Ukuzulazula kwihlabathi le-inshurensi yasekhaya kunokuba ngumsebenzi onzima kuye nawuphi na umnini wepropathi, kodwa kuye kube nzima ngakumbi xa ungumnikazi wepropati ngaphakathi kweskimu sestrata. I-inshurensi ye-Strata, imfuneko enyanzelekileyo kwimimandla emininzi, ikhusela iindawo ekwabelwana ngazo kunye nezakhiwo ngaphakathi kwepropati enesihloko esiphantsi. Nangona kunjalo, abanikazi bezindlu ezizimeleyo kufuneka baqwalasele iimfuno zabo zokukhusela ukuqinisekisa ukhuseleko olubanzi. Kwesi sikhokelo, singena kwi-intricacies ye-inshurensi ye-strata kwaye sinikezela ngengqiqo ebalulekileyo kubanini bezindlu ze-strata ukuba benze izigqibo ezinolwazi malunga nokhuseleko lwabo.
Isiqulatho
Ukuqonda i-Inshurensi ye-Strata: Isikhokelo esiBanzi
I-inshurensi ye-Strata luhlobo olukhethekileyo lwe-inshurensi eyenzelwe ukukhusela ipropathi eqhelekileyo kunye neendawo ekwabelwana ngazo ngaphakathi kwesakhiwo esinesihloko esinesihloko esinesakhiwo okanye ikhompleksi. Oku kubandakanya izakhi ezifana nophahla, iindonga, kunye nemigangatho, kunye nezinto eziluncedo ekwabelwana ngazo ezifana namadama okuqubha, iindawo zokuzilolonga, kunye nezitiya. I-inshorensi idla ngokucwangciswa yi-strata corporation okanye ikomiti yabanini, kwaye iindleko zidla ngokwahlulwa phakathi kwabanini-yunithi njengenxalenye yentlawulo yabo yestrata. Eyona njongo iphambili ye-inshurensi yestrata kukukhusela umdla ohlangeneyo wabo bonke abanini-yunithi ngokuqinisekisa ukuba ipropati yomntu wonke ikhuselwe ngokufanelekileyo kumngcipheko ofana nomlilo, umonakalo wesaqhwithi, kunye namabango etyala.
Ukuqonda ububanzi kunye nokunciphisa i-inshurensi yestrata kubalulekile kubanini beestrata. Ngelixa le inshorensi ibandakanya uluhlu olubanzi lweemeko, ayinwebeki kwiziqulatho ezingaphakathi kweeyunithi zomntu okanye uxanduva lomntu. Oku kuthetha ukuba ngelixa ulwakhiwo lwesakhiwo kunye neendawo ekwabelwana ngazo zikhuselwe nge-inshorensi, izinto zomntu kunye nazo naziphi na izilungiso ezenziweyo kwiiyunithi zomntu ngamnye azifakwanga phantsi komgaqo-nkqubo westrata. Abanini be-Strata kufuneka, ke ngoko, bacinge ngokuthatha i-inshorensi eyongezelelweyo ukukhusela iimpahla zabo zobuqu kunye naluphi na uphuculo abalwenzileyo kwiyunithi yabo. Le ndlela imbini iqinisekisa ukhuseleko olubanzi kunye noxolo lwengqondo kubanini bezindlu ezicwangcisiweyo.
Ukuqonda okuBalulekileyo kuMgqubuthela wabanini zindlu baseStrata
Kubanikazi bezindlu ze-strata, kubalulekile ukuqonda umahluko phakathi kwe-inshurensi ye-strata kunye ne-inshurensi yasekhaya. I-inshurensi ye-Strata igubungela isakhiwo kunye neendawo eziqhelekileyo, kodwa luxanduva lomninimzi ngamnye ukuba aqinisekise imixholo yeyunithi kunye naluphi na uxanduva lomntu. Oku kuthetha ukuba ukuba umlilo okanye enye intlekele yonakalise icandelo lakho elingaphakathi okanye izinto zakho zobuqu, i-inshurensi yestrata ayisayi kuyihlawula le lahleko. Ngoko ke, ukufumana ipolisi ye-inshorensi yesiqulatho echaphazela ngokukodwa le mingcipheko linyathelo elibalulekileyo kubanini-zindlu abakumgangatho ophantsi.
