![\"\"](\"https:\/\/zjarr.tv\/wp-content\/uploads\/2022\/08\/png_20220811_213212_0000-300x169.png\")
\u00a0<\/p>\nR\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, nd\u00ebrsa harrojm\u00eb ta sigurojm\u00eb at\u00eb!<\/p>\n
Sigurimi i sht\u00ebpis\u00eb mund\u00ebson q\u00eb p\u00ebr humbjet financiare 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 p\u00ebrmbytjeve dhe ndodhet n\u00eb zon\u00ebn e rrezikut sa i p\u00ebrket l\u00ebkundjeve sizmike, dukuri q\u00eb nuk \u00ebsht\u00eb n\u00eb dor\u00ebn ton\u00eb. Por ajo q\u00eb ne mund t\u00eb parandaloni, jan\u00eb kostot financiare q\u00eb le pas nj\u00eb t\u00ebrmet, zjarr, p\u00ebrmbytje, stuhi etj.<\/p>\n
Sigurimi i sht\u00ebpis\u00eb p\u00ebrfshin disa lloje mbulimi:<\/p>\n
MBULIMIN E BANES\u00cbS: E gjith\u00eb nd\u00ebrtesa dhe t\u00eb gjitha punimet me mure e me dritare, duke p\u00ebrfshir\u00eb edhe dritaret e bravat, si dhe themelet e bodrumeve;<\/p>\n
MBULIMIN E PASURIVE PERSONALE: Mobilje, orendi, pajisje\u2026<\/p>\n
Nga cilat rreziqe mund t\u00eb sigurohet?\u00a0 <\/p>\n
Zjarri q\u00eb n\u00ebnkupton djegien me flak\u00eb t\u00eb t\u00eb mirave materiale, jasht\u00eb nj\u00eb vatre t\u00eb p\u00ebrshtatshme, q\u00eb mund t\u00eb zgjerohet e t\u00eb p\u00ebrhapet\u201d;<\/p>\n
Rrufeja q\u00eb n\u00ebnkupton shk\u00ebndin\u00eb elektrike t\u00eb shkaktuar nga nj\u00eb rritje tensioni (volt) ose intesiteti (amper), si rrjedhoj\u00eb e nj\u00eb ndryshimi t\u00eb madh t\u00eb nj\u00eb reje, o t\u00eb nj\u00eb reje e ajrit p\u00ebrreth ose t\u00eb tok\u00ebs;<\/p>\n
Eksplozioni q\u00eb n\u00ebnkupton zhvillimin e gazrave ose avujve me temperatur\u00eb t\u00eb lart\u00eb e t\u00eb tensioneve, shkaktuar nga reaksionet kimike, dhe zgjatet vet\u00eb me shpejt\u00ebsi t\u00eb madhe;<\/p>\n
R\u00ebnie avionesh, pjes\u00ebve t\u00eb tyre ose gj\u00ebrave q\u00eb transportohen nga to;<\/p>\n
T\u00ebrmeti;<\/p>\n
P\u00ebrmbytja, shirat, bresh\u00ebri;<\/p>\n
Rredhja e tubacioneve t\u00eb ujit t\u00eb shkaktuara nga prishja e tubacioneve nga i ftohti ose mbipresioni i ujit;<\/p>\n
Mbingarkesa me d\u00ebbor\u00eb q\u00eb n\u00ebnkupton r\u00ebnien e plot\u00eb ose t\u00eb pjesshme e \u00e7atis\u00eb ose t\u00eb mure t\u00eb shkaktuara nga mbingarkesa me bore);<\/p>\n
Vjedhja;<\/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?
