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Your search for information about insurance when building your own house is successful! 您的搜索如需保險時，建設自己的房屋，是成功的！ All the details and information related to insurance when building your own house are here! 所有細節和相關信息保險時，建設自己的房屋，在這裡！ Building your own home is a common dream for aspiring homeowners, but be aware that this is a dream that comes with lots of conditions.建設自己的家是一個共同的夢想，為有志的業主，但都知道，這是一個夢想，隨之而來的很多條件。 It's also easier said than done, and one of those things that make building your home a more difficult goal to achieve is obtaining the appropriate insurance for it.這也是說起來容易，做和的事情之一，使您的家庭建設一個更困難的目標，實現的是獲得適當的保險。 
Tips for Obtaining Insurance When Building Your Own House 提示取得保險時，建設自己的房子 Credentials and Qualifications 全權證書和學歷 Do you have the necessary knowledge, skills, and abilities for the job at hand?你有沒有必要的知識，技能和能力的工作在手？ If using a hammer confuses you, it's best that you leave the homebuilding job to someone who has the qualifications for it.如果使用錘混淆了你，最好的，你離開住宅建設的工作，有人誰擁有的資格。 Even if you do end up building a perfect looking home, your lack of expertise and experience will still make the insurance company hesitate providing protection for your home.即使你這樣做，最終建設一個完美的外觀的家庭，您的缺乏專業知識和經驗，仍然會令保險公司毫不猶豫地提供保護，為您的家用。 If, on the other hand, you've got the necessary credentials for the job then furnish it and make sure that they look pretty.如果，在另一方面，您已獲得必要的證書，為就業，然後提交，並確保他們看看漂亮。 Being a professional carpenter, engineer, or architect will definitely help.作為一個專業木匠，工程師或建築師，必將有助於。 If you don't have the necessary license but lots of experience, extract letters of recommendation and reference from the people you previously worked with and for.如果你不具備必要的許可，但大量的經驗，提取推薦信和參考來自於人民，你以前的工作和與此。 The Advantage of Collaborating 優勢合作 It's good that you want to build your own home, but keep in mind that you don't have to build your own home alone and without any help whatsoever.它的好，你要建立自己的主頁，但請記住，你沒有建立自己獨自留在家，沒有任何幫助可言。 You can, for instance, relegate several important duties to a professional and then just accomplish what you can accomplish perfectly.例如，您可以， relegate的幾個重要職務，專業，然後剛剛完成什麼，您可以完成完美。 Having blueprints drawn up by a professional will be something than an insurance company will appreciate more.有藍圖，制定了由專業人士將一些超過保險公司會明白更多。 Use of Materials 材料的使用 You can obtain insurance when building your own house more easily depending on your choice of materials.您可以獲取保險時，建設自己的房屋，更容易根據您的材料的選擇。 It's best to use high quality or grade A materials for building the structure or skeleton of your house because this will provide more stability and soundness for your home - something that sounds music to any insurance company's ears.它的最佳使用高品質的A級或材料的建設的結構或骨架你的房子，因為這會提供更多的穩定和穩健為您的家庭-這聽起來音樂的任何保險公司的耳朵。 Don't overdo using materials of high quality, however, because this can be perceived the other way around.不要過分使用材料的高品質，不過，由於這是可以預見其他方式。 Instead of lowering your insurance costs, using too much high quality materials can increase the costs of insurance if it ends up becoming a liability or something else to protect and value.而不是降低您的保險費用，使用過多的高品質的材料可以增加保險費用，如果最終成為法律責任或有其他保護和價值。 Location, Location, Location 地點，位置，位置 
It's easier to get insurance when building your own home if your property is located in an area where the crime rate is particularly low.它的更容易獲得保險時，建設自己的主頁，如果你的財產是設在地方的罪案率是特別低。 It's easier to get insurance when building your home if your property is located in an area where there's no constant danger of getting your house swept away by a raging flood, a terrifying hurricane, or a volcanic eruption.它的更容易獲得保險時，建立您的首頁，如果你的財產是設在一個地方有沒有不斷的危險，讓您的房子沖走一肆虐洪水，可怕的颶風，或火山爆發造成嚴重後果。 Of course, expect your insurance cost to increase appropriately if you live in an upscale area - it's expected, after all - or in any state where insurance costs are naturally high.當然，期待您的保險費用，以增加適當如果你住在一高檔區-它的預期，畢竟-或在任何國家，那裡的保險費用自然也高。 Installing a Security System 安裝安全系統 Having an alarm installed or making sufficient security arrangements for your home is always something that an insurance company will welcome.有一個報警安裝或作出足夠的保安安排，為您的家庭始終是一些保險公司會表示歡迎。 When building your home, you can actually save more money - not to mention increase your home's safety as well - if you incorporate your security plans in your home building project instead of installing it after your home's completed.當建設你的家，你其實可以節省更多的錢-更遑論提高您家的安全，以及-如果您把您的安全計劃，在您的家中建設項目，而不是安裝它後，您的家庭的完成。 Remember, of course, that security is a broad word, but all its aspects are important for an insurance company.請記住，當然，安全是一個廣泛的詞，但所有方面都是重要的一個保險的公司。 Thus, when building your own house, make sure that you formulate security arrangements not only against theft and burglary but also against fire and other natural and man-made perils.因此，當您建設自己的房子，請確認您制訂的安全安排，不僅是對盜竊和爆竊，但也對火災和其他自然災害和人為製造的危險。 Other Tips for Obtaining Insurance When Building Your Own House 其他的秘訣取得保險時，建設自己的房子 A single-floor house or a bungalow is always easier to obtain insurance for than any other house with two or more stories.單樓房子或一別墅始終是更容易獲得保險為比任何其他內務與兩個或兩個以上的故事。 The number of occupants and how they live may also affect the ease of obtaining insurance when building your own house.有多少住戶，以及他們如何生活也可能影響易用性取得保險時，建設自己的房子。 How the house is managed is also a factor to consider.如何內務管理也是一個因素加以考慮。 Arrange for an independent insurance home surveyor to conduct a termite inspection for your home.安排一個獨立的保險首頁驗船師進行白蟻的檢查，為您的家用。 If the report is negative, make sure that you correct this problem immediately and before you complete your home.如果該報告是否定的，請確定您正確的這個問題，立即和前完成，您的家。 To end in a positive note, remember that obtaining insurance is usually the only negative aspect to consider when building your own house.結束是一個積極的注意，請記住，取得保險通常是只有消極的一面時要考慮建設自己的房子。 As long as you have more than enough time and effort to donate, building your own house can ultimately help you save a lot of money.只要你有足夠多的時間和精力來捐贈，建設自己的房屋，可以最終幫助您節省了很多錢。 
| More information here about insurance when building your own house: 更多信息，在這裡有關保險時，建設自己的房子： Insurance for Fire Only 保險消防只有
In this present age of disasters and unforeseen events occurring, it is important to have a good, quality insurance plan. 在目前這個年齡災害和突發事件的發生，這是重要的是要有一個好的，質量保險計劃。 That is why insurance companies have policies that cover car damage, property, house insurance (fire only, robbery, etc.) personal self, and even life insurance. 這就是為什麼保險公司有政策，包括汽車的損害，財產，內務保險（火災只，搶劫等） ，個人的自我，甚至人壽保險。 These insurance plans usually allow the owner to be less worried and concerned about damages to the car, property, or whatever it is he insures, including his own life, since there will be just and proper compensation for damages and/or losses. 這些保險計劃通常允許所有者少擔心和關心的損害，汽車，財產，或什麼，這是他的保險，包括他自己的生活，自會有公正和適當的損害賠償及/或損失。 ....... .......
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07/24/2008 2008年7月24日
Glossary of Home Insurance Terms 詞彙的家庭保險條款
when you apply for your Home Insurance you may encounter some of the following terms.當您申請為您的家庭保險，您可能會遇到下列的一些條款。 If you are unsure of any term relating to your Home Insurance policy it is better to ask your insurer or broker for help....如果您不確定的任何條款與您的家庭保險的政策，最好是問您的保險人或經紀人，幫助....
