ʻInikua kaʻa: 6 ʻano o ka uhi ʻana ma US
Nā mea
He mea koʻikoʻi ka loaʻa ʻana o ka ʻinikua kaʻa, no laila pono ʻoe e makaʻala i nā ʻano ʻinikua 6 ma ʻAmelika Hui Pū ʻIa, mai ka maʻalahi a hiki i ka mea pale i ka ʻaihue o kāu kaʻa.
Loaʻa ka loaʻa ʻana o ke kaʻa me ka nui o ke kuleana, ʻo ia ke kumu he mea nui ka loaʻa ʻana o ka ʻinikua kaʻa, no laila i kēia manawa e kamaʻilio mākou e pili ana i 6 mau ʻano o ka uhi ʻana ma US.
A e like me kou nānā pono ʻana i nā kikoʻī i ke kūʻai ʻana i kaʻa, pono ʻoe e hoʻokomo i ka hoʻoikaika like a ʻoi aku paha e kūʻai i kāu ʻinikua kaʻa.
Ma muli o ko mākou koi ʻana i ka loaʻa ʻana a me ka hoʻokele kaʻa, he kuleana nui ia, ʻo ia hoʻi, loaʻa iā ʻoe ka ʻinikua kaʻa, no ka mea ma kēia ala e mākaukau ai ʻoe no kekahi pōʻino e hiki mai ana i kāu kaʻa a i ʻole inā ʻoe ma hope o ka hoʻokele. huila.
A ʻaʻole ʻo ia wale nō, akā no nā poʻe ʻekolu i hōʻeha ʻia i kahi pōʻino me kāu kaʻa, ʻoiai ʻo ka ʻinikua e uhi i nā koina hoʻokele waiwai a me ke olakino.
ʻO ia ke kumu he mea nui e ʻike ʻoe i nā uhi i loaʻa i ka mākeke ʻinikua i hiki iā ʻoe ke kūʻai i nā mea i kūpono iā ʻoe.
ʻO ka 'inikua me ka ʻaihue o kāu kaʻa
No laila, e noʻonoʻo pono i nā ʻano ʻeono o ka ʻinikua kaʻa i ʻAmelika Hui Pū ʻIa i hiki iā ʻoe ke koho i nā mea e hāʻawi iā ʻoe i nā pōmaikaʻi nui loa a no laila e pale ʻia mai nā pōʻino a hiki mai.
ʻO ka mea mua, ʻo ka hapa nui o nā mokuʻāina e koi i nā kaʻa e hoʻopaʻa ʻia i mea e hiki ai ke holo.
No laila ʻaʻole hiki iā ʻoe ke pale i kēia kuleana mua, inā ʻaʻole e kau ʻia ʻoe i nā hoʻopaʻi a me nā uku mai nā luna mokuʻāina.
Eia kekahi, aia nā kumu ʻē aʻe e loaʻa ai ka ʻinikua kaʻa no ʻoe iho a no ʻoe iho, no ka mea inā loaʻa kekahi ulia, e uhi ka ʻinikua i nā koina.
Hiki i ka 'inikua kaʻa ke mālama i nā pōʻino āu i hana ai i kahi kaʻa ʻē aʻe, a i ʻole ʻoe e hōʻeha i nā poʻe ʻē aʻe, e uhi ka mea hoʻolako i nā koina olakino.
A ʻaʻole ʻo ia wale nō, ʻo ka loaʻa ʻana o ka ʻinikua e hōʻoiaʻiʻo iā ʻoe i ka uku no ka pōʻino i hana ʻia e kekahi kaʻa ʻē aʻe.
ʻO ia ke kumu e kamaʻilio ai mākou e pili ana i nā ʻano mea koʻikoʻi 6 o ka uhi ʻana ke ʻimi nei ʻoe e kūʻai i ka ʻinikua kaʻa ma ʻAmelika Hui Pū ʻIa.
Kuleana no ka poino i ka waiwai
Ma kēia hihia, inā hoʻokau ʻoe i kahi ulia kaʻa a hoʻopōʻino i nā kaʻa ʻē aʻe a i ʻole nā waiwai, lehulehu a pilikino paha, uhi kāu ʻinikua i kēlā mau koina.
ʻOiai inā e ʻeha kekahi a i ʻole kekahi poʻe, e uku ke kulekele no nā lilo olakino inā ʻoe i hewa.
Kuihe
ʻO ke ʻano o kēia ʻano hoʻopiʻi, ʻo nā kumukūʻai i uhi ʻia e ka ʻinikua e pili wale i ka pōʻino o nā kaʻa i ka wā o ka hui ʻana, akā ʻaʻole i nā hōʻeha i nā mea hoʻokele.
Hoʻohana ʻia kahi deductible ma aneʻi, ma muli o ka pākēneka i noi ʻia e kāu ʻinikua.
Ke kuleana no ka ʻeha kino
Hoʻohana ʻia kēia uhi no ka uhi ʻana i nā lilo lapaʻau o nā mea hoʻokele a me nā mea kaʻa e pili ana i ka wā e hoʻopilikia ai ʻoe i kāu kaʻa.
'inikua pono lapaʻau a i ʻole ka pale ʻeha
Ua like loa kēia uhi me ka mea ma mua, akā i kēia hihia, ʻo nā kumukūʻai i uhi ʻia e ke kulekele ʻinikua no ʻoe a me kāu poʻe kaʻa i ka wā o kahi ulia pōpilikia a koi i ka mālama olakino.
Kūlike ʻole
Aia kekahi uhi piha i kapa ʻia ʻo Comprehensive Coverage a e like me ka manaʻo o ka inoa, e uhi ka ʻinikua i ka hapa nui o nā kūlana kahi e pili ai kāu kaʻa.
ʻO ia hoʻi, ʻo ka ʻinikua ke kuleana no ka ʻaihue ʻana o kāu kaʻa, a me ka pōʻino i hana ʻia e nā pōʻino kūlohelohe.
ʻAʻole ʻo ia wale nō, akā ʻo ka ʻinikua hoʻi ke kuleana no nā hana ʻino i hiki ke ʻike ʻia i kāu kaʻa, me nā hihia i ʻōlelo ʻia ma ka ʻinikua mua.
No laila ʻike ʻoe i ka mea e noʻonoʻo ai i ke kūʻai ʻana i ka ʻinikua kaʻa.
Makemake paha ʻoe e heluhelu:
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