Vanhu vazhinji vanofunga izvi sarudzo nokuti kana iwe uchienda kuyejiji iwe kazhinji unotora zvinhu zvakawanda newe iwe unokosha kwazvo, semakanda, zvigadzirwa zvezvinhu zvekare nezvimwe zvinhu.
Ndeapi Ngozi?
Icho chinogona kubatsira kuti unzwisise kuti huwandu hwemhosva kana hupombwe huripi pane yako yekoroji dorm kana campus. Iwe unogona kutarisa hurumende nehurumende urongwa hwemhosva pamakorojiji ekoroji.
Kutungamira kune Inishuwarenzi Ongororo yeChikoro Vadzidzi muDzimba kana Rental Apartments
Kuziva zviisarudzo zvekukolisi mudzidzi inshuwarisi kuchakubatsira iwe kuti uite chisarudzo pamusoro pehupi yunishuwarenzi yaunoda kuitenga, uye inogona kukubatsira iwe kushandisa zvakanakira kuvharwa pasina.
Ndeipi Inzira Yakanakisisa Yokugadzirisa Purogiramu Yevadzidzi Yevadzidzi?
Vadzidzi vanoenda kuzvikoro kure nemusha uye kuenda kuchikoro, pamwe chete nevabereki vavo vanowanzoshamisika kuti pfuma yavo ichave yakafukidzwa sei nemishandisi yemishonga yevabereki. Vanhu vazhinji vanofunga kuti mhinduro yekuvhara dzidzo yevadzidzi iri kutenga mutemo wevaridzi. Zvisinei, kune zvimwe zvingasarudzwa zvinogona kukuchengetedza mari.
Unofanira Kutenga Purojekiti yeRe Renters yeChikoro Vadzidzi?
Inyanzvi yevaridzi haisi nguva dzose inofanirwa kuchengetedza pfuma yevadzidzi. Icho chisarudzo, asi kune dzimwe nzira dzokuwana inshuwarisi iyo inogona kusabatanidza chero mari yakawedzerwa. Kubhadhara kwekorojiji kunodhura zvakakwana, saka zvakanaka kuti uzive zvaunogona kuita kuti uwane nzira dzekuchengeta mari.
Nzira 3 Dzokuvhara Imba yeVadzidzi veKiriji Kubva Pamba
- Tenga Renters Insurance Package yeVadzidzi : Mari inenge iri $ 10- $ 25 madhora pamwedzi. Iyi mitemo ichabatanidza kuvharwa kwebato uye zvimwe zvekushandisa mari yekushandisa mari iyo inobatsira zvikuru kana nzvimbo yako yekugara isingagariki nekurashikirwa kwakafukidzwa. Inokupa iwe mari yakakodzera yekubhadhara panzvimbo yechinguva yekugara.
- Tenga Chikoro Chekudzidzira Pamba Chekudzidzira Kwevanhu kana Dorishuwarenzi Duru Inoshandiswa: Mari inenge ichinyanya kukoshesa purogiramu yevaridzi, zvinyorwa zvingave zvisingakwanisi zvichienderana neurongwa hwaunotora. Chenjerera kuti mutoro ungasakwanikidzwa mumhando idzi dzemitemo, saka iva nechokwadi uye ubvunze nezvekuwedzera pane. Kukanganiswa pamhando iyi yemutemo kunogona kuva yakaderera, uye kunogona kutanga pa $ 25.
- Shandisa zvinyorwa zve "kusununguka" zvinowanikwa mumutemo weimba yemubereki. Inowanzobatanidzwa sechikamu chemurairo uye inongowedzera huwandu hwekugoverwa kwevadzidzi vekoroji kure kuchikoro. Kana kuwedzera kugoverwa kuchidiwa, zvibvumirano zvinogonawo kuwedzerwa pamusana pekudhura, uyewo mutoro.
Chii Chinodzidziswa neUniversity Student Insurance?
Izvo zvinoenderana nemhando yehupfumi inosarudza kusarudza. Pane imwe neimwe nzira nhatu dzakanyorwa pamusoro apa, unogona kusarudza zvaunogona, kuwedzera zvibvumirano kana zvinyorwa kuti uchengetedze zvinhu zvinei newe.
Ndeapi Dor Student Dorm kana Renters Insurance Unoda?
Kana iwe uri mudzidzi wemimhanzi kana mudzidzi wekupikisa, somuenzaniso, unogona kudiwa kuwana ruzivo rwakakosha rwezviridzwa zvemimhanzi, kana kuti yako yose kamera midziyo uye lenzi. Kana iwe uchange uri kushandisa bhasikoro kuti uende, iwe unogona kuwana bhasikoro rinokosha inshuwarheni kana kubvunza kana kugoverwa kwako kune muganhu wekuti ingani ichabhadharwa bhasikoro.