All Risks - A wider form of cover than that provided by the standard Contents Section, items can be insured on a specified or unspecified basis and will include accidental loss or damage insurance away from your home. 所有的風險 -更廣泛的形式，包括比所提供的標準目錄條，項目可以對被保險人指定或指定的基礎上，並會包括意外損失或損害保險遠離您的首頁。
Average Clause - Insurers insert this clause on your policy as a means of dealing with under insurance. 平均條款 -保險插入這條條文對您的政策作為一種手段處理下的保險。 It has the effect of reducing a claim in proportion to the amount of underinsurance.它的影響，減少了一項索賠比例的金額underinsurance 。
New For Old - Most policies for Home Insurance are now arranged on a new for old basis. 新老 -最政策，家庭保險現正安排在一個新的，舊的基礎上。 In simple terms your old items are replaced with new items.簡單來說，您的舊項目所取代的新項目。 To secure this cover you will have to insure your contents for there full market value.以確保這包括你將要購買保險，您的內容有充分的市場價值。 There are some exceptions where cover is not on a New for Old basis, mainly clothing.有一些例外，如封面，是不是一個新的，舊的基礎上，主要包括各類服裝。
Claim - If you have insurance policy and are unlucky enough to suffer a loss, you will be entitled to make a claim for your financial loss from your insurers, providing that the policy wording covers the cause. 索賠 -如果你有保險的政策和不幸的是，足以遭受損失，您將有權提出求償為您的財政損失，從您的保險公司，提供該政策的措辭，涉及的事業。
Cancellation Period - The Financial Services Authority require insurers to give you a statutory cooling off period in which you can cancel your policy. 取消期 -金融服務管理局要求保險公司給你一個法定的冷靜期，您可以在其中取消您的政策。 It is usually 14 days and most insurers will make a full refund of any insurance premiums collected.它通常是在14天內，最保險將全額退還任何保險費的收集。 After the 14 days period, you are still free to cancel you policy and any rebate will be calculated in accordance with the insurers standard scale, which is usually published in your policy document.後14天期間，您仍然免費取消你的政策和任何回扣，將計算，按照保險公司的標準規模，這是通常發表在你的政策文件。
Commission - This is the amount of remuneration paid by the insurer to a broker or intermediary for placing business with them. 委員會 -這是數額支付的報酬由保險人向經紀或中介機構，把與他們的交易。
Contract Of Insurance - This is agreement between an insurer and your self, in return for you paying a premium; the insurer will pay you compensation or a sum of money on the happening of an insured event. 保險合同 -這是之間的協議承保人和你的自我，作為回報，你付出了保費;保險公司將支付給您補償或一筆錢，就發生一保事件。
Days of Grace - These are additional days of cover provided after your policy has ended. 天的寬限期 -這些都是額外天的封面後提供您的政策已經結束。 The usual amount is 14 days.慣常的數額是14天。
Direct Insurer - an insurance company or underwriter that will sell you insurance directly without going through a "middle man" such as a broker or Intermediary. 直接保險人 -保險公司或承銷商將出售給您的保險，直接經歷一個“中間的男子” ，如經紀人或中介。
Endorsement - a policy endorsement alters the scope of your policy wording. 批註 -政策認可的範圍，改變你的政策的措辭。 It can have two effects, it can extend your cover or it can restrict your cover.它可以有兩個效果，它可以延長您的封面或它可以限制您的封面。 It is very important to read all of your policy endorsements so as to fully understand your covers.這是很重要的閱讀您所有的政策背書，以便充分了解您的封面。
Excess this is the amount of money that your will have to contribute towards a claim. 過剩 ，這是多少錢，你將不得不有助於索賠。 Some excesses are compulsory such as subsidence excess; some are voluntary where you can elect to receive a discount in return for paying the first portion of any loss.一些過分的是強制性的，如沉降過剩，有些是自願的情況下，您可以選擇接受的折扣在返回支付第一部分的任何損失。
Extended Accidental Damage - Most policies will include a certain amount of Accidental Damage cover free of charge. 延長意外損壞 -最政策將包括一定數額的意外損壞包括費用全免。 Under Contents Insurance Free Accidental Damage Insurance normally includes TV Videos and Sound reproducing equipment and fixed glass in furniture.根據保險的內容，免費意外損壞保險通常包括電視影片和健全的複製設備和固定的玻璃家具。 Under Buildings Insurance Free Accidental Damage Insurance normally extends to breakage of baths and lavatory pans, bidets etc and fixed glass in windows and doors.根據建築物的保險免費意外損壞保險，通常延伸到斷裂的洗澡和廁所的平底鍋，淨身器等，並固定在玻璃門窗。 Extended Accidental Damage will extend the cover to include all other items.延長意外損壞將擴大範圍至包括所有其他項目。
Fee - Brokers & Intermediaries may place fees on your policy for arranging things for you, any fees charged should be mentioned in your documents. 費 -經紀人及中介機構可能發生的費用，對您的政策安排的事情，你的任何收費應該提到的在您的文件。
