{"id":11424,"date":"2023-01-03T11:12:00","date_gmt":"2023-01-03T04:12:00","guid":{"rendered":"https:\/\/www.saladin.vn\/blog\/?p=11424"},"modified":"2023-05-22T08:55:01","modified_gmt":"2023-05-22T01:55:01","slug":"kinh-nghiem-thue-nha-an-toan-nguoi-thue-co-can-mua-bao-hiem-nha-o","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-nha-tu-nhan\/kinh-nghiem-thue-nha-an-toan-nguoi-thue-co-can-mua-bao-hiem-nha-o\/","title":{"rendered":"Kinh nghi\u1ec7m thu\u00ea nh\u00e0 an to\u00e0n &#8211; Ng\u01b0\u1eddi thu\u00ea nh\u00e0 c\u00f3 c\u1ea7n mua b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf kh\u00f4ng?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">M\u1ee4C L\u1ee4C<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #259356;color:#259356\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #259356;color:#259356\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-nha-tu-nhan\/kinh-nghiem-thue-nha-an-toan-nguoi-thue-co-can-mua-bao-hiem-nha-o\/#I_Nhung_kinh_nghiem_thue_nha_huu_ich_Cac_buoc_quan_trong_khi_di_thue_nha\" >I. Nh\u1eefng kinh nghi\u1ec7m thu\u00ea nh\u00e0 h\u1eefu \u00edch: C\u00e1c b\u01b0\u1edbc quan tr\u1ecdng khi \u0111i thu\u00ea nh\u00e0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-nha-tu-nhan\/kinh-nghiem-thue-nha-an-toan-nguoi-thue-co-can-mua-bao-hiem-nha-o\/#II_Kinh_nghiem_thue_nha_nguyen_can\" >II. Kinh nghi\u1ec7m thu\u00ea nh\u00e0 nguy\u00ean c\u0103n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-nha-tu-nhan\/kinh-nghiem-thue-nha-an-toan-nguoi-thue-co-can-mua-bao-hiem-nha-o\/#III_Kinh_nghiem_thue_nha_chung_cu\" >III. Kinh nghi\u1ec7m thu\u00ea nh\u00e0 chung c\u01b0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-nha-tu-nhan\/kinh-nghiem-thue-nha-an-toan-nguoi-thue-co-can-mua-bao-hiem-nha-o\/#IV_Nguoi_thue_nha_co_can_mua_bao_hiem_nha_o_khong\" >IV. Ng\u01b0\u1eddi thu\u00ea nh\u00e0 c\u00f3 c\u1ea7n mua b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-nha-tu-nhan\/kinh-nghiem-thue-nha-an-toan-nguoi-thue-co-can-mua-bao-hiem-nha-o\/#Tong_ket\" >T\u1ed5ng k\u1ebft<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><strong><em>Thu\u00ea nh\u00e0 t\u01b0\u1edfng d\u1ec5 m\u00e0 kh\u00f3 v\u00ec nh\u00e0 thu\u00ea kh\u00f4ng thu\u1ed9c s\u1edf h\u1eefu ho\u00e0n to\u00e0n c\u1ee7a b\u1ea1n. Do \u0111\u00f3, n\u1ebfu kh\u00f4ng c\u00f3 nhi\u1ec1u kinh nghi\u1ec7m, b\u1ea1n c\u00f3 th\u1ec3 r\u01a1i v\u00e0o c\u00e1c b\u1eaby thu\u00ea nh\u00e0, ho\u1eb7c b\u1ecb h\u1edb khi \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng thu\u00ea. C\u1eadp nh\u1eadt nh\u1eefng kinh nghi\u1ec7m thu\u00ea nh\u00e0 h\u1eefu \u00edch d\u01b0\u1edbi \u0111\u00e2y v\u00e0 hi\u1ec3u v\u1ec1 c\u00e1c g\u00f3i <a href=\"https:\/\/www.saladin.vn\/bao-hiem-nha-tu-nhan\" title=\"b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf\">b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf<\/a> c\u1ea7n thi\u1ebft \u0111\u1ec3 thu\u00ea nh\u00e0 an to\u00e0n nh\u1ea5t cho b\u1ea1n v\u00e0 gia \u0111\u00ecnh g\u1eafn b\u00f3 l\u00e2u d\u00e0i.