Izvo zvinoenda kune vatambi uye mitambo yemitambo.
Kana uri kutarisa kuti uve nechikoro chemunhu wekoljiji chakasunungurwa pasina rusununguko pasi pemubhadharo weimba yemubereki, zvino kuziva kukosha kwezvinhu zvako kunokosha zvakare nokuti mutemo wemubereki unogona kuva nemuganhu wehuwandu hwekugoverwa kwepfuma yevadzidzi kure kuchikoro .
Zano: Funga nezvezvinhu zvipi zvinokosha zvauchaunza newe, uye iva nechokwadi chokuti zvinhu zvakakosha zvinhu zvine ruzivo rwaunoda. Unoda here kukwanisa kuchinja zvinhu kana zvakabiwa kana kurasikirwa? Ita chokwadi uye ubvunze zvaunoda kuti uwane kugadzirisa kwakakwana mukutsvaga.
5 Zvinhu Zvinokosha Zvinofanira Kubvunza Pamusoro Pokutenga Chikoro Chevadzidzi Mudzimba kana Dorm Insurance
- Ndezvipi zvinokonzera kuvharwa pasi peinishuwarenzi yaunosarudza. Mimwe mienzaniso yengozi inogona kupiwa ndeyokubata, kusakatika kusinganzwisisiki, moto, kuparadza kwemvura . Kumbira zvakananga nezvehuwandu hwaunosarudza kutora. Ndiyo mazano ako All Risk / Open Perils, kana kuti Inonzi Perils?
- Ndezvipi zvinoita kuti zvinyorwa zvigadziriswe? Iwe uchawana mari here kuti uwane nzvimbo yacho? Iwe unoda here kutora chinhu ichocho usati wabhadhara mubhadharo wakakwana mune kuda ( Replacement Cost )? Iwe unongowana chete kukosha kweiyo (yakazivikanwawo seChechokwadi Cash Value kana ACV)?
- Uchapupu hupi huchadikanwa usati wabhadharwa mukutora?
- Chii chinonzi deductible?
- Ndezvipi zvehupenyu zvekubhadhara zvinowanikwa kana nzvimbo yako yekugara isingagari mumugariro wekutsvaga kana kurasikirwa?
Ndeapi Marudzi AInishuwarenzi Inoshandiswa Ko College Vadzidzi Vanoda?
Vadzidzi vakawanda vekuyunivhesiti vachada zvimwe zvinyorwa zvitsva zvakadai seimba inshuwarisi, inshuwarisi yemhosva, utano hwehutano uye motokari yveshuwa. Pamwe pfuma inshuwarisi uye inishuwarenzi yemhosva inowanikwa sevasarudzo kune renters insurance packages uye inogona kuwedzerwa kumutemo weimba yeimba yeimba semvumo. Imwe mitemo ichavhara zvakakwana mutoro weumwe wega mudzidzi kuenda kuchikoro (zvichienderana nekupera kwemakore nevamwe vanotakura).
Utano Inishuwarenzi yeChikoro Vadzidzi neCar Inshuwarheni haisi kuiswa muhutano hwemishandiro yerinishuwarenzi kana purogiramu yehupfumi hwehupfumi, naizvozvo inofanira kutengwa zvakasiyana
Hezvino chimwe chezvinyorwa izvi zvinogona kupa bhujhuseti uye mamwe mazano ekuwana mitengo yakaderedzwa, kana kuwana kugovera zvishoma.
Pfuma Yenyu Yveshu
Kodhidhiyo uye teknoloji inoita chikamu chinokosha chekomboti chevadzidzi. Zvinhu zvakadai semakombiyuta, makombiyuta, makamera ejjeri, iPadhesi, mahwendefa, iPods, iPhones nemamwe mafoni zvinogona kuwedzera nyore kusvika kumazana mashoma emadhora kana iya iya iya kana iya. Izvi kazhinji zvinhu izvo mudzidzi kana mubereki angazvidya mwoyo pamusoro pese paanenge achienda kuchikoro uye achigara kugara mu dorm, imba kana imba kubva kumba.
Pamwe pfuma yunivhesiti inogona kuvhara zvinhu zvemuzvidzidzo zvomudzidzi, kusanganisira magetsi uye tech zvinhu. Pamwe pfuma yunivhesiti yevadzidzi vanovharawo nguvo dzavo, mabhuku, uye chero "chinotengeswa" chavanouya navo muimba yavo itsva. Izvi zvinozivikanwawo sezviri mukati, verenga zvakawanda pamusoro pezvakafukidzirwa munyaya yedu pamusoro pehupenyu yveshuwarenzi .