Indemnity - A very important Insurance principal, the insurer in granting indemnity to a client will seek to place them in the same financial position after the loss as they were in before. 彌償 -一個非常重要的保險主體，保險人在給予彌償到客戶端將尋求地方，他們在相同的財政狀況後的損失，因為他們在之前。
No Claims Bonus - In return for not making claims under your policy, the insurer may reward you with a discount from your premiums. 沒有索賠的獎金 -在回報沒有提出索賠，在你的政策，保險人可以獎勵您一個折扣從您的保費。 For each year of no claim up to usually a maximum of three or four, the insurers will provide an additional discount.每一年的任何索賠最多，通常是最高的三個或四個，保險公司將提供額外的折扣。
Peril - Something that happens that could lead to a claim under an insurance policy such as a Fire or Flood etc. 危亡 -一些這種情況發生，可能導致的索賠，根據保險的政策，如發生火警或洪水等。
Premium - This is the money that you will have to pay to your insurer in return for your insurance policy, it is sometimes known as consideration. 溢價 -這是錢，你將要付出你的保險回報，為您的保險政策，它有時也被稱為考慮。
Proximate Cause - This is the active cause of a loss that sets in motion a train of events that brings about a result without the intervention of any force started and working actively from the new and Independent source. 近因 -這是積極的事業的損失集的議案，一列火車的事件帶來的結果沒有干預任何勢力開始積極工作由新而獨立的來源。 In simple terms this means that the most recent cause of a loss is not the cause that the insurers study to see if an event is covered.簡單來說，這意味著，最近期的事業的損失是不是導致該保險公司的研究，看看是否一事件是包括在內。 They look to see the active or first cause, check that the peril is covered by a policy, and then decide if a claim is valid.他們期待看到積極的或第一個原因，檢查危險是所涵蓋的一項政策，然後決定是否提出索賠是有效的。
Renewal Notice - At the end of your insurance contract term the insurer will send you an invitation to renew your policy. 續期通知 -在年底您的保險合同，保險人的任期將發送給您的邀請，以更新您的政策。 The notice will quote the new contract price and period of insurance and advise you of any changes to the terms & conditions of your policy.該公告將引用新的合同價格和期間的保險，並建議您有任何更改條款及條件，您的政策。
Schedule - the schedule of Insurance outlines the sums insured under your policy, and tells you the policy sections you have covered and may make reference to any endorsements applicable to your policy contract. 附表 -附表保險概述了保額下，您的政策，並且告訴你的政策條文您有蓋和可參考的任何簽注適用於您的政策，合同。
Subrogation - Legally this right of one person to stand in place of another and to avail himself of the rights and remedies of that other person. 代位權 -這在法律上的權利，一個人的立場，在另一個地方，並利用自己的權利及補救的其他人。 Usually it relates to the insurers being able to recover their losses.. more...通常，它涉及到被保險人無法收回他們的損失.. 更多...
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07/24/2008 2008年7月24日
What is Buildings and Contents Insurance? 什麼是建築物和內容，保險呢？
Also referred to as Home Insurance, Homeowners Insurance or Household Insurance, they amount to the same.也被稱為家庭保險，房主保險或家居保險，他們的金額，以相同的。 Quite simply they are insurance products that can be purchased from a variety of sources to cover the fabric of your home and / or your personal possessions that are kept in the home.很簡單，他們是保險產品可以購買從各種來源，以支付結構，您的家庭和/或您的個人財產都被蒙在首頁。 Cover can be extended to cover items such as valuables that are temporarily removed from your home.包括可以擴展至包括項目，如貴重物品，是暫時刪除從您的家中。 This extension is often called “All Risks” Insurance.本擴展常被人稱作是“全險”保險。 None of these insurances are compulsory but you may find it a condition of your mortgage that you buy at least Buildings Insurance to protect the lenders financial interest in the property.這些都不是強制性的保險，但您可能會發現它的條件，您的按揭，您至少購買建築物保險，以保障貸款人財務上的利益的財產。 Most policies are similar in the covers they provide as mortgage lender etc have a standard set of perils that must be provided to secure a loan on the property.大部分政策都是在類似的封面，他們提供抵押貸款等，一套標準的危險，必須提供安全的貸款，對物業。 Probably the biggest purchase you will make in your life is that of your home.大概是最大的購買您將在您的生命是你的家。 To qualify for a mortgage to purchase a property, you will need to satisfy your lender that you have a Home Insurance policy in force that confirms to their terms & conditions.資格按揭購買的財產，您將需要，以滿足您的貸款您有一個家庭保險的政策，在部隊證實其條款與條件。 Most insurers are aware of these terms & conditions and aim to make their polices compliant.最保險人都知道，這些條款及條件和目標是使他們的政策相容。 There are a large number of policies on the market available from insurance companies direct, banks, building societies and via brokers who may be able to offer you more choice. more...有大量的政策對市場可從保險公司直接，銀行，建築協會和威盛經紀誰可以為您提供更多的選擇。 更多...
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