<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"709\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/01\/06135603\/kinh-nghiem-thue-nha-an-toan-nguoi-thue-co-can-mua-bao-hiem-nha-o-1024x709.jpg\" alt=\"\" class=\"wp-image-11442\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/01\/06135603\/kinh-nghiem-thue-nha-an-toan-nguoi-thue-co-can-mua-bao-hiem-nha-o-1024x709.jpg 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2023\/01\/06135603\/kinh-nghiem-thue-nha-an-toan-nguoi-thue-co-can-mua-bao-hiem-nha-o-300x208.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2023\/01\/06135603\/kinh-nghiem-thue-nha-an-toan-nguoi-thue-co-can-mua-bao-hiem-nha-o-768x531.jpg 768w, https:\/\/cdn-blog.saladin.vn\/contents\/2023\/01\/06135603\/kinh-nghiem-thue-nha-an-toan-nguoi-thue-co-can-mua-bao-hiem-nha-o.jpg 1445w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"I_Nhung_kinh_nghiem_thue_nha_huu_ich_Cac_buoc_quan_trong_khi_di_thue_nha\"><\/span><strong>I. Nh\u1eefng kinh nghi\u1ec7m thu\u00ea nh\u00e0 h\u1eefu <\/strong>\u00edch: <strong>C\u00e1c b\u01b0\u1edbc quan tr\u1ecdng khi \u0111i thu\u00ea nh\u00e0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">X\u00e1c \u0111\u1ecbnh nhu c\u1ea7u c\u1ea7n thi\u1ebft nh\u1ea5t khi thu\u00ea nh\u00e0<\/h3>\n\n\n\n<p>B\u1ea1n lu\u00f4n c\u00f3 r\u1ea5t nhi\u1ec1u ti\u00eau ch\u00ed khi thu\u00ea nh\u00e0, nh\u01b0ng s\u1ebd r\u1ea5t kh\u00f3 \u0111\u1ec3 t\u00ecm \u0111\u01b0\u1ee3c c\u0103n nh\u00e0 \u0111\u00e1p \u1ee9ng m\u1ecdi y\u00eau c\u1ea7u. Do \u0111\u00f3, b\u1ea1n c\u1ea7n x\u00e1c \u0111\u1ecbnh 1-2 nhu c\u1ea7u c\u1ea7n thi\u1ebft nh\u1ea5t, v\u00ed d\u1ee5: g\u1ea7n c\u01a1 quan b\u1ed1 m\u1eb9\/ tr\u01b0\u1eddng h\u1ecdc c\u1ee7a con, c\u00f3 s\u1eb5n n\u1ed9i th\u1ea5t, khu d\u00e2n tr\u00ed cao, g\u1ea7n khu d\u00e2n c\u01b0 \u0111\u00f4ng \u0111\u00fac \u0111\u1ec3 ti\u1ec7n bu\u00f4n b\u00e1n&#8230; Khi m\u1ee5c ti\u00eau r\u00f5 r\u00e0ng h\u01a1n, b\u1ea1n c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng khoanh v\u00f9ng \u0111\u01b0\u1ee3c m\u1ed9t v\u00e0i l\u1ef1a ch\u1ecdn ti\u1ec1m n\u0103ng \u0111\u1ec3 h\u1eb9n xem nh\u00e0.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">X\u00e1c \u0111\u1ecbnh chi ph\u00ed thu\u00ea nh\u00e0<\/h3>\n\n\n\n<p>Khoanh v\u00f9ng chi ph\u00ed thu\u00ea nh\u00e0 c\u00f3 th\u1ec3 tr\u1ea3 l\u00e0 b\u01b0\u1edbc quan tr\u1ecdng \u0111\u1ec3 l\u1ecdc ra nh\u1eefng n\u01a1i gi\u00e1 qu\u00e1 cao. <strong><em>H\u00e3y h\u1ecfi k\u0129 c\u00e1c chi ph\u00ed ph\u00e1t sinh nh\u01b0 \u0111i\u1ec7n, n\u01b0\u1edbc, r\u00e1c, Internet, ph\u00ed g\u1eedi xe, ph\u00ed sinh ho\u1ea1t (n\u1ebfu thu\u00ea chung c\u01b0) \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o b\u1ea1n c\u00f3 th\u1ec3 ki\u1ec3m so\u00e1t t\u1ed5ng chi ph\u00ed ph\u1ea3i tr\u1ea3 m\u1ed7i th\u00e1ng<\/em><\/strong>. N\u1ebfu kh\u00f4ng c\u00f3 nhi\u1ec1u ti\u1ec1n, h\u00e3y c\u00e2n nh\u1eafc l\u1ef1a ch\u1ecdn m\u1ed9t c\u0103n nh\u00e0 trong h\u1ebbm, ch\u01b0a c\u00f3 n\u1ed9i th\u1ea5t v\u00e0 d\u00e0nh th\u1eddi gian \u0111\u1ec3 t\u00e2n trang l\u1ea1i n\u00f3. Ngo\u00e0i ra, b\u1ea1n n\u00ean <strong><em>ki\u1ec3m tra v\u00e0 ghi l\u1ea1i s\u1ed1 \u0111i\u1ec7n, s\u1ed1 n\u01b0\u1edbc tr\u01b0\u1edbc khi nh\u1eadn b\u00e0n giao nh\u00e0<\/em><\/strong> \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o tr\u1ea3 \u0111\u00fang ph\u1ea7n m\u00ecnh \u0111\u00e3 x\u00e0i.