R\u00ebndom b\u00ebjm\u00eb investime t\u00eb m\u00ebdha p\u00ebr t\u00eb bler\u00eb nj\u00eb banes\u00eb apo nd\u00ebrtuar nj\u00eb sht\u00ebpi me aq mund e p\u00ebr nj\u00eb koh\u00eb t\u00eb gjat\u00eb, nd\u00ebrsa harrojm\u00eb ta sigurojm\u00eb at\u00eb.<\/p>\n
Sigurimi i sht\u00ebpis\u00eb mund\u00ebson q\u00eb p\u00ebr humbjet t\u00eb shkaktuara nga d\u00ebmtime t\u00eb ndryshme t\u2019ju kompensohen humbjet financiare dhe prona juaj t\u00eb kthehet n\u00eb gjendjen para ngjarjes.<\/p>\n
Shqip\u00ebria \u00ebsht\u00eb mjaft e ekspozuar ndaj rreziqeve q\u00eb sjellin ndryshimet klimatike por edhe nj\u00eb zon\u00eb me aktivitet t\u00eb lart\u00eb sizmik ndaj Sigurimi i Sht\u00ebpis\u00eb \u00ebsht\u00eb nj\u00eb nevoj\u00eb e domosdosshme.<\/p>\n
Sigurimi i Sht\u00ebpis\u00eb p\u00ebrfshin disa lloje mbulimi:<\/strong><\/p>\n MBULIMIN E BANES\u00cbS<\/strong>: E gjith\u00eb nd\u00ebrtesa dhe t\u00eb gjitha punimet me mure e me dritare, duke p\u00ebrfshir\u00eb edhe dritaret e bravat, sipas percaktimeve ligjore;<\/p>\n MBULIMIN E PASURIVE PERSONALE<\/strong>: Mobilje, orendi, pajisje\u2026<\/p>\n Nga cilat rreziqe mund t\u00eb sigurohet?<\/strong><\/p>\n Zjarri<\/p>\n Rrufeja<\/p>\n Eksplozioni aksidental q\u00eb shkakton zjarr n\u00eb pron\u00eb<\/p>\n T\u00ebrmeti;<\/p>\n P\u00ebrmbytja, shirat, bresh\u00ebri;<\/p>\n Rrjedhja e tubacioneve t\u00eb ujit t\u00eb shkaktuara nga prishja e tubacioneve nga i ftohti ose mbipresioni i ujit;<\/p>\n Vjedhja me thyerje te masave mbrojtese;<\/p>\n P\u00ebrgjegj\u00ebsin\u00eb ndaj Pal\u00ebve t\u00eb treta (d\u00ebme q\u00eb i shkaktoni pal\u00ebve t\u00eb treta si komshinj ose t\u00eb af\u00ebrm q\u00eb mund t\u00eb jen\u00eb t\u00eb pranish\u00ebm gjat\u00eb nj\u00eb aksidenti brenda sht\u00ebpis\u00eb tuaj).<\/p>\n A \u00ebsht\u00eb nj\u00eb polic\u00eb sigurimi e sht\u00ebpis\u00eb m\u00eb e lir\u00eb, m\u00eb e mir\u00eb?<\/strong><\/p>\n Kur vjen fjala p\u00ebr blerjen e sigurimit t\u00eb sht\u00ebpis\u00eb, a duhet t\u00eb zgjidhni cil\u00ebndo kompani q\u00eb ju del p\u00ebrpara me \u00e7mimin m\u00eb t\u00eb ul\u00ebt t\u00eb sigurimit t\u00eb sht\u00ebpis\u00eb?<\/p>\n Kur ne shkojm\u00eb n\u00eb nj\u00eb dyqan rrobash, \u00ebsht\u00eb e leht\u00eb t\u00eb krahasojm\u00eb nd\u00ebrmjet nj\u00eb trikoje kashmiri kundrejt nj\u00eb trikoje me poliest\u00ebr, por si mund t\u2019i krahasojm\u00eb policat e sigurimit me cil\u00ebsi t\u00eb lart\u00eb, ve\u00e7an\u00ebrisht kur ka kaq shum\u00eb kompani q\u00eb ofrojn\u00eb sigurimin e sht\u00ebpis\u00eb nga t\u00eb cilat ju mund t\u00eb zgjidhni?<\/p>\n Kosto mesatare e sigurimit t\u00eb sht\u00ebpis\u00eb n\u00eb Shqip\u00ebri \u00ebsht\u00eb 1 euro p\u00ebr met\u00ebr katror n\u00eb vit. Por p\u00ebr t\u00eb kuptuar se si t\u00eb zgjidhni sigurimin e nj\u00eb cil\u00ebsie t\u00eb lart\u00eb dhe nj\u00eb police me \u00e7mim t\u00eb mir\u00eb, m\u00eb posht\u00eb do t\u00eb gjeni shpjegimin se si funksionon sigurimi i sht\u00ebpis\u00eb dhe se \u00e7far\u00eb do t\u00eb merrni n\u00eb k\u00ebmbim t\u00eb asaj q\u00eb jeni duke paguar p\u00ebr sigurimin e sht\u00ebpis\u00eb tuaj.