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Your search for information about insurance when building your own house is successful! 您的搜索如需保险时，建设自己的房屋，是成功的！ All the details and information related to insurance when building your own house are here! 所有细节和相关信息保险时，建设自己的房屋，在这里！ 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.建设自己的家是一个共同的梦想，为有志的业主，但都知道，这是一个梦想，随之而来的很多条件。 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.这也是说起来容易，做和的事情之一，使您的家庭建设一个更困难的目标，实现的是获得适当的保险。 
Tips for Obtaining Insurance When Building Your Own House 提示取得保险时，建设自己的房子 Credentials and Qualifications 全权证书和学历 Do you have the necessary knowledge, skills, and abilities for the job at hand?你有没有必要的知识，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.如果使用锤混淆了你，最好的，你离开住宅建设的工作，有人谁拥有的资格。 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.即使你这样做，最终建设一个完美的外观的家庭，您的缺乏专业知识和经验，仍然会令保险公司毫不犹豫地提供保护，为您的家用。 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，您已获得必要的证书，为就业，然后提交，并确保他们看看漂亮。 Being a professional carpenter, engineer, or architect will definitely help.作为一个专业木匠，工程师或建筑师，必将有助于。 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.如果你不具备必要的许可，但大量的经验，提取推荐信和参考来自于人民，你以前的工作和与此。 The Advantage of Collaborating 优势合作 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，你要建立自己的主页，但请记住，你没有建立自己独自留在家，没有任何帮助可言。 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的几个重要职务，专业，然后刚刚完成什么，您可以完成完美。 Having blueprints drawn up by a professional will be something than an insurance company will appreciate more.有蓝图，制定了由专业人士将一些超过保险公司会明白更多。 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.您可以获取保险时，建设自己的房屋，更容易根据您的材料的选择。 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.它的最佳使用高品质的A级或材料的建设的结构或骨架你的房子，因为这会提供更多的稳定和稳健为您的家庭-这听起来音乐的任何保险公司的耳朵。 Don't overdo using materials of high quality, however, because this can be perceived the other way around.不要过分使用材料的高品质，不过，由于这是可以预见其他方式。 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.而不是降低您的保险费用，使用过多的高品质的材料可以增加保险费用，如果最终成为法律责任或有其他保护和价值。 Location, Location, Location 地点，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.它的更容易获得保险时，建设自己的主页，如果你的财产是设在地方的罪案率是特别低。 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.它的更容易获得保险时，建立您的首页，如果你的财产是设在一个地方有没有不断的危险，让您的房子冲走一肆虐洪水，可怕的飓风，或火山爆发造成严重后果。 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.当然，期待您的保险费用，以增加适当如果你住在一高档区-它的预期，毕竟-或在任何国家，那里的保险费用自然也高。 Installing a Security System 安装安全系统 Having an alarm installed or making sufficient security arrangements for your home is always something that an insurance company will welcome.有一个报警安装或作出足够的保安安排，为您的家庭始终是一些保险公司会表示欢迎。 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.当建设你的家，你其实可以节省更多的钱-更遑论提高您家的安全，以及-如果您把您的安全计划，在您的家中建设项目，而不是安装它后，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.请记住，当然，安全是一个广泛的词，但所有方面都是重要的一个保险的公司。 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，当您建设自己的房子，请确认您制订的安全安排，不仅是对盗窃和爆窃，但也对火灾和其他自然灾害和人为制造的危险。 Other Tips for Obtaining Insurance When Building Your Own House 其他的秘诀取得保险时，建设自己的房子 A single-floor house or a bungalow is always easier to obtain insurance for than any other house with two or more stories.单楼房子或一别墅始终是更容易获得保险比任何其他内务与两个或两个以上的故事。 The number of occupants and how they live may also affect the ease of obtaining insurance when building your own house.有多少住户，以及他们如何生活也可能影响易用性取得保险时，建设自己的房子。 How the house is managed is also a factor to consider.如何内务管理也是一个因素加以考虑。 Arrange for an independent insurance home surveyor to conduct a termite inspection for your home.安排一个独立的保险首页验船师进行白蚁的检查，为您的家用。 If the report is negative, make sure that you correct this problem immediately and before you complete your home.如果该报告是否定的，请确定您正确的这个问题，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.结束是一个积极的注意，请记住，取得保险通常是只有消极的一面时要考虑建设自己的房子。 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.只要你有足够多的时间和精力来捐赠，建设自己的房屋，可以最终帮助您节省了很多钱。 
| More information here about insurance when building your own house: 更多信息，在这里有关保险时，建设自己的房子： Insurance for Fire Only 保险消防只有
In this present age of disasters and unforeseen events occurring, it is important to have a good, quality insurance plan. 在目前这个年龄灾害和突发事件的发生，这是重要的是要有一个好的，质量保险计划。 That is why insurance companies have policies that cover car damage, property, house insurance (fire only, robbery, etc.) personal self, and even life insurance. 这就是为什么保险公司有政策，包括汽车的损害，财产，内务保险（火灾只，抢劫等） ，个人的自我，甚至人寿保险。 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. 这些保险计划通常允许所有者少担心和关心的损害，汽车，财产，或什么，这是他的保险，包括他自己的生活，自会有公正和适当的损害赔偿及/或损失。 ....... .......