Ukongeza, abanini-zindlu be-strata kufuneka bahlole ukuba ngaba bafuna ukhuseleko lwalo naluphi na uphuculo okanye ukulungiswa okwenziwe kwiyunithi yabo. Abaninimzi abaninzi benza uhlengahlengiso kwiindawo zabo zokuhlala, njengokufakela amakhitshi amatsha okanye amagumbi okuhlambela, asenokungagqunywanga ngumgaqo-nkqubo we-inshurensi westrata. Ipolisi ye-inshorensi eyahlukileyo, edla ngokubizwa ngokuba ngumnini-mhlaba okanye i-inshurensi yekhaya neziqulatho, inokubonelela ngokhuseleko kwezi zongezo. Oku kuqinisekisa ukuba naluphi na utyalo-mali olwenziwayo ekuphuculeni okanye ekuphuculeni iyunithi yakho lukhuselwe, kunceda ukunciphisa ilahleko yemali enokubakho kwimeko yomonakalo ongalindelekanga okanye iintlekele.
I-inshorensi ye-Strata idlala indima ebalulekileyo ekukhuseleni imidla ekwabelwana ngayo yabanini-propati ngaphakathi kweskim sestrata, kodwa iyinxalenye kuphela yenxaki yokuhlawulela ngokubanzi. Abanini bezindlu ze-Strata kufuneka bakhuthale ekuqondeni ubungakanani bokhuseleko lwabo kunye nokuchonga naziphi na izikhewu ekufuneka zizaliswe ngemigaqo-nkqubo ye-inshorensi eyongezelelweyo. Ngokukhusela iziqulatho zobuqu kunye ne-inshurensi yetyala, kunye nokhuseleko lokuphuculwa kweeyunithi, abanini bestrata banokonwabela uxolo lwengqondo besazi ukuba bakhuselwe ngokupheleleyo. Njengaso nasiphi na isigqibo se-inshurensi, ukubonisana neengcali ze-inshurensi kunye nokuphonononga iinkcukacha zepolisi kuyacetyiswa ukuze kuqinisekiswe ukhuseleko olufanelekileyo kwimeko yakho eyodwa.
Jonga enye yethu izithuba blog ngolwazi ngezihloko ezahlukeneyo.
Imibuzo ebuzwa qho:
Imibuzo Ebuzwa Rhoqo malunga ne-Inshurensi ye-Strata kubanini bezindlu
1. Yintoni i-inshurensi yestrata?
I-inshurensi ye-Strata luhlobo lwe-inshurensi eyilelwe ukukhusela imimandla ekwabelwana ngayo kunye nezakhiwo zepropati ngaphakathi kweskimu sestrata, njengeepaseji, uphahla, iindonga kunye nezibonelelo eziqhelekileyo.
2. Ngubani onoxanduva lwe-inshurensi yestrata?
I-strata corporation okanye ikomiti yabanini idla ngokuba noxanduva lokucwangcisa i-inshurensi yestrata, kwaye iindleko zohlulwe phakathi kwabanini-yunithi njengenxalenye yentlawulo yabo yestrata.
3. Ingaba i-inshurensi yestrata ikhusela ntoni?
I-inshorensi ye-Strata ibandakanya ipropathi eqhelekileyo kunye nezakhiwo zepropathi enesihloko esiphantsi, ikhusela imingcipheko efana nomlilo, umonakalo wesiphango, kunye namabango oxanduva lweendawo ekwabelwana ngazo.
4. Ngaba i-inshurensi yestrata ihlawulela izinto zam?
Hayi, i-inshurensi yestrata ayiquki izinto zomntu ngaphakathi kweeyunithi zomntu ngamnye. Abaninimzi bafanele bafumane i-inshurensi yesiqulatho esahlukileyo kwizinto zabo.
5. Yintoni engahlawulwanga yi-inshurensi yestrata?
I-inshurensi ye-Strata ayiquki ipropathi yomntu ngaphakathi kweeyunithi zomntu ngamnye, uphuculo olwenziwe kwiiyunithi, okanye uxanduva lobuqu kubanini-yunithi.
6. Ngaba ndiyayidinga i-inshurensi yeziqulatho njengomnini-ndlu westrata?
Ewe, i-inshurensi yesiqulatho iyacetyiswa kubanini-zindlu be-strata ukuba bahlawule izinto zabo zobuqu kunye nezinto zangaphakathi ezingenayo i-inshurensi yestrata.
7. Ndingalifaka ibango lomonakalo kumbindi weyunithi yam phantsi kwe-inshurensi yestrata?
I-inshurensi ye-Strata ayisoloko ibandakanya izinto zangaphakathi ngaphakathi kweeyunithi zomntu ngamnye. Ukhuseleko olwahlukileyo luyafuneka kulo naluphi na uphuculo okanye uhlengahlengiso lomntu.
8. Yeyiphi imizekelo yepropathi eqhelekileyo ehlawulwa yi-inshurensi yestrata?
Ipropathi eqhelekileyo ibandakanya iindawo ekwabelwana ngazo ezifana nophahla, iindonga, iipaseji, amachibi okuqubha, iindawo zokuzilolonga, kunye nezitiya, zonke ezigutyungelwe yi-inshurensi yestrata.
9. Loluphi uhlobo lwe-inshurensi ekhusela uhlengahlengiso kwiyunithi yam?
Abanini bezindlu zeStrata banokufumana i-inshurensi eyongezelelweyo, edla ngokubizwa ngokuba yi-inshurensi yomnini-mhlaba okanye yekhaya kunye neziqulatho ze-inshurensi, ukuhlawula uhlengahlengiso okanye uphuculo kwiyunithi yabo.
10. Ngaba i-inshurensi yestrata inyanzelekile?
Kwimimandla emininzi, i-inshurensi yestrata ifunwa ngumthetho ukukhusela ipropathi ekwabelwana ngayo kunye neendawo eziqhelekileyo ngaphakathi kwestrata complex.
11. Zihlawulwa njani izavenge zeinshorensi yestrata?
Iintlawulo ze-inshorensi ze-Strata zidla ngokuhlawulwa yi-strata corporation kwaye zahlulwe phakathi kwabanini-yunithi njengenxalenye yentlawulo yabo eqhelekileyo yestrata.
12. Abanini bezindlu eziziistrata banokuqinisekisa njani ukhuseleko olupheleleyo?
Abanini bezindlu ze-Strata kufuneka bafumane i-inshurensi yesiqulatho esahlukileyo kwaye bacinge nge-inshorensi yokuphuculwa kweyunithi ukuqinisekisa ukuba bakhuselwe ngokupheleleyo.
13. Ngaba i-inshurensi yestrata ihlawulela iintlekele zendalo?
Iipolisi ze-inshorensi ze-Strata zihlala zibandakanya ukhuseleko lweentlekele zendalo ezifana nezaqhwithi okanye imililo, kodwa iinkcukacha ezithile zokhuseleko ziyahluka ngokomgaqo-nkqubo.
14. Kuthekani ukuba iyunithi yam yonakaliswe kukuvuza kwamanzi?
Ukuba ukuvuza kuvela kwipropathi eqhelekileyo, i-inshurensi yestrata inokuhlawulela ukulungiswa. Nangona kunjalo, ukuba umonakalo ungaphakathi kwiyunithi yakho, i-inshurensi yomntu ingafuneka.
15. Ngaba i-inshurensi yestrata ibandakanya ukhuseleko lwetyala?
Ewe, i-inshurensi yestrata isoloko ibandakanya ukuhlawulelwa kokwenzakala okwenzeka kwipropathi ekwabelwana ngayo, ikhusela bonke abanini-yunithi kumabango etyala.
16. Ingaba iifestile zigqunyiwe phantsi kwe-inshurensi yestrata?
Kwezinye iimeko, i-inshurensi yestrata igubungela iifestile njengenxalenye yesakhiwo sesakhiwo. Nangona kunjalo, ukhuseleko lunokwahluka, ke jonga ngeenkcukacha zakho zepolisi yestrata.
17. Ngaba kukho umahluko phakathi kwestrata kunye ne-inshurensi yasekhaya?
Ewe, i-inshurensi yestrata ibandakanya ipropathi ekwabelwana ngayo kunye nezakhiwo, ngelixa i-inshurensi yekhaya igxile kumxholo weyunithi kunye noxanduva lomntu.
18. Livavanywa njani ixabiso lepropati yestrata?
Uqingqo-maxabiso lobuchwephesha lwenziwa ukumisela ixabiso lokutshintshwa kwesakhiwo kunye neendawo eziqhelekileyo zokhuseleko lwe-inshurensi yestrata.
19. Ndingenza ntoni ukuba ndinebango le-inshurensi yestrata?
Qhagamshelana ne-strata corporation okanye ikomiti yakho, njengoko ibamba amabango anxulumene ne-inshurensi yestrata. Amabango omntu kufuneka ahambe kwiipolisi ze-inshurensi zomntu ngamnye.
20. I-inshurensi yestrata indinceda njani njengomninimzi?
I-inshorensi yeStrata iqinisekisa ukuba ipropati ekwabelwana ngayo kunye nesakhiwo sesakhiwo sikhuselekile, inika uxolo lwengqondo kunye nokhuseleko lwezemali kubo bonke abanini-yunithi.
21. Ngaba i-inshurensi yestrata ikhusela uhlaselo lwezinambuzane?
Uninzi lwemigaqo-nkqubo ye-inshorensi yestrata ayiquki uhlaselo lwezinambuzane, ngoko ke kungcono ukujonga ipolisi yakho ngeenkcukacha.
22. Ngaba ndingaphucula i-inshorensi yam yestrata?
I-strata corporation imisela amanqanaba okhuseleko, kodwa unokongeza i-inshorensi yakho kunye nemigaqo-nkqubo ye-inshurensi eyongezelelweyo yokhuseleko olupheleleyo.
23. Ngubani owenza isigqibo ngenqanaba le-inshurensi yestrata?
I-strata corporation okanye ikomiti yabanini ngokuqhelekileyo ithatha isigqibo ngenqanaba lokhuseleko ngokusekelwe kwiimfuno zepropati kunye neemfuno zomthetho.
24. Ngaba i-inshorensi yestrata ihlawula ilahleko yomvuzo wokurenta?
I-inshurensi ye-Strata ayinakuhlawulela ilahleko yengeniso yerenti, kodwa ezinye iipolisi ze-inshurensi zomnini-mhlaba zibonelela ngolu hlobo lwe-inshorensi yeepropati ezirentwayo.
25. Ngaba izavenge zeinshorensi yestrata zinganyuka?
Ewe, iipremiyamu zinokunyuka ngokusekelwe kwizinto ezifana noqingqo-maxabiso lwepropati, imbali yamabango, kunye notshintsho kwiimfuno zokhuselo.
26. Kufuneka kuhlaziywe kangaphi i-inshurensi yestrata?
Kuyacetyiswa ukuba kuphononongwe i-inshurensi yestrata qho ngonyaka ukuze kuqinisekiswe amanqanaba afanelekileyo okhuselo lwepropati kunye nazo naziphi na izibonelelo ekwabelwana ngazo.
27. Ngaba i-inshurensi yestrata iyawukhusela umonakalo owenziwe zizikhukula?
Ukhuseleko lomonakalo wezikhukula luyohluka ngokwepolisi, ngoko ke kubalulekile ukuba uqinisekise imiqathango ethile ye-inshurensi yestrata.
28. Ngubani endinokuqhagamshelana naye ukuba ndinemibuzo malunga ne-inshurensi yestrata?
Ungabonisana nekomiti yakho yestrata, umphathi wepropathi, okanye umboneleli weinshurensi ngolwazi oluthe kratya malunga nokhuseleko lwe-inshurensi yestrata.
29. Ndingaphuma ekuhlawuleleni i-inshurensi yestrata?
Hayi, i-inshurensi yestrata yindleko enyanzelekileyo eyahlulwe phakathi kwabo bonke abanini beeyunithi, kwaye ukuphuma akuvumelekanga ngokubanzi.
30. Ngaba i-inshurensi yestrata iyawukhusela umonakalo wokungunda?
Ukhuseleko lomonakalo womngundo lunokwahluka, ngoko ke kubalulekile ukujonga iinkcukacha zepolisi yakho yeinshorensi yestrata ukuze ibandakanywe kunye nokukhutshelwa ngaphandle.
31. Ndingaqinisekisa njani ukuba izinto zam zobuqu zi-inshoriwe?
Ukuhlawula izinto zobuqu, abanini-zindlu ngokwestrata bafanele bathenge ipolisi ye-inshorensi yesiqulatho engqamene neyunithi kunye nezinto zabo.
32. Ziziphi iintlobo zophuculo ezihlawulwa yi-inshorensi yobuqu?
I-inshurensi yobuqu inokugubungela uphuculo olufana neekhikhithi eziphuculweyo, amagumbi okuhlambela, okanye umgangatho, ezingaqukwanga kwiinshurensi yestrata.
33. Ngaba i-inshurensi yestrata iyawukhusela umonakalo owenziwe kukonakaliswa kwempahla?
I-inshorensi ye-Strata isoloko ibandakanya ukuhlawulelwa ukonakaliswa kwempahla kwiindawo eziqhelekileyo, nangona ukhuseleko lweyunithi yobuqu lunokufuna ukhuseleko olongezelelweyo.
34. Ngaba kukho ukutsalwa kwemali kumabango e-inshurensi yestrata?
Ewe, iipolisi ezininzi ze-inshurensi zinokukhutshwa, kwaye isixa-mali sinokuhluka ngokusekelwe kwipolisi kunye nohlobo lwebango.
35. Lusingathwa njani ityala kwiindawo ekwabelwana ngazo?
I-inshurensi ye-Strata idla ngokubandakanya uxanduva lokonzakala olwenzeka kwiindawo ekwabelwana ngazo, ukukhusela umdla ohlangeneyo wabanini-yunithi.
36. Ndazi njani ukuba uhlaziyo lwam lugqunyiwe?
Qhagamshelana nepolisi yakho ye-inshorensi yobuqu ukuze ubone ukuba ngaba uhlaziyo oluthile luyagqunywa na, njengoko i-inshurensi yestrata ingakhuphi uhlaziyo olungqamene neyunithi.
37. Ndingazikhethela eyam i-inshorensi yokhuseleko lomntu?
Ewe, abanini-zindlu be-strata banokukhetha umboneleli wabo we-inshurensi
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