Pfuma Yomudzidzi Yomudzidzi paIndaneti
Vadzidzi vagara vachitakura zvinhu zvakawanda navo pamusasa. Paunenge uchitenga inshuwarisi, kana kushandisa imba yemubereki inshuwarisi yemutemo wekugoverwa kwevadzidzi vekoroji, iva nechokwadi uye ubvunze pamusoro pemiganhu inokosha ye inshuwarisi uye kana pane muganhu kana kuvhara nzvimbo.
Izvi zvichakubatsira kunzwisisa kana iwe uchida mamwe inshuwarisi, kana kana zvose zvichange zvakanyatsofukidzwa pane chirongwa chaunotenga. Kana zvinhu zvako zviri kuendeswa nguva dzose nemwi pamafambiro, kana kuti kuraibhurari uye iwe wozoona kuti kune mhedziso kune zvikwereti zvinotengwa nefoni yako, teknolojia kana zvimwe zvigadzirwa, iwe unogona kunge usiri kufara kana pane kudai. Bvunza mubvunzo uyu kuna ani nani unosarudza kuwana yako yekoroji yeimba yehupfumi inshumo yekugovera kubva.
Kunzwisisa Deductible yako uye Inishuwarenzi
Mitemo yakasiyana yakagadzirirwa zvakasiyana. Iyo yakagadziriswa ndiyo mari yemari yauchabhadhara musati mvumo yakavharwa.
Somuenzaniso, kana iwe wepafoni yako yakabiwa uye inokwana $ 1 000 kuti uende, uye iwe une deductible yemadhora mazana mashanu, ipapo iwe paunenge uchitaura kubvisa nzvimbo yako yakabiwa, iwe uchabhadhara $ 500, uye iyo inshuwarisi inobhadhara zorora. Kana iwe uine pasi yakaderera ye $ 25, somuenzaniso, iwe uchabhadhara $ 25 yekutanga uye kambani yako ye inshuwarisi ichabhadhara $ 975. Iwe unogona kuona kuti iyo deductible inokonzera kusiyana kwakadini mumari yakawanda yaunogona kubhadharwa mumutsara.
Vanhu vanowanzosarudza kudarika zvakanyanya kuderedza mari . Kuvadzidzi vekukoloni, kukosha kweimba yako pachako hakungave yakakwirira, uye miganhu yakadaro inotsvaga inova yakakosha kuziva.
Kana iwe ukasarudza kuisa inshuwarisi pasi pemubhadharo weimba yemubhadhari weimba inogona kuve yakakodzwa yakakosha kana iyo yakabviswa ingave yakangofanana nemutemo weimba.
Mumamiriro ezvinhu apo munhu anosarudza kuti asakwanisa kubhadharwa, vanogona kusarudza kuwedzera zvimwe zvinhu, sepa laptop, kana kuti foni kuenda kune imwe nzvimbo yepamusoro kana kuti kubvumirana . Izvi zvinodhura mari yakawanda asi inogona kupa chinyorwa pasina deductible .
Ko Vadzidzi VemuChikoro Vanogara Navo Vasungwa?
Ndivo chete vanonzi inshuwarisi kana avo vanowira pasi peshoko re inshuwarheni vanochengeterwa inshuwarisi painishuwarenzi.
Kana iwe waunogara naye akawana inshuwarisi, hazvireve kuti iwe wakafukidzwa zvakare. Pamwe pfuma yunivhesiti haifaniri kufukidza pfuma yevakagara vavakidzani.
Mumwe nomumwe anogara naye anofanira kunge ane inishuwarenzi kana kuti anyoresa saiye anonzi inshurenzi pane peji rekuzivisa peji . Kana inishuwarenzi inongova muzita remunhu waunogara naye, unofanirwa kutarisa nemumiririri wekambani yeinishuwarenzi uye kunyatsokubvunza nezvekuti imba yevamwe vavakidzani yaizofukidzwa sei. Tsanangudzo yechipupuriro inokosha, nokuti vanhu vanogara pamwe chete kana vasingatarisirwi se "inshuwarisi" nerondedzero yemashoko ekutaura, zvino pangava nechinetso chakakura mumutsara.
Mhosva yeInishuwarenzi yeChikoro Chevadzidzi
Inishuwarenzi yemhosva inowanikwa mumatare edzimba uye kazhinji inowanikwa pasi pemubhadharo wemhuri yemubhadharo weimba kana mudzidzi ari pasi pekutarisira kwemubereki (anozvidzivirira) uye pasi pezera remakore rakagadzirwa nekambani ye inshuwarisi. Zvakakosha kuonana nekambani yemubhizimisi yemubhizimisi uye unoita kuti vazive mudzidzi kuenda kuchikoro kana iwe uchida kuva nechokwadi chokuti mutoro unovharwa. Mutengi weInishuwarenzi achaongorora imba yako inshuwarisi yemashoko uye achakwanisa kurayira kana kugoverwa kuripo kana kuti kana kuwedzerwa kwekodzero kunofanira kuwedzerwa kumutemo weimba yakakodzwa, dorm, nezvimwe.