\n\u00a0<\/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?<\/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:<\/p>\n
Kushtet e motit dhe nentok\u00ebs n\u00eb qytetin tuaj. 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. 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. 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
\u00a0<\/p>\n
A ndikon mbulimi n\u00eb \u00e7mimin e sigurimit?<\/p>\n
\u00a0<\/p>\n
Mbulimi me sigurim ju mbron nga zjarri, eksplozioni, rrufeja, katastrofat natyrore si T\u00ebrmet, P\u00ebrmbytje, Rr\u00ebshqitje Toke apo Stuhi, Thyerje xhamash, Vjedhje q\u00eb mund t\u2019i ndodhin pron\u00ebs suaj.<\/p>\n
Sigurisht, vlera e vet sht\u00ebpis\u00eb suaj do t\u00eb ndikoj\u00eb n\u00eb \u00e7mimin e polic\u00ebs suaj t\u00eb sigurimit. N\u00ebse ju jetoni n\u00eb nj\u00eb sht\u00ebpi me rifinitura t\u00eb nj\u00eb cilesi\u00eb t\u00eb lart\u00eb dhe pajisje sht\u00ebpiake shum\u00eb t\u00eb shtrenjta, ju do t\u00eb duhet q\u00eb t\u00eb paguani nj\u00eb prim vjetor m\u00eb t\u00eb lart\u00eb i cili do t\u00eb llogaris\u00eb kostot e rind\u00ebrtimit t\u00eb sht\u00ebpis\u00eb suaj n\u00eb rast fatkeq\u00ebsish natyrore dhe aksidentale.<\/p>\n
\u00a0<\/p>\n
A mund t\u00eb kem ulje p\u00ebr polic\u00ebn time?<\/p>\n
Ka vet\u00ebm disa m\u00ebnyra se si ju mund t\u00eb merrni nj\u00eb \u00e7mim m\u00eb t\u00eb ul\u00ebt t\u00eb polic\u00ebs s\u00eb sigurimit t\u00eb sht\u00ebpis\u00eb suaj.<\/p>\n
Po ju p\u00ebrmendim disa aspekte t\u00eb minimizimit t\u00eb riskut:<\/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
\u00a0<\/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
\u00a0<\/p>\n
A jeni gati p\u00ebr t\u00eb bler\u00eb?<\/p>\n
\u00a0<\/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
\u00a0<\/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 paqen e mendjes.<\/p>\n
\u00a0<\/p>\n
PSE SIGAL UNIQA?<\/p>\n
\u00a0<\/p>\n
Gjat\u00eb vitit 2021, vet\u00ebm n\u00eb Sigurimet e Pron\u00ebs, SIGAL UNIQA ka paguar te klient\u00ebt e saj mbi 3 milion\u00eb euro d\u00ebmshp\u00ebrblime. Nd\u00ebrkoh\u00eb, vet\u00ebm gjat\u00eb k\u00ebtij 6-mujorit t\u00eb par\u00eb t\u00eb k\u00ebtij viti, vet\u00ebm p\u00ebr Sigurimin nga Zjarri, SIGAL ka paguar te klient\u00ebt e saj mbi 700 mij\u00eb euro d\u00ebmshp\u00ebrblime.<\/p>\n
\u00a0<\/p>\n
Kjo ka b\u00ebr\u00eb q\u00eb SIGAL UNIQA Group Austria t\u00eb jet\u00eb lidere n\u00eb treg, duke z\u00ebn\u00eb 53.44% t\u00eb tij me nj\u00eb rritje prej 6% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb, thekson AMF n\u00eb raportin mbi ecurin\u00eb e tregut t\u00eb sigurimeve n\u00eb Shqip\u00ebri p\u00ebr periudh\u00ebn janar-qershor 2022.<\/p>\n
\u00a0<\/p>\n
ZGJIDH ONLINE nj\u00eb nga PAKETAT E SIGURIMIT q\u00eb ofron SIGAL UNIQA me vet\u00ebm nj\u00eb klik n\u00eb: https:\/\/sigal.com.al\/pasuri-dhe-garanci\/sigurimi-i-prones-dhe-pergjegjesise\/sigurimi-i-shtepise\/ <\/p>\n
\u00a0<\/p>\n
N\u00ebse doni t\u00eb siguroheni ka vet\u00ebm 1 em\u00ebr, SIGAL UNIQA Group Austria\u2026<\/p>\n
\u00a0<\/p>\n
P\u00ebr \u00e7do pyetje apo paqart\u00ebsi, kontaktoni n\u00eb:<\/p>\n
\u00a0<\/p>\n
Whatsapp: +355 68 606 2829<\/p>\n
\u00a0<\/p>\n
E-mail: info@uniqa.al <\/p>\n","protected":false},"excerpt":{"rendered":"
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, nd\u00ebrsa harrojm\u00eb ta sigurojm\u00eb at\u00eb! Sigurimi i sht\u00ebpis\u00eb mund\u00ebson q\u00eb p\u00ebr humbjet financiare 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. Shqip\u00ebria \u00ebsht\u00eb mjaft e ekspozuar ndaj p\u00ebrmbytjeve dhe ndodhet […]<\/p>\n","protected":false},"author":2031,"featured_media":277469,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2631],"tags":[],"class_list":{"0":"post-277467","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-sigal"},"_links":{"self":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/277467","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/users\/2031"}],"replies":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/comments?post=277467"}],"version-history":[{"count":0,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/277467\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/media\/277469"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/media?parent=277467"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/categories?post=277467"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/tags?post=277467"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}