Pehea e hōʻoia pono ai i kāu hōʻiliʻili kiʻi

ʻO ka ʻinikua kiʻi kou pale ʻana i nā mea i manaʻo ʻole ʻia 

E like me ka ʻinikua o ka hale a i ʻole ka ʻinikua olakino, ʻoiai ʻaʻohe mea makemake i ke olai a i ʻole ka wāwae haki, pono ʻoe e mākaukau.

Ua kūkākūkā mākou i ʻelua loea ʻinikua kiʻi a loaʻa iā lāua nā moʻolelo weliweli. ʻO nā mea e like me nā penikala e paheʻe ana ma luna o nā kiʻi pena a me nā aniani waina ʻulaʻula e lele ana ma nā canvases. ʻO ka mea e mahalo ai, i kēlā me kēia hihia, hele ka mea ʻohi kiʻi i ka hui ʻinikua ma hope o ka hanana, e ʻimi ana i kahi loea hoʻihoʻi a me ka ʻinikua ʻoihana.

ʻO ka pilikia me ka hōʻoia ʻana i kahi kiʻi pena ma hope o ka puka ʻana o kahi penikala i puka i loko, ʻaʻole ʻoe e loaʻa i kahi keneta o ka uku no ka hoʻihoʻi ʻana a i ʻole ka nalowale o ka waiwai o kāu hana.

E makaʻala ʻaʻole uhi nā ʻinikua a pau i nā kiʻi nani.

Ma hope o ke kamaʻilio ʻana me Victoria Edwards o Fine Art and Jewelry Insurance a me William Fleischer o , ua aʻo mākou e mākaukau nā mea ʻohi kiʻi no kekahi mea.

E noʻonoʻo i kēia mau nīnau i kāu pahu hoʻomaka no ka ʻinikua kūpono no kāu hōʻiliʻili kiʻi:

1. Ua uhi anei ka'u ohi kii i ka inikua o na mea hale?

ʻO kekahi o nā nīnau mua i nīnau ʻia e ka poʻe, "Ua uhi anei ka ʻinikua o kaʻu mea hale i kaʻu hana?" Hoʻopili ka ʻinikua homeowners i kāu mau waiwai ma muli o kou palena hiki ke unuhi a me ka uhi.

"Ke manaʻo nei kekahi poʻe e uhi ana kā lākou ʻinikua hale i ka [fine art]," wehewehe ʻo Edwards, "akā inā ʻaʻohe āu kulekele ʻokoʻa a manaʻo ʻoe ua uhi ʻia kāu ʻinikua hale, pono ʻoe e nānā no ka wehe ʻana." Hiki ke kūʻai i ka uhi kūikawā no kekahi mau mea, e like me nā hana noʻeau, e uhi ana i kā lākou waiwai loiloi hou. ʻO kēia kahi mea e pono ai ʻoe e hana i kāu hoʻoikaika pono ma ke ʻano he mea ʻohi kiʻi.

"ʻAʻole like ka paʻakikī o ke kulekele ʻinikua o ka mea hale e like me ke kulekele ʻinikua hana," wehewehe ʻo Fleischer. "He nui nā mea paʻa a ʻoi aku ka nui o ka underwriting. I ka lilo ʻana o ka mākeke noʻeau i ʻoi aku ka maʻalahi, ʻaʻole ʻo ka politika nona ka home kahi kūpono no kāu uhi.

2. He aha nā pōmaikaʻi o ka hana ʻana me kahi hui ʻinikua kiʻi nani?

"ʻO ka maikaʻi o ka hana pū ʻana me kahi mea hoʻolimalima i loea maoli i ka ʻinikua kiʻi ʻo ia kā mākou hana ma ka ʻaoʻao o ka mea kūʻai aku, ʻaʻole ka hui," wehewehe ʻo Edwards. "Ke hana nei ʻoe me kahi mea hoʻolimalima e hana ana ma kou ʻaoʻao, loaʻa iā ʻoe ka nānā pilikino."