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ki\u1ec3m tra c\u00e1c thi\u1ebft b\u1ecb n\u1ed9i th\u1ea5t (\u0111\u01b0\u1ee3c b\u00e0n giao) trong nh\u00e0<\/h3>\n\n\n\n<p>B\u1ea1n c\u1ea7n ki\u1ec3m tra nh\u1eefng v\u1eadt d\u1ee5ng nh\u01b0 \u1ed5 \u0111i\u1ec7n, kh\u00f3a c\u1eeda, b\u00f3ng \u0111\u00e8n, v\u00f2i n\u01b0\u1edbc, b\u00ecnh n\u00f3ng l\u1ea1nh,&#8230; xem c\u00f3 h\u01b0 h\u1ecfng kh\u00f4ng, n\u1ebfu c\u00f3 th\u00ec c\u1ea7n b\u00e1o \u0111\u1ec3 ch\u1ee7 nh\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m s\u1eeda ch\u1eefa tr\u01b0\u1edbc khi b\u00e0n giao. C\u00e1c thi\u1ebft b\u1ecb \u0111\u01b0\u1ee3c b\u00e0n giao c\u0169ng c\u1ea7n \u0111\u01b0\u1ee3c ghi r\u00f5 trong h\u1ee3p \u0111\u1ed3ng thu\u00ea nh\u00e0 \u0111\u1ec3 kh\u00f4ng b\u1ecb ch\u1ee7 b\u1eaft b\u1edb khi tr\u1ea3 l\u1ea1i nh\u00e0.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">N\u1eafm r\u00f5 v\u1ec1 ti\u1ec1n \u0111\u1eb7t c\u1ecdc<\/h3>\n\n\n\n<p>Trong h\u1ee3p \u0111\u1ed3ng thu\u00ea nh\u00e0 ph\u1ea3i ghi r\u00f5 m\u1ee9c \u0111\u1eb7t c\u1ecdc v\u00e0 \u0111i\u1ec1u ki\u1ec7n b\u1ecb tr\u1eeb c\u1ecdc, \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 nh\u1eadn l\u1ea1i c\u1ecdc sau khi tr\u1ea3 l\u1ea1i nh\u00e0. S\u1ed1 ti\u1ec1n \u0111\u1eb7t c\u1ecdc th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00ednh b\u1eb1ng 1-2 th\u00e1ng ti\u1ec1n nh\u00e0. H\u1ee3p \u0111\u1ed3ng cho thu\u00ea nh\u00e0 nguy\u00ean c\u0103n c\u00f3 th\u1eddi h\u1ea1n t\u1eeb 6 th\u00e1ng tr\u1edf l\u00ean ph\u1ea3i c\u00f3 c\u00f4ng ch\u1ee9ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh ph\u00e1p l\u00fd.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"II_Kinh_nghiem_thue_nha_nguyen_can\"><\/span><strong>II. Kinh nghi\u1ec7m thu\u00ea nh\u00e0 nguy\u00ean c\u0103n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Khi thu\u00ea nh\u00e0 nguy\u00ean c\u0103n (kh\u00f4ng ph\u1ea3i chung c\u01b0) b\u1ea1n c\u1ea7n l\u01b0u \u00fd nh\u1eefng v\u1ea5n \u0111\u1ec1 sau:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ki\u1ec3m tra nguy c\u01a1 ng\u1eadp n\u01b0\u1edbc<\/h3>\n\n\n\n<p>Ng\u1eadp khi m\u01b0a to l\u00e0 n\u1ed7i \u00e1m \u1ea3nh v\u1edbi nh\u1eefng c\u0103n nh\u00e0 m\u1eb7t \u0111\u1ea5t. Do \u0111\u00f3, m\u1ed9t kinh nghi\u1ec7m thu\u00ea nh\u00e0 quan tr\u1ecdng l\u00e0 b\u1ea1n n\u00ean quan s\u00e1t xem n\u1ec1n nh\u00e0 c\u00f3 b\u1ecb th\u1ea5p h\u01a1n so v\u1edbi m\u1eb7t \u0111\u01b0\u1eddng hay kh\u00f4ng. Ho\u1eb7c d\u00f2 h\u1ecfi ch\u1ee7 nh\u00e0 hay h\u00e0ng x\u00f3m xung quanh v\u1ec1 t\u00ecnh tr\u1ea1ng ng\u1eadp n\u01b0\u1edbc, m\u1ee9c \u0111\u1ed9 \u1ea3nh h\u01b0\u1edfng b\u1edfi tri\u1ec1u c\u01b0\u1eddng c\u1ee7a khu v\u1ef1c \u0111\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ki\u1ec3m tra nh\u00e0 v\u1ec7 sinh v\u00e0 h\u1ec7 th\u1ed1ng n\u01b0\u1edbc<\/h3>\n\n\n\n<p>\u0110i\u1ec1u n\u00e0y r\u1ea5t quan tr\u1ecdng v\u1edbi sinh ho\u1ea1t h\u1eb1ng ng\u00e0y c\u1ee7a b\u1ea1n v\u00e0 gia \u0111\u00ecnh. Khi thu\u00ea nh\u00e0 nguy\u00ean c\u0103n th\u00ec h\u1ec7 th\u1ed1ng n\u01b0\u1edbc kh\u00f3 c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o ti\u00eau chu\u1ea9n nh\u01b0 khi \u1edf chung c\u01b0. Do \u0111\u00f3, h\u00e3y d\u00e0nh nhi\u1ec1u th\u1eddi gian ki\u1ec3m tra xem:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nh\u00e0 v\u1ec7 sinh c\u00f3 s\u1ea1ch s\u1ebd kh\u00f4ng? C\u00f3 th\u00f4ng gi\u00f3 kh\u00f4ng?