Inishuwarenzi yemhosva haisi iyo inouya neKoyunivesiti Yemunhu Pachake Purogiramu Inishuwarenzi , asi unogona kukumbira kuti inogona kuwedzerwa. Iva nechokwadi uye ubhadhara mari yakawanda yeadhora nokuda kwehushuwarisi yemhosva nokuti kana uri kure kwekorogi iwe unogona kuzviisa pangozi ingave yakakwirira kudarika iwe unozviona .
> "Kana iwe usina dzimba, iwe unogona kusungirwa kubhadhara madhara anopiwa nemari yako yeramangwana! Kana iwe uri mudzidzi achidzidza chidimbu chako, kana kunyange iwe unotarisira pakupedzisira kukurudzirwa uye kushanda nenzira yako kusvika kumusoro kubhadhara nzvimbo, ramangwana rako rinogona kuwanikwa. " - Nei Mutemo Wega Wega Wechidimbu Waidiwa Nemishonga Inishuwarenzi
Mhosva yeInishuwarenzi yeKoridhi Vavakidzani - Usafunga Kuti Wakavharwa
Hazvishamisi kuti vadzidzi vekoroji vawane vavakidzani. Vanhu vanowanzotora kana mumwe anogara naye ane inshuwarisi inobata vose vanogara navo vanogara mumba. Inishuwarenzi mitemo yekutaura inowanzosiya kana kuti haifaniri kuvhara vavakidzani navo nokuti muvakidzani haasi mukutsanangurwa kwe inshuwarisi.
Free Inshuwarisi yeKunivhesiti Mudzidzi pasi peMubereki weNyaya yeMhuri
Hapana chaicho chaicho, asi ichi chiri pedyo nayo sezvo zvisingakubhadhari iwe kana vabereki vako chero mari yakawedzerwa. Iwe unogona kukwanisa kubhadhara mudzidzi kuenda kuchikoro pfuma yako kugoverwa pasi pemubereki wemishonga inshuwarisi yepamutemo kana iwe uchikwanisa zviyero zvevadzidzi vekorojiji kuchikoro. Makambani eInishuwarenzi anogona kutarisa kukwana kwezera remudzidzi kana nzvimbo yekugara kwekoroji. Usati wafunga kuti iwe unoparidzira uone nekambani ye inshuwarisi yeimba yako kuti uvazivise vazive uye vobvunze vamiririri vako kana iwe wakavharwa uye kuti zvakadini.
Kubatsira Kushandisa Inishuwarenzi Yomubereki Yenishuwarenzi Yokuvhara Vadzidzi veKoreji
Mutemo wemubereki wemusha angave ane huwandu hwekuvhara uye anovhara njodzi dzakawanda kudarika chinangwa chekutanga renter policy kana kuti yekoroji yemudzidzisi inshuwarisi. Imwe muenzaniso ndeyekunyangarika kusinganzwisisiki kugoverana kana kuvharwa kwehuwandu hunofukidza zvinhu zvese "zvisingaverengwi" mumashoko ezvematongerwo enyika.
Kukanganiswa kweKushandisa Inishuwarenzi yeMubereki Inowirivha Kuvhara Vadzidzi veKoroji
Kana ukasarudza kuva inshumo pasi pemurairo wemubereki wako, kudai kunogona kupikisana neinishuwarenzi yavo uye vanogona kurasikirwa nekutaura kusunungurwa kusunungurwa uye iyo inobviswa ingave yakakwirira. Zvisinei, mutengo wekutora rubatsiro rusununguko ungave wakakosha.
Tora zvidzidzo paYunivhesiti Yomudzidzi Car Insurance
Takakurukura pfuma yunivhesiti uye zvimwe zvingasarudzwa kuwana inshuwarisi zvishoma kune vadzidzi vekugoreji kana vachigara kure nemusha. Heano mazano maviri anogona kuchengetedza mari pamushuwarisi wemotokari apo mudzidzi ari kure kuchikoro.
- Kana mudzidzi wekoljiji asingauyi nemotokari navo, saka makambani akawanda einishuwarenzi angapa hutoro kune mudzidzi kuenda kuchikoro nokuti havazove vari kutyaira kwemwedzi yakawanda kunze kwegore. Iva nechokwadi uye utumidze kambani yemari yveshuwarisi yako kuti uone kana iwe uri kukodzerwa nemhando iyi yekuderedza.
- Kana sevadzidzi vekukoreji iwe uchange uri kuunza motokari yako newe kuchikoro, iva nechokwadi uye upe mazano emotokari yako yekambani yekambani nokuti kugoverwa kunogona kuve kwakasiyana zvichienderana neunenge uchizoenda kuchikoro. