenziwe ziingozi, imozulu, umlilo okanye ezinye izinto ezingaphandle. Zeziphi iinkqubo ezigutyungelwe yiwaranti yakho ixhomekeke kuhlobo lwewaranti oyikhethayo; uninzi lweenkampani ezinikezela ngewaranti zibonelela ngemigaqo-nkqubo egubungela izixhobo zombane kuphela (kuquka ikhitshi nempahla yokuhlamba impahla), iinkqubo kuphela (eziquka iinkqubo zendlu yonke ezifana neenkqubo zombane, imibhobho yamanzi, kunye neHVAC), okanye indibaniselwano yezi zimbini. umgaqo-nkqubo obandakanya zombini. Ukuba ucinga ukuba uya kufuna ukhuseleko lwe-inshurensi kwinkqubo yakho ye-HVAC, kufuneka uqinisekise ukuba ukhetha iphakheji yewaranti ebandakanya inkqubo. Ipolisi yakho iya kuchaza ukuba ngawaphi amacandelo achaphazelekayo. Ngokuqhelekileyo, iwaranti ye-HVAC igubungela i-air conditioner esembindini, inkqubo yokufudumeza, ezinye izifudumezi eludongeni kunye nezifudumezi zamanzi. Ezona ziqinisekiso zekhaya ze-HVAC zikwaquka i-ductwork kunye nemibhobho yamanzi, kunye nezixhobo ezilawula inkqubo, njenge-thermostat. Iziqinisekiso zasekhaya azidli ngokugubungela izixhobo zombane eziphathwayo, ngoko ke ukuba ujonge i-inshurensi yokupholisa umoya kwiyunithi yakho yefestile, ingaphandle kwewaranti.
Iwaranti yekhaya ilugubungela njani ulungiso lwe-HVAC? Okokuqala ukhetha iwaranti kwaye uyithenge, ngokuqhelekileyo unyaka we-1 kunye neprimiyamu yonyaka. Funda ikhontrakthi: Ezinye iziqinisekiso zibandakanya ukuhlolwa okucwangcisiweyo okanye ukugcinwa nokuba akukho ngxaki, ukuba ipolisi yakho iyakugubungela oku, kufuneka ucwangcise uhlolo ngoko nangoko. Amaxesha amaninzi, iingxaki ezincinci zinokufunyanwa ngexesha lokucocwa nokugcinwa rhoqo emva koko zilungiswe ngaphambi kokuba zibe ziingxaki ezinzulu. Ukuba unengxaki okanye inkqubo ye-HVAC iyeka ukusebenza kakuhle, uya kuqhagamshelana nenkampani yewaranti ngefowuni okanye nge-portal ye-intanethi ukuze ufake ibango. Inkampani yewaranti iya kuthumela ingcali ukuba ihlole imeko okanye ikwazise ukuba ikontraka oyikhethileyo iyafumaneka ukuze ihlole imeko. Uya kuhlawula umrhumo wokutyelela inkonzo emiselweyo (isixa salo mrhumo sichazwe kwikhontrakthi yakho kwaye ayiyi kutshintsha) kwaye uchwepheshe uya kuvavanya ingxaki aze enze ukulungiswa okufanelekileyo, konke kubandakanywa kwintlawulo yakho yokutyelela inkonzo yeflethi. Ukuba uchwepheshe unquma ukuba inkqubo iphosakele ngaphaya kokulungiswa, uya kuncoma ukutshintsha inkqubo kunye nenkqubo entsha yomthamo olinganayo kunye neendleko (nangona ezinye iinkampani zinika abathengi ithuba lokuphucula inkqubo endala ukuba bazimisele ukuhlawula umahluko). Amalungu asetyenzisiweyo aqinisekisiwe ngaphakathi kwexesha lewaranti.
Enye into ekufuneka uyiqaphele malunga nekhontrakthi kukuba iwaranti ayithethi ukuba unokubiza ikontraki yendawo ukuba ilungise kwaye wenze isigqibo ngokwakho ukuba kukho into efuna ukutshintshwa. Nokuba ukhetha eyakho igcisa okanye ikontraki ixhomekeke kwimiqathango yewaranti yakho. Ezinye iinkampani zinika abathengi inkululeko yokuzikhethela ukuba bafuna ukusebenza nabani, ngelixa abanye benyula igcisa kwiqela leenkampani ezivunyiweyo abakhetha ukusebenzisana nabo ukuze bahlole inkqubo yakho. Oku kunciphisa iindleko kwaye kuqinisekise ukuba amagcisa asebenzisa imigangatho yolondolozo yenkampani yewaranti xa esenza izigqibo zokulungisa okanye zokutshintsha. Ukuba uvumelekile ukuba uzikhethele eyakho igcisa, umsebenzi useya kuthintelwa kukhuseleko oluphezulu lwenkampani yewaranti ngomsebenzi ofunekayo.
Nje ukuba igcisa lifike ekhayeni lakho, liya kuchitha ixesha lijonga amacandelo kunye neenkqubo, kunye nokubonelela ngolondolozo oluyimfuneko kunye nokulungiswa. Isigqibo sokutshintsha endaweni yokulungisa nayiphi na inxalenye okanye inkqubo ixhomekeke kwiikhrayitheriya ezisekwe yingcali kunye nenkampani yewaranti. Zineefomula eziyinkimbinkimbi zokulinganisela iindleko zamalungu kunye nokulungiswa kunye nobomi kunye nemeko yesixhobo okanye inkqubo, kwaye baya kwenza izigqibo ngokusekelwe kwinto eyenza ingqiqo ngokubhekiselele ekusebenzeni kwenkqubo kunye neendleko.
Ngelixa iwaranti yekhaya lakho igubungela ulondolozo oluninzi kunye nokutshintshwa kweenkqubo kunye nezixhobo zombane, kukho ezinye izinto ezingafaniyo ezinokubakhathaza ngakumbi abaninimzi abatsha. Iinkampani ezininzi zesiqinisekiso samakhaya, kwanezona zibalaseleyo, zinexesha lokulinda phakathi komhla wokusayinwa komgaqo-nkqubo kunye nomhla osebenza ngawo. Oku kukuthintela abaninimzi ukuba balinde ukuthenga iwaranti bade bafune uhlengahlengiso olukhulu okanye bazi ukuba inkqubo iza kusilela. Oku kukhusela inkampani yewaranti ekuhlawuleni amawaka eedola ngamabango enziwe ngokholo olubi, kodwa kukwathetha ukuba iingxaki ezenzeka ngexesha lobabalo zisenokungabandakanywa. Ukongeza, iingxaki ebezikho ngaphambi kokuba iwaranti isebenze zisenokungabandakanywa kwiwaranti; Amabango ewaranti anokupheliswa ukuba igcisa lifumanisa ukuba imibhobho yomoya ayicocwanga iminyaka, nto leyo ebangela ukuba ifeni igcwale kwaye yonakalise i-oven kwangethuba.
Ukongeza, iziqinisekiso zekhaya ngokubanzi aziwugubungeli umonakalo okanye ukungasebenzi kakuhle ngenxa yaso nasiphi na isizathu ngaphandle kokuguga okanye ukuguga okuqhelekileyo. Ukuba umbhobho okwigumbi elingaphantsi uyagqabhuka kwaye wonakalise isomisi, iwaranti ayiyi kuthatha indawo yokomisa, kodwa i-inshurensi yabaninikhaya bakho (egubungela umonakalo) iya kuthatha indawo yayo emva kokuba uhlawule i-deductible. Ukuba inkqubo yakho ye-HVAC iyasilela ngenxa yesiphaluka esifutshane ngexesha lesiphango, i-inshurensi yomninimzi wakho inokukugubungela oku, kodwa iwaranti ayinakuyigubungela.
Le migaqo-nkqubo yenzelwe ukujongana nokunxitywa nokukrazuka okunxulumene nobudala, kodwa bacingela ukuba ulondolozo olusisiseko lwenziwe kwaye izixhobo okanye iisistim azikhange zingahoywa. Ukuba ingcali iza kwaye inqume ukuba yonke inkqubo ayiphumelelanga ngenxa yokuba isihluzo asizange sitshintshwe okanye imibhobho ayizange ihlambuluke, ukusilela akunakugqunywa ngenxa yokuba kubangelwa ukungakhathali kunye nokungakhathali okuqhelekileyo. Ukuba uthenga ikhaya elitsha, luluvo oluhle ukucela umthengisi ukuba akunike iirisithi kunye nawo nawaphi na amaxwebhu esondlo, okanye ugcine iirekhodi zakho ukuze ubonise ukuba ulondolozo olusisiseko lwenziwe ukuxhasa ibango lakho lewaranti. Ukuba uzama ukufumanisa ukuba ungasifumana njani iwaranti ye-air conditioner okanye ibhoyila endaweni yewaranti yasekhaya, ukukwazi ukubonakalisa ukuba usebenzele inkqubo yakho ixesha elide phambi kokuba isilele kuya kuhamba indlela ende eya empumelelweni.