&nbsp;<\/li>\n\n\n\n<li>H\u1ec7 th\u1ed1ng tho\u00e1t n\u01b0\u1edbc c\u00f3 t\u1ed1t kh\u00f4ng? n\u01b0\u1edbc sinh ho\u1ea1t c\u00f3 s\u1ea1ch s\u1ebd v\u00e0 \u1ed5n \u0111\u1ecbnh kh\u00f4ng? C\u00f3 m\u00f9i l\u1ea1 kh\u00f4ng?&#8230;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ki\u1ec3m tra an ninh c\u1ee7a khu v\u1ef1c xung quanh:<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ki\u1ec3m tra \u0111i\u1ec1u ki\u1ec7n an ninh<\/h3>\n\n\n\n<p>Nh\u00e0 m\u1eb7t \u0111\u1ea5t s\u1ebd kh\u00f4ng c\u00f3 ban qu\u1ea3n l\u00fd hay \u0111\u1ed9i b\u1ea3o v\u1ec7 nh\u01b0 \u1edf chung c\u01b0. Do \u0111\u00f3, b\u1ea1n c\u1ea7n xem x\u00e9t:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Khu v\u1ef1c xung quanh c\u00f3 \u0111\u1ea3m b\u1ea3o an ninh kh\u00f4ng?<\/li>\n\n\n\n<li>H\u00e0ng x\u00f3m c\u00f3 th\u00e2n thi\u1ec7n \u0111\u1ec3 c\u00f3 th\u1ec3 gi\u00fap \u0111\u1ee1 khi c\u1ea7n kh\u00f4ng?<\/li>\n\n\n\n<li>\u0110\u01b0\u1eddng c\u00f3 l\u1eafp camera kh\u00f4ng, c\u00f3 g\u1ea7n tr\u1ee5 s\u1edf c\u00f4ng an hay t\u1ed5 d\u00e2n ph\u1ed1 n\u00e0o kh\u00f4ng\u2026?<\/li>\n\n\n\n<li>H\u1ea1n ch\u1ebf thu\u00ea nh\u00e0 \u1edf c\u00e1c ng\u00f5 v\u1eafng v\u00ec d\u1ec5 x\u1ea3y ra tr\u1ed9m c\u01b0\u1edbp, t\u1ec7 n\u1ea1n v\u00e0o ban \u0111\u00eam.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"III_Kinh_nghiem_thue_nha_chung_cu\"><\/span><strong>III. Kinh nghi\u1ec7m thu\u00ea nh\u00e0 chung c\u01b0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>V\u1edbi \u0111\u1eb7c th\u00f9 c\u1ee7a nh\u00e0 chung c\u01b0 l\u00e0 \u1edf chung, sinh ho\u1ea1t chung, b\u1ea1n c\u1ea7n l\u01b0u \u00fd c\u00e1c v\u1ea5n \u0111\u1ec1 sau:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ki\u1ec3m tra nhi\u1ec7t \u0111\u1ed9, h\u01b0\u1edbng gi\u00f3 trong nh\u00e0<\/h3>\n\n\n\n<p>T\u00f9y khu v\u1ef1c m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 ch\u1ecdn \u0111\u1ebfn xem nh\u00e0 v\u00e0o bu\u1ed5i tr\u01b0a hay bu\u1ed5i t\u1ed1i \u0111\u1ec3 ki\u1ec3m tra xem:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>C\u0103n nh\u00e0 c\u00f3 b\u1ecb n\u00f3ng qu\u00e1 hay l\u1ea1nh qu\u00e1 kh\u00f4ng?<\/li>\n\n\n\n<li>H\u01b0\u1edbng gi\u00f3 l\u00e0 h\u01b0\u1edbng n\u00e0o? C\u00f3 \u0111\u1ee7 c\u1eeda s\u1ed5 th\u00f4ng gi\u00f3 kh\u00f4ng? C\u0103n nh\u00e0 c\u00f3 b\u1ecb b\u00ed b\u00e1ch hay thi\u1ebfu gi\u00f3 qu\u00e1 kh\u00f4ng? V\u00e0 nh\u1edb h\u1ecfi ch\u1ee7 nh\u00e0 c\u00e1ch kh\u1eafc ph\u1ee5c n\u1ebfu c\u00f3.