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Ntaub Ntawv Pov Hwm Vaj Tse

Tshooj no yuav los mus qhia txog tuam txhab kev pov hwm vaj tse (home insurance)—yam uas lawv ib txwm pab them tiv thaiv thiab tsis pab them, yam uas cuam tshuam txog cov kev xam nqi, thiab yuav ua li cas thiab nyob rau kis xwm txheej twg uas lawv tuaj yeem thim rov qab los yog tsis ua dua tshiab.

Yam tu ncua txog ntaub ntawv kev pov hwm tsev

Cov kev pov hwm thiab cov chaw pov hwm tej zaum kuj xav hais tias cov ntaub ntawv kuj muaj thiab hais txhua yam li siab xav lawm, tabsis tej lub sijhawm kuj tsis muaj li xav thiab. Thaum koj mus yuav kev pov hwm rau koj lub tsev, tham nrog koj lub chaw ua muag kev pov hwm ntawm txog yam uas koj xav tau thiab hais txog tej yam haud qab no

  • Cov tshuab nqus dej

  • Lub tsev rau tshuab txiav nyom thiab lwm lub tsev uas tsis nyob txuas lub tsev

  • Tej chaw menyuam dhiav thiab tej pas dej da dej

  • Tej nyiaj tej kub, tej yam khoom qub (Saib raws tus nqi, tej zaum koj yuav xav txhab nyiaj ntxiv rau haud kom yam kev pov hwm ntawv thiv thiav txog tej yam no thiab.)

  • Cov chav lis haujlwm hauv tsev lossis chaw ua haujlwm (Koj yuav tsum yuav kev pov hwm ntxiv thiaj pov thaiv tau koj cov khoom yog ib tug neeg qhua raug mob rau hauv koj lub chaw lossis yog cov khoom raug puas tsuaj lossis raug nyiag.)

Yog xav txog tod mas yeej zoo dua

Thaum saib koj daim ntawv pov hwm, yuav tau siv feem nram no los pab koj txiav txim txog cov nyiaj pab pov hwm uas tsim nyog rau koj qhov xav tau.

Txiav txim kom pov thaiv txaus

Sau cov npe khoom siv hauv tsev tseg thiaj yuav pab txiav txim tias koj puas muaj pab kas phais pov thaiv txaus. Yog koj muaj tej yam khoom tshwj xeeb xws li nyiaj kub, koj yuav tsum muaj lwm yam pab kas phais them nqi ntxiv. Koj yuav tau xav txog koj lub tsev rau khoom txiav nyom thiab lub pas dej da dej ua koj muaj nyob nraud zoov. Tej zaum koj li kev pov hwm yuav tsis pov thaiv cov khoom no lossis ua rau koj yuav tau them nuj nqi ntau ntxiv.

Ua rau koj cov nqi yuav tau them tshaj ntxiv thiab txo cov nyiaj nqi them thaws xyoo kom tsawg

Nug lub chaw muag kev pov hwm seb puas muaj cai raug txo cov nqi thiab raug saib xyuas seb koj puas tau them cov nqi tshaj ntxiv thiab txo koj cov nyiaj nqi pab kas phais tsawg.

Kev tshuaj ntsuam xyuas yam muaj pheej hmoo uas yuav tsis zoo rau koj

Ntau zaus dej nyab thiab av qeeg yeej tsis tau txais kev pab them raws li cov pab kas phais ntawm cov tswv tsev lossis cov neeg xauj tsev. Xav txog hom kev puas tsuaj uas muaj pheej hmoo tsis zoo rau koj thiab tham hom kev xaiv. Mus saib hauv www.floodsmart.gov yog xav paub ntxiv txog kev pov hwm txog dej nyab.

Txiav txim cov nqi koj yuav tau them

Cov nqi pov thaiv yog $250,000 zoo li yeej txaus pov thaiv koj lub tsev, tab sis kiag thaum saib koj cov nyiaj so laus, cov nyiaj txuag tseg, thiab tus nqi ntawm koj lub tsev, tej zaum koj xav tau cov nyiaj pov thaiv tshaj cov nyiaj no. Yog kev pom hwm los mus roog tasnrho txua yam koj muaj haud koj tsev tej zaum yam no kuj pab tiv thaiv ntau yam thiab tus nqi uas yuav pab koj tshaj li koj yuav rau yam kev pov hwm nqi. 

Saib xyuas koj cov kev pov hwm pov thaiv txhua lub xyoos

Tej zaum cov tuam txhab kev pov hwm yuav hloov cov cai thaum ntxiv hnub nyoog tshiab, tab sis lawv yuav tsum ceeb toom rau koj ua ntej lawv hloov. Nyeem txhua daim ntawv ceeb toom uas xa tuaj ntawm koj lub tuam txhab kev pov hwm tuaj.

Npaj sau thiab khaws cov npe khoom uas koj muaj nyob haud koj tsev tag nrho

Cov npe khoom siv hauv lub tsev tuaj yeem pab koj tau thaum thov cov nqi pov hwm tom qab koj cov khoom raug puas tsuaj lossis raug nyiag. Tseem ceeb heev yog tias koj sau tseg tej yam koom ua koj muaj no, thaud muaj teeb meem tshwm sim tuaj lawm koj thiaj li mus hais kom lawv ntxiv thiab muab tshiab rau koj yooj yim. Cov lus qhia no yuav pab koj sau cov npe khoom siv hauv tsev tso ua ke tau zoo:

  • Yuav tsum sau txhua yam khoom siv kom tiav, suav txog hom khoom, tus nab npawb lo rau ntawm yam khoom (serial number), thiab tus nab npawb qauv khoom. Kev yees duab cia kuj pab tau zoo.

  • Khaws cov ntawv them nqi cia thiaj tau siv ua pov thawj thaum lawv yuav them cov nyiaj pab kas phais rov qab rau koj.

  • Tshuaj xyuas koj cov cai pab kas phais thiaj paub tias nws pab them dab tsi thiab yam khoom twg uas yuav tau txais pab them ua nyiaj ntsuab lossis raug hloov yam khoom tshiab rau.

  • Cov khoom muaj nqi xws li nyiaj kub, khoom qub, lossis duab kos, koj yuav tau yuav pab kas phais pab them nqi ntxiv -- ib tug neeg caij tsheb -- rau koj cov cai pab kas phais.

  • Kho cov npe khoom siv no txhua xyoo thiab muab cia rau ib qho chaw nyab xeeb, lub thawv thaiv thaum hluav taws kub, lossis muab khaws cia rau hauv online.

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