Nje ukuba ube newaranti, kuya kuba lula kuwe ukucwangcisa ukugcinwa rhoqo kunye nolungiso olukhawulezileyo, oluya kwandisa ubomi benkqubo yakho ye-HVAC. Ngapha koko, ukugcinwa rhoqo yeyona ndlela yokwandisa ubomi benkqubo yakho ye-HVAC, nokuba oko kuthetha ugcino olunokwenziwa ngabaninimzi, njengokutshintsha izihluzi rhoqo kunye nokugcina iithermostats zingenathuli, okanye ukucocwa nokutshekishwa konyaka. ukuqinisekisa ukuba yonke into ihamba kakuhle. Ukuba inkonzo yakho ayikahlaziywa ngokupheleleyo okwangoku, qala ukucwangcisa ngokukhawuleza. Umgangatho womoya kunye nenkqubo ye-HVAC iya kukubulela, kwaye iwaranti iya kuba sisixhobo esiluncedo ngakumbi.
Xa uthenga ikhaya, naziphi na iindleko ezongezelelweyo zinokuba ziindiza zokugqibela. Iwaranti yendlu ifuna iindleko ezongezelelweyo zangaphambili. Kodwa qwalasela oku: Ixabisa malini umnxeba wenkonzo yeHVAC eqhelekileyo? Kunzima ukuxela kuba okuninzi kuxhomekeke ekubeni yintoni ingxaki, ukuba loo nxalenye iya kuxabisa malini na, ukuba ukulungiswa kuya kuthatha ixesha elingakanani, kwaye igcisa liya kongezelela malini kwityala. Iziqinisekiso zezindlu azibizi njengoko unokucinga, nangona ziyahluka ngokuxhomekeke kuhlobo lokhuselo olukhethayo. Inkonzo esisigxina ibiza i-avareji phakathi kwe-$ 75 kunye ne-$ 125, kwaye unokugcina ngokwaneleyo ukuhlawula iindleko zewaranti yonke kutyelelo nje olumbalwa. Ukuba ufuna ukutshintsha isixokelelwano okanye isixhobo esikhuselweyo, uya konga imali eninzi kuba iindleko zokutshintsha zibandakanyiwe kwiindleko zomnxeba wenkonzo. Ngapha koko, uninzi lwabaninimzi bachitha phakathi kwe-3,699 yeedola kunye ne-7,152 yeedola ukubuyisela inkqubo yabo yokupholisa umoya.
Ukongeza ekuboneleleni ngeendleko ezisisigxina zokulungiswa, iwaranti yekhaya inokukugcina imali ngokuvumela iingxaki ezincinci ukuba zilungiswe. Ukuba i-air conditioner yakho ayiligcini ikhaya lakho lipholile njengoko unako nge-thermostat, ungayihoyi, ucinga ukuba yizidanga ezimbalwa kwaye akufanele ubize ikontraki. Le ngxaki incinci, ukuba ishiywe ingahoywanga, inokujika ibe yingxaki enkulu eya kuba kubiza kakhulu ukuyilungisa. Ukwazi ukuba iindleko zomnxeba wenkonzo zihlawulelwa yiwaranti yakho yekhaya, unokufowunela ukulungiswa ngokuzithemba usazi ukuba ungayifaka kwibhajethi yakho kwaye ulungise iingxaki ngaphambi kokuba zenzeke.
Ekuhambeni kwexesha, ugcino lwakho luya kuba ngaphaya kweendleko zotyalo-mali lwakho lokuqala kunye nokugcinwa kwazo, ngakumbi ukuba usebenzisa ngokupheleleyo iwaranti.
Ngaphambi kokuba usayine nayiphi na ikhontrakthi, kufuneka uqinisekise ukuba uyayazi into oyithembisayo. Oku kubaluleke kakhulu kwiziqinisekiso zekhaya. Ekubeni zigubungela kuphela oko kuchaziweyo kwikhontrakthi, kubaluleke kakhulu ukuqonda ukuba yintoni na engekhoyo. Funda umbhalo omhle; ukuphonononga ngaphandle, okushiyiweyo, kunye nemiqathango; uzive ukhululekile ukubuza i-arhente eya kukunceda ukuba kukho imfuneko. Izikhalazo zewaranti zihlala zisisiphumo sokunganeliseki kwabathengi ngeemveliso ezibizayo, ezingaphandle kwewaranti.
Ezona zikontraki zewaranti ye-HVAC ziya kukuxelela into ekufuneka uyazi ukunqanda oku kuphoxeka, ke funda ngononophelo kwaye ukuba nantoni na ebalulekileyo ayigqunywanga unokwenza uphando lwakho ngaphambi kokuba uthathe naliphi na inyathelo.
Ixesha lokuposa: Aug-30-2023