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ki\u1ec3m tra c\u00e1c bi\u1ec7n ph\u00e1p Ph\u00f2ng ch\u00e1y ch\u1eefa ch\u00e1y<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>H\u1ec7 th\u1ed1ng chu\u00f4ng b\u00e1o ch\u00e1y, c\u1ea3m \u1ee9ng kh\u00f3i trong c\u0103n h\u1ed9<\/li>\n\n\n\n<li>Ch\u1ed7 \u0111\u1eb7t h\u1ed9p c\u1ee9u ho\u1ea3 c\u00f3 thu\u1eadn ti\u1ec7n kh\u00f4ng? L\u1ed1i tho\u00e1t hi\u1ec3m c\u00f3 g\u1ea7n c\u0103n h\u1ed9 c\u1ee7a b\u1ea1n kh\u00f4ng?<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>H\u1ecfi k\u0129 ch\u1ee7 nh\u00e0 xem nh\u1eefng ph\u1ea7n n\u00e0o b\u1ea1n c\u00f3 th\u1ec3 s\u1eeda ch\u1eefa, thay m\u1edbi, nh\u1eefng ph\u1ea7n n\u00e0o kh\u00f4ng th\u1ec3 do ch\u1ee7 nh\u00e0 kh\u00f4ng mu\u1ed1n ho\u1eb7c ban qu\u1ea3n l\u00fd chung c\u01b0 kh\u00f4ng cho ph\u00e9p.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"IV_Nguoi_thue_nha_co_can_mua_bao_hiem_nha_o_khong\"><\/span><strong>IV. Ng\u01b0\u1eddi thu\u00ea nh\u00e0 c\u00f3 c\u1ea7n mua <a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bao-hiem-nha-o\/\" title=\"b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf\">b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf<\/a> kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ng\u01b0\u1eddi thu\u00ea nh\u00e0 n\u00ean mua b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf to\u00e0n di\u1ec7n cho c\u0103n nh\u00e0 trong tr\u01b0\u1eddng h\u1ee3p h\u1ee3p \u0111\u1ed3ng thu\u00ea nh\u00e0 c\u00f3 ghi r\u00f5 th\u1ecfa thu\u1eadn ng\u01b0\u1eddi thu\u00ea ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m g\u00ecn gi\u1eef, tr\u00f4ng coi v\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1edbi c\u00e1c thi\u1ec7t h\u1ea1i \u0111\u1ed1i v\u1edbi ng\u00f4i nh\u00e0 v\u00e0 t\u00e0i s\u1ea3n b\u00ean trong nh\u00e0.<\/p>\n\n\n\n<p>N\u1ebfu kh\u00f4ng, ng\u01b0\u1eddi thu\u00ea c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m ri\u00eang cho ph\u1ea7n t\u00e0i s\u1ea3n b\u00ean trong thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu ri\u00eang c\u1ee7a m\u00ecnh. Theo nhi\u1ec1u kinh nghi\u1ec7m thu\u00ea nh\u00e0 chia s\u1ebb l\u1ea1i, c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf m\u00e0 ng\u01b0\u1eddi thu\u00ea nh\u00e0 n\u00ean c\u00e2n nh\u1eafc g\u1ed3m c\u00f3:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. B\u1ea3o hi\u1ec3m nh\u00e0 \u1edf t\u01b0 nh\u00e2n<\/strong><\/h3>\n\n\n\n<p>Khi mua lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf t\u01b0 nh\u00e2n qua <strong>Saladin<\/strong>, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd ch\u1ecbu tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng cho nh\u1eefng thi\u1ec7t h\u1ea1i g\u00e2y ra b\u1edfi c\u00e1c r\u1ee7i ro b\u1ea5t ng\u1edd, n\u1eb1m trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m nh\u01b0:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>H\u1ecfa ho\u1ea1n, s\u00e9t \u0111\u00e1nh; ch\u00e1y, n\u1ed5;&nbsp;<\/li>\n\n\n\n<li>M\u00e1y bay v\u00e0 c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n h\u00e0ng kh\u00f4ng kh\u00e1c r\u01a1i v\u00e0o<\/li>\n\n\n\n<li>B\u00e3o, l\u0169 l\u1ee5t; \u0111\u1ed9ng \u0111\u1ea5t,&#8230;<\/li>\n\n\n\n<li>Tr\u00e0n n\u01b0\u1edbc t\u1eeb c\u00e1c b\u1ec3 ch\u1ee9a hay \u0111\u01b0\u1eddng \u1ed1ng d\u1eabn;&nbsp;<\/li>\n\n\n\n<li>Xe c\u1ed9 hay s\u00fac v\u1eadt kh\u00f4ng thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ch\u1eb3ng may \u0111\u00e2m v\u00e0o<\/li>\n\n\n\n<li>Tr\u1ed9m c\u1eafp.