Ua ʻoi aku ka ʻike o nā loea Art Insurance i ka hana ʻana i nā kulekele e pale i kāu hōʻiliʻili kiʻi a ʻike pehea e kōkua ai i nā kūlana koi. Ke waiho ʻoe i kahi koi me kahi loea ʻinikua noʻeau, e mālama nui ʻia kāu hōʻiliʻili. Me kahi kulekele ʻinikua o ka mea hale, ʻo kāu ʻohi kiʻi he ʻāpana wale nō o kāu mau waiwai. "Ke nānā aku nei ka ʻoihana ʻinikua noʻeau i ke kiʻi," wahi a Fleischer. "Hoʻomaopopo lākou i ke ʻano o ka mālama ʻia ʻana o nā koi, pehea ka hana ʻana o nā loiloi, a maopopo lākou i ka neʻe ʻana o ke kiʻi."

E like me kekahi kulekele inikua, e makaʻala i ka mea i uhi ʻia. Hoʻokaʻawale kekahi mau lula pilikino. 'O ia ho'i, inā 'ino kāu 'āpana (e no'ono'o 'oe i ka waina 'ula'ula e lele ana ma luna o ke kā'ei) a pono e ho'oponopono 'ia, 'o 'oe ke kuleana no ke kumukū'ai. Inā pono ʻoe e hoʻouna i ka pena kiʻi i kahi mea hoʻihoʻi, hiki ke emi ke kumukūʻai. Hoʻomaopopo pū ʻo Fleischer e hōʻemi ana kahi kulekele ʻinikua noʻeau i ka waiwai makeke inā hoʻokomo ʻia i loko o kāu ʻinikua.

3. He aha ka hana mua i ka hoʻopaʻa ʻana i kaʻu hōʻiliʻili kiʻi?

ʻO ka hana mua i ka hōʻoia ʻana i kāu hōʻiliʻili kiʻi, ʻo ia ka hōʻiliʻili ʻana i ka provenance a i ʻole nā ​​palapala pono āpau e hōʻoia ai iā ʻoe ke kiʻi a me ke kumukūʻai o kēia manawa. Aia i loko o kēia mau palapala ka palapala inoa, ka bila kūʻai, ke kumu, ka loiloi pani, nā kiʻi, a me ka loiloi hou loa. Hiki iā ʻoe ke mālama i kēia mau palapala a pau ma kāu ʻaoʻao no ka mālama ʻana i nā mea āpau a hiki ke maʻalahi i ke ao. ʻO ke alapine o ka hoʻonui ʻia ʻana o nā palapala loiloi e pili ana i ka ʻikepili underwriting o kēlā me kēia hui.

4. ʻEhia mau manawa e pono ai au e hoʻonohonoho i kahi loiloi?

Manaʻo ʻo Fleischer i kahi loiloi hou i hoʻokahi makahiki, ʻoiai ʻo Edwards e hōʻike i kēlā me kēia ʻekolu a ʻelima mau makahiki. ʻAʻohe pane hewa, a ʻo ka pinepine o ka helu ʻana e hilinaʻi nui ʻia i ka makahiki a me nā mea o ka hana. Hiki iā ʻoe ke nīnau i kēia mau nīnau i kāu luna ʻinikua. ʻOiai hiki ke maʻalahi i kekahi manawa e like me ka hoʻouna ʻana i nā invoice, makemake mau ʻoe i nā waiwai hou mai nā makahiki i hala. “Malia paha [kēia mea] i ka mua he $2,000,” ʻo ka manaʻo o Edwards, “a i loko o nā makahiki ʻelima e lilo ia i $4,000. Makemake mākou e hōʻoia inā e nalowale ʻoe, loaʻa iā ʻoe $4,000.

Inā ʻoe e hoʻolālā nei i kahi kuhi hou, e ʻoluʻolu e hōʻike no nā kumu ʻinikua. Hāʻawi kēia iā ʻoe i ka waiwai mākeke o kēia manawa o kāu hana kiʻi. He mea nui kēia ʻaʻole wale no ka ʻinikua, akā no ka nānā ʻana i ka nui o ka waiwai o kāu hōʻiliʻili, waiho ʻana i nā ʻauhau, a me ke kūʻai aku ʻana i nā kiʻi.