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07/22/2008 2008年7月22日
Glossary of Home Insurance Terms 词汇的家庭保险条款
when you apply for your Home Insurance you may encounter some of the following terms.当您申请为您的家庭保险，您可能会遇到下列的一些条款。 If you are unsure of any term relating to your Home Insurance policy it is better to ask your insurer or broker for help....如果您不确定的任何条款与您的家庭保险的政策，最好是问您的保险人或经纪人，帮助....
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. 所有的风险 -更广泛的形式，包括比所提供的标准目录条，项目可以对被保险人指定或指定的基础上，并会包括意外损失或损害保险远离您的首页。
Average Clause - Insurers insert this clause on your policy as a means of dealing with under insurance. 平均条款 -保险插入这条条文对您的政策作为一种手段处理下的保险。 It has the effect of reducing a claim in proportion to the amount of underinsurance.它的影响，减少了一项索赔比例的金额underinsurance 。
New For Old - Most policies for Home Insurance are now arranged on a new for old basis. 新老 -最政策，家庭保险现正安排在一个新的，旧的基础上。 In simple terms your old items are replaced with new items.简单来说，您的旧项目所取代的新项目。 To secure this cover you will have to insure your contents for there full market value.以确保这包括你将要购买保险，您的内容有充分的市场价值。 There are some exceptions where cover is not on a New for Old basis, mainly clothing.有一些例外，如封面，是不是一个新的，旧的基础上，主要包括各类服装。
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. 索赔 -如果你有保险的政策和不幸的是，足以遭受损失，您将有权提出求偿为您的财政损失，从您的保险公司，提供该政策的措辞，涉及的事业。
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 -金融服务管理局要求保险公司给你一个法定的冷静期，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天内，最保险将全额退还任何保险费的收集。 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.后14天期间，您仍然免费取消你的政策和任何回扣，将计算，按照保险公司的标准规模，这是通常发表在你的政策文件。
Commission - This is the amount of remuneration paid by the insurer to a broker or intermediary for placing business with them. 委员会 -这是数额支付的报酬由保险人向经纪或中介机构，把与他们的交易。
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. 保险合同 -这是之间的协议承保人和你的自我，作为回报，你付出了保费;保险公司将支付给您补偿或一笔钱，就发生一保事件。
Days of Grace - These are additional days of cover provided after your policy has ended. 天的宽限期 -这些都是额外天的封面后提供您的政策已经结束。 The usual amount is 14 days.惯常的数额是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. 直接保险人 -保险公司或承销商将出售给您的保险，直接经历一个“中间的男子” ，如经纪人或中介。
Endorsement - a policy endorsement alters the scope of your policy wording. 批注 -政策认可的范围，改变你的政策的措辞。 It can have two effects, it can extend your cover or it can restrict your cover.它可以有两个效果，它可以延长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.这是很重要的阅读您所有的政策背书，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. 过剩 ，这是多少钱，你将不得不有助于索赔。 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.一些过分的是强制性的，如沉降过剩，有些是自愿的情况下，您可以选择接受的折扣在返回支付第一部分的任何损失。
Extended Accidental Damage - Most policies will include a certain amount of Accidental Damage cover free of charge. 延长意外损坏 -最政策将包括一定数额的意外损坏包括费用全免。 Under Contents Insurance Free Accidental Damage Insurance normally includes TV Videos and Sound reproducing equipment and fixed glass in furniture.根据保险的内容，免费意外损坏保险通常包括电视影片和健全的复制设备和固定的玻璃家具。 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.根据建筑物的保险免费意外损坏保险，通常延伸到断裂的洗澡和厕所的平底锅，净身器等，并固定在玻璃门窗。 Extended Accidental Damage will extend the cover to include all other items.延长意外损坏将扩大范围至包括所有其他项目。
Fee - Brokers & Intermediaries may place fees on your policy for arranging things for you, any fees charged should be mentioned in your documents. 费 -经纪人及中介机构可能发生的费用，对您的政策安排的事情，你的任何收费应该提到的在您的文件。
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. 弥偿 -一个非常重要的保险主体，保险人在给予弥偿到客户端将寻求地方，他们在相同的财政状况后的损失，因为他们在之前。
No Claims Bonus - In return for not making claims under your policy, the insurer may reward you with a discount from your premiums. 没有索赔的奖金 -在回报没有提出索赔，在你的政策，保险人可以奖励您一个折扣从您的保费。 For each year of no claim up to usually a maximum of three or four, the insurers will provide an additional discount.每一年的任何索赔最多，通常是最高的三个或四个，保险公司将提供额外的折扣。
Peril - Something that happens that could lead to a claim under an insurance policy such as a Fire or Flood etc. 危亡 -一些这种情况发生，可能导致的索赔，根据保险的政策，如发生火警或洪水等。
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. 溢价 -这是钱，你将要付出你的保险回报，为您的保险政策，它有时也被称为考虑。
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 -这是积极的事业的损失集的议案，一列火车的事件带来的结果没有干预任何势力开始积极工作由新而独立的来源。 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.简单来说，这意味着，最近期的事业的损失是不是导致该保险公司的研究，看看是否一事件是包括在内。 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.他们期待看到积极的或第一个原因，检查危险是所涵盖的一项政策，然后决定是否提出索赔是有效的。
Renewal Notice - At the end of your insurance contract term the insurer will send you an invitation to renew your policy. 续期通知 -在年底您的保险合同，保险人的任期将发送给您的邀请，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.该公告将引用新的合同价格和期间的保险，并建议您有任何更改条款及条件，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 -附表保险概述了保额下，您的政策，并且告诉你的政策条文您有盖和可参考的任何签注适用于您的政策，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. 代位权 -这在法律上的权利，一个人的立场，在另一个地方，并利用自己的权利及补救的其他人。 Usually it relates to the insurers being able to recover their losses.. more...通常，它涉及到被保险人无法收回他们的损失.. 更多...
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07/22/2008 2008年7月22日
What is Buildings and Contents Insurance? 什么是建筑物和内容，保险呢？
Also referred to as Home Insurance, Homeowners Insurance or Household Insurance, they amount to the same.也被称为家庭保险，房主保险或家居保险，他们的金额，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.很简单，他们是保险产品可以购买从各种来源，以支付结构，您的家庭和/或您的个人财产都被蒙在首页。 Cover can be extended to cover items such as valuables that are temporarily removed from your home.包括可以扩展至包括项目，如贵重物品，是暂时删除从您的家中。 This extension is often called “All Risks” Insurance.本扩展常被人称作是“全险”保险。 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.这些都不是强制性的保险，但您可能会发现它的条件，您的按揭，您至少购买建筑物保险，以保障贷款人财务上的利益的财产。 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.大部分政策都是在类似的封面，他们提供抵押贷款等，一套标准的危险，必须提供安全的贷款，对物业。 Probably the biggest purchase you will make in your life is that of your home.大概是最大的购买您将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.资格按揭购买的财产，您将需要，以满足您的贷款您有一个家庭保险的政策，在部队证实其条款与条件。 Most insurers are aware of these terms & conditions and aim to make their polices compliant.最保险人都知道，这些条款及条件和目标是使他们的政策相容。 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...有大量的政策对市场可从保险公司直接，银行，建筑协会和威盛经纪谁可以为您提供更多的选择。 更多...
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