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. B\u1ea3o hi\u1ec3m nh\u00e0 \u1edf cho chung c\u01b0<\/strong><\/h3>\n\n\n\n<p><strong>B\u1ea3o hi\u1ec3m nh\u00e0 chung c\u01b0<\/strong> c\u00f3 c\u00e1c quy\u1ec1n l\u1ee3i c\u01a1 b\u1ea3n gi\u1ed1ng v\u1edbi b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf t\u01b0 nh\u00e2n, nh\u01b0ng c\u00f3 nh\u1eefng l\u1ef1a ch\u1ecdn quy\u1ec1n l\u1ee3i ph\u00f9 h\u1ee3p cho ng\u01b0\u1eddi \u1edf c\u00e1c c\u0103n h\u1ed9 chung c\u01b0.<\/p>\n\n\n\n<p>B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u k\u1ef9 h\u01a1n v\u1ec1 <a href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-nha-tu-nhan\/bao-hiem-nha-chung-cu-la-gi-co-bat-buoc-khong\/\"><strong>b\u1ea3o hi\u1ec3m nh\u00e0 chung c\u01b0<\/strong><\/a> tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh ch\u1ecdn mua nh\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 b\u1eaft bu\u1ed9c<\/strong><\/h3>\n\n\n\n<p>B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 b\u1eaft bu\u1ed9c l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf m\u00e0 ch\u1ee7 c\u0103n h\u1ed9 c\u1ea7n ph\u1ea3i mua, do \u0111\u00f3 h\u00e3y th\u01b0\u01a1ng l\u01b0\u1ee3ng v\u1ec1 ph\u00ed thu\u00ea nh\u00e0 n\u1ebfu ch\u1ee7 c\u0103n h\u1ed9 mu\u1ed1n b\u1ea1n t\u1ef1 mua b\u1ea3o hi\u1ec3m nh\u00e9. B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 b\u1ed3i th\u01b0\u1eddng cho thi\u1ec7t h\u1ea1i li\u00ean quan \u0111\u1ebfn ch\u00e1y n\u1ed5 ngo\u00e0i \u00fd mu\u1ed1n v\u1edbi c\u00e1c h\u00ecnh th\u1ee9c: tr\u1ea3 ti\u1ec1n s\u1eeda ch\u1eefa, gi\u00fap s\u1eeda ch\u1eefa t\u00e0i s\u1ea3n b\u1ecb thi\u1ec7t h\u1ea1i, thay m\u1edbi t\u00e0i s\u1ea3n b\u1ecb thi\u1ec7t h\u1ea1i.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tong_ket\"><\/span>T\u1ed5ng k\u1ebft<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Hi v\u1ecdng v\u1edbi nh\u1eefng kinh nghi\u1ec7m thu\u00ea nh\u00e0 h\u1eefu \u00edch tr\u00ean, b\u1ea1n s\u1ebd s\u1edbm t\u00ecm \u0111\u01b0\u1ee3c m\u1ed9t c\u0103n nh\u00e0 \u01b0ng \u00fd, an to\u00e0n, c\u00f3 th\u1ec3 sinh s\u1ed1ng l\u00e2u d\u00e0i, \u0111\u1ed3ng th\u1eddi trang b\u1ecb c\u00e1c g\u00f3i <strong>b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf <\/strong>t\u1ed1t nh\u1ea5t gi\u00fap gia \u0111\u00ecnh y\u00ean t\u00e2m h\u01a1n tr\u01b0\u1edbc c\u00e1c r\u1ee7i ro trong qu\u00e1 tr\u00ecnh sinh s\u1ed1ng \u1edf nh\u00e0 thu\u00ea.<\/p>\n\n\n\n<p>Truy c\u1eadp <a href=\"https:\/\/www.saladin.vn\/blog\/saladin-co-gi-moi\/bao-hiem-mot-cham-saladin\/\" title=\"\">n\u1ec1n t\u1ea3ng b\u1ea3o hi\u1ec3m c\u00f4ng ngh\u1ec7 <strong>Saladin<\/strong><\/a> qua website ho\u1eb7c app \u0111\u1ec3 t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf t\u1eeb nh\u1eefng nh\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u, c\u00f9ng quy tr\u00ecnh th\u1ef1c hi\u1ec7n online nhanh ch\u00f3ng, chuy\u00ean nghi\u1ec7p gi\u00fap b\u1ea1n kh\u00f4ng m\u1ea5t qu\u00e1 nhi\u1ec1u th\u1eddi gian \u0111\u1ec3 s\u1edf h\u1eefu m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf ph\u00f9 h\u1ee3p nh\u1ea5t cho m\u00ecnh. <\/p>\n\n\n\n<p><strong>C\u00e1c g\u00f3i <a href=\"https:\/\/www.saladin.vn\/bao-hiem-nha-tu-nhan\" title=\"b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf\">b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf<\/a><\/strong>\u00a0\u0111a d\u1ea1ng t\u1eeb nh\u1eefng c\u00f4ng ty b\u1ea3o hi\u1ec3m uy t\u00edn (b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf B\u1ea3o Vi\u1ec7t, b\u1ea3o hi\u1ec3m nh\u00e0 B\u1ea3o Minh,\u00a0<strong>b\u1ea3o hi\u1ec3m nh\u00e0 t\u01b0 nh\u00e2n<\/strong>\u00a0to\u00e0n di\u1ec7n Liberty Homecare\u2026)-<a href=\"https:\/\/www.saladin.vn\/blog\/saladin-co-gi-moi\/saladin-baoviet-ki-ket-hop-tac-chien-luoc\/\">\u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c c\u1ee7a Saladin<\/a>, s\u1ebd gi\u00fap \u0111\u1ea3m b\u1ea3o qu\u00e1 tr\u00ecnh kinh doanh n\u01a1i l\u01b0u tr\u00fa c\u1ee7a b\u1ea1n di\u1ec5n ra an to\u00e0n nh\u1ea5t.<\/p>\n\n\n\n<p class=\"has-neutral-color has-text-color has-link-color wp-elements-b437948250e73815526d419624d9b6b3\"><em>B\u00e0i vi\u1ebft ch\u1ec9 mang t\u00ednh ch\u1ea5t tham kh\u1ea3o. Vui l\u00f2ng li\u00ean h\u1ec7 v\u1edbi Saladin \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u00e0 h\u1ed7 tr\u1ee3 t\u00ecm \u0111\u01b0\u1ee3c c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p.<\/em><\/p>\n\n\n<div class=\"wp-block-ub-divider ub_divider ub-divider-orientation-horizontal\" id=\"ub_divider_7fb4fb86-0bbe-4916-b312-3c5a8bed64e5\"><div class=\"ub_divider_wrapper\" style=\"position: relative; margin-bottom: 2px; width: 100%; height: 2px; \" data-divider-alignment=\"center\"><div class=\"ub_divider_line\" style=\"border-top: 2px solid #ccc; margin-top: 2px; \"><\/div><\/div><\/div>\n\n\n<p class=\"has-text-align-center\"><strong>M\u1eccI NHU C\u1ea6U T\u01af V\u1ea4N V\u00c0 TH\u1eaeC M\u1eaeC LI\u00caN H\u1ec6<\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-829b1d53 wp-block-columns-is-layout-flex\" style=\"margin-bottom:0\">\n<div class=\"wp-block-column has-text-color has-background has-link-color wp-elements-57dcfbfab3f79008775569f15cda7bcd is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#ffe7a9;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<p class=\"has-text-align-center has-normal-font-size\" style=\"line-height:0.5\"><strong>Hotline<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:20px;font-style:normal;font-weight:700;line-height:0.1\">1900 638 454<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-css-opacity has-background is-style-wide\" style=\"background-color:#000000;color:#000000\"\/>\n\n\n<div style=\"--ub-icon-rotation:rotate(0deg);--ub-icon-size:40px;--ub-icon-justification:center;--ub-icon-border-top:  undefined;--ub-icon-border-right:  undefined;--ub-icon-border-bottom:  undefined;--ub-icon-border-left:  undefined\" class=\"wp-block-ub-icon\" id=\"ub-icon-6fe39665-9687-4805-a08b-8cb9136d0eed\"><div class=\"ub_icon\"><div class=\"ub_icon_wrapper\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-text-color has-background has-link-color wp-elements-f9eb0e952eefc6334c0ed0cca37a0b77 