5. Pehea e hiki ai iaʻu ke mālama i nā palapala kumu a me ka helu helu no kaʻu ʻinikua i ka manawa kūpono?

Ke hoʻohui mau nei ʻoe i nā mea i kāu hōʻiliʻili ʻana a me ka hōʻano hou ʻana i kāu mau pepa loiloi, pono e noho hoʻonohonoho. ʻO kahi ʻōnaehana waihona e like me kēia kahi ala maikaʻi e mālama ai i nā mea āpau āu e makemake ai ma kahi wahi maʻalahi hiki iā ʻoe ke komo i kēlā me kēia manawa, ma nā wahi āpau. "Pono kāu pūnaewele." Wahi a Edwards. "I ka hiki ke ʻae i kāu mea kūʻai aku e hoʻopuka i nā wehewehe a me nā waiwai a ʻōlelo ʻia eia kahi papa inoa o nā mea aʻu e makemake ai e hōʻoia, e maʻalahi loa ia."

ʻO ka loaʻa ʻana o kāu mau palapala a pau ma kahi hoʻokahi e hiki ai iā ʻoe ke mālama pono i ka waiwai o kāu hōʻiliʻili kiʻi. Hoʻemi ka ʻike pololei i ka pilikia ma lalo o kāu kulekele ʻinikua.

6. He aha nā koi maʻamau?

ʻO nā koi maʻamau ma waena o Fleischer a me Edwards, ʻo ia ka ʻaihue, ka pōā, a me ka hōʻino ʻana i nā hana noʻeau i ka hele ʻana. Inā hoʻoneʻe ʻoe a hāʻawi ʻaiʻē paha i kahi hapa o kāu hōʻiliʻili i nā hale hōʻikeʻike a i ʻole nā ​​​​wahi ʻē aʻe, e hōʻoia i ka ʻike ʻana o kāu mea kūʻai ʻinikua noʻeau i kēia a ua komo i loko o ke kaʻina hana. Inā pili honua ka hōʻaiʻē, e hoʻomanaʻo e ʻokoʻa nā kulekele ʻinikua mai kēlā me kēia ʻāina. "Makemake ʻoe e hōʻoia i ka uhi ʻana i kēlā me kēia puka," wahi a Edwards, "no laila ke kiʻi lākou i ka pena mai kou home, ua uhi ʻia ma ke ala, ma ka hale hōʻikeʻike, a ma ke ala hoʻi i kou home."

Mai kali e hoemi i kou pilikia

ʻO ke ala maikaʻi loa e hōʻoia i ka uhi ʻana o kāu kulekele ʻinikua i nā mea āpau āu e pono ai, ʻo ke kelepona ʻana i kāu broker kūloko a i ʻole e hoʻomaka i ke kelepona ʻana i nā mea kūʻai aku a nīnau i nā nīnau. "ʻAʻole pale ka naʻaupō," hōʻike ʻo Fleischer. "He pilikia ka loaʻa ʻole o ka ʻinikua," i hoʻomau ai ʻo ia, "no laila ke lawe nei ʻoe i ka pilikia a i ʻole ke pale ʻana i ka pilikia?"

ʻAʻole hiki ke hoʻololi ʻia kāu hōʻiliʻili kiʻi, a mālama ka ʻinikua kiʻi i kāu waiwai a me kāu hoʻopukapuka. E hōʻoia pū ana ʻo ia ʻoiai inā loaʻa kahi koi pōʻino, hiki iā ʻoe ke hoʻomau i ka hōʻiliʻili. "ʻAʻole ʻoe e manaʻo e hiki mai kekahi mea," ʻōlelo ʻo Edwards, "ʻo ka loaʻa ʻana o ka ʻinikua e hāʻawi iā ʻoe i ka maluhia o ka noʻonoʻo."

Mahalo i kāu mea aloha a mālama iā ia. E kiʻi i nā ʻōlelo aʻo loea hou aʻe e pili ana i ka ʻimi ʻana, ke kūʻai ʻana a me ka mālama ʻana i kāu hōʻiliʻili ma kā mākou eBook manuahi, hiki ke hoʻoiho i kēia manawa.