<\/p>\n \u00c7far\u00eb e b\u00ebn nj\u00eb polic\u00eb sigurimi unike p\u00ebr ju?<\/strong><\/p>\n \u00c7mimi i sigurimit t\u00eb sht\u00ebpis\u00eb mund t\u00eb varioj\u00eb n\u00eb m\u00ebnyr\u00eb t\u00eb konsiderueshme, n\u00eb var\u00ebsi t\u00eb faktor\u00ebve t\u00eb till\u00eb si gjendja e sht\u00ebpis\u00eb dhe vendndodhja, pjesa e zbritshme e polic\u00ebs, rreziqet e mbuluara q\u00eb mund t\u2019ju nevojiten.<\/p>\n Tre faktor\u00ebt kryesor\u00eb q\u00eb ndikojn\u00eb koston e primeve t\u00eb sigurimit t\u00eb sht\u00ebpis\u00eb:<\/strong><\/p>\n Kushtet e motit dhe n\u00ebntok\u00ebs n\u00eb qytetin tuaj<\/strong>. Qytetet me risk m\u00eb t\u00eb madh t\u00eb katastrofave natyrore p\u00ebrgjith\u00ebsisht kan\u00eb prime m\u00eb t\u00eb larta.<\/p>\n Materialet me t\u00eb cilat \u00ebsht\u00eb nd\u00ebrtuar sht\u00ebpia juaj<\/strong>. Sa m\u00eb shum\u00eb shanse q\u00eb t\u00eb ket\u00eb shembja apo d\u00ebmtimi i sht\u00ebpis\u00eb suaj nga katastrofat natyrore aq m\u00eb i lart\u00eb do t\u00eb jet\u00eb primi i sigurimit t\u00eb sht\u00ebpis\u00eb suaj. Kjo merr n\u00eb llogari \u00e7do gj\u00eb nga materialet e p\u00ebrdorura, p\u00ebr shembull, p\u00ebr \u00e7atin\u00eb, dhe deri tek forma e \u00e7atis\u00eb suaj.<\/p>\n Historia e humbjeve n\u00eb zon\u00ebn ku ju jetoni<\/strong>. Duke qen\u00eb se sigurimi i sht\u00ebpis\u00eb mbulon gjithashtu edhe gj\u00ebrat q\u00eb ju keni n\u00eb zot\u00ebrim, mund\u00ebsia q\u00eb gj\u00ebrat tuaja t\u00eb vidhen do t\u00eb p\u00ebrcaktojn\u00eb gjithashtu edhe riskun tuaj.<\/p>\n Disa aspekte t\u00eb minimizimit t\u00eb riskut:<\/strong><\/p>\n N\u00ebse ju keni sistem mbrojtje ndaj zjarrit, alarm zjarri, ose alarm p\u00ebr hyrje t\u00eb paautorizuar n\u00eb sht\u00ebpi, k\u00ebto mund t\u00eb sh\u00ebrbejn\u00eb si nj\u00eb m\u00ebnyr\u00eb p\u00ebr ulje \u00e7mimi pasi tregon se ju si pronar k\u00ebrkoni q\u00eb t\u00eb ruani sigurin\u00eb e sht\u00ebpis\u00eb suaj dhe k\u00ebshtu ju paraqisni nj\u00eb risk m\u00eb t\u00eb ul\u00ebt p\u00ebr kompanin\u00eb e sigurimit.<\/p>\n Historia e d\u00ebmeve: N\u00ebse ju keni pasur d\u00ebme n\u00eb t\u00eb shkuar\u00ebn, zakonisht \u00e7mimi juaj do t\u00eb rritet p\u00ebrve\u00e7 pjes\u00ebs s\u00eb zbritshme ose n\u00ebse ajo q\u00eb ka ndodhur \u00ebsht\u00eb menaxhuar n\u00ebn kontrollin tuaj.<\/p>\n A jeni gati p\u00ebr t\u00eb bler\u00eb?<\/strong><\/p>\n Gjat\u00eb krahasimit t\u00eb \u00e7mimeve t\u00eb sigurimit t\u00eb sht\u00ebpis\u00eb, krahasoni \u00e7do polic\u00eb n\u00eb detaje p\u00ebrpara marrjes s\u00eb nj\u00eb vendimi, duke p\u00ebrfshir\u00eb pjes\u00ebn e zbritshme, shtesat, apo limitet e mbulimit.<\/p>\n Sigurisht, \u00e7mimi \u00ebsht\u00eb i r\u00ebnd\u00ebsish\u00ebm, por nuk ia vlen q\u00eb t\u00eb blini nj\u00eb polic\u00eb t\u00eb lir\u00eb q\u00eb nuk ju fal paqe mendore dhe garanci financiare.<\/p>\n PSE SIGAL UNIQA?<\/strong><\/p>\n ZGJIDH ONLINE nj\u00eb nga PAKETAT E SIGURIMIT q\u00eb ofron SIGAL UNIQA me vet\u00ebm nj\u00eb klik https:\/\/sigal.com.al\/pasuri-dhe-garanci\/sigurimi-i-prones-dhe-pergjegjesise\/<\/a><\/p>\n\n