is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#d0cef3;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<p class=\"has-text-align-center has-normal-font-size\" style=\"line-height:0.5\"><strong>Email<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:20px;font-style:normal;font-weight:700;line-height:0.1\">cs@saladin.vn<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-black-color has-alpha-channel-opacity has-black-background-color has-background is-style-wide\"\/>\n\n\n<div style=\"--ub-icon-rotation:rotate(0deg);--ub-icon-size:40px;--ub-icon-justification:center;--ub-icon-border-top:  undefined;--ub-icon-border-right:  undefined;--ub-icon-border-bottom:  undefined;--ub-icon-border-left:  undefined\" class=\"wp-block-ub-icon\" id=\"ub-icon-f3a12b16-4fe6-4a09-9d7c-ddf1ba2433b2\"><div class=\"ub_icon\"><div class=\"ub_icon_wrapper\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M20,4H4C2.895,4,2,4.895,2,6v12c0,1.105,0.895,2,2,2h16c1.105,0,2-0.895,2-2V6C22,4.895,21.105,4,20,4z M20,8.236l-8,4.882 L4,8.236V6h16V8.236z\"><\/path><\/svg><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-text-color has-background has-link-color wp-elements-e813327978d5c9622d233ca6561fe404 is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#8cece0;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<p class=\"has-text-align-center has-normal-font-size\" style=\"line-height:0.5\"><strong>Website<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:20px;font-style:normal;font-weight:700;line-height:0.1\">saladin.vn<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-black-color has-alpha-channel-opacity has-black-background-color has-background is-style-wide\"\/>\n\n\n<div style=\"--ub-icon-rotation:rotate(0deg);--ub-icon-size:40px;--ub-icon-justification:center;--ub-icon-border-top:  undefined;--ub-icon-border-right:  undefined;--ub-icon-border-bottom:  undefined;--ub-icon-border-left:  undefined\" class=\"wp-block-ub-icon\" id=\"ub-icon-7c3843d8-7f5c-4f60-8526-a7681251c1a4\"><div class=\"ub_icon\"><div class=\"ub_icon_wrapper\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 496 512\"><path d=\"M336.5 160C322 70.7 287.8 8 248 8s-74 62.7-88.5 152h177zM152 256c0 22.2 1.2 43.5 3.3 64h185.3c2.1-20.5 3.3-41.8 3.3-64s-1.2-43.5-3.3-64H155.3c-2.1 20.5-3.3 41.8-3.3 64zm324.7-96c-28.6-67.9-86.5-120.4-158-141.6 24.4 33.8 41.2 84.7 50 141.6h108zM177.2 18.4C105.8 39.6 47.8 92.1 19.3 160h108c8.7-56.9 25.5-107.8 49.9-141.6zM487.4 192H372.7c2.1 21 3.3 42.5 3.3 64s-1.2 43-3.3 64h114.6c5.5-20.5 8.6-41.8 8.6-64s-3.1-43.5-8.5-64zM120 256c0-21.5 1.2-43 3.3-64H8.6C3.2 212.5 0 233.8 0 256s3.2 43.5 8.6 64h114.6c-2-21-3.2-42.5-3.2-64zm39.5 96c14.5 89.3 48.7 152 88.5 152s74-62.7 88.5-152h-177zm159.3 141.6c71.4-21.2 129.4-73.7 158-141.6h-108c-8.8 56.9-25.6 107.8-50 141.6zM19.3 352c28.6 67.9 86.5 120.4 158 141.6-24.4-33.8-41.2-84.7-50-141.6h-108z\"><\/path><\/svg><\/div><\/div><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Thu\u00ea nh\u00e0 t\u01b0\u1edfng d\u1ec5 m\u00e0 kh\u00f3 v\u00ec nh\u00e0 thu\u00ea kh\u00f4ng thu\u1ed9c s\u1edf h\u1eefu ho\u00e0n to\u00e0n c\u1ee7a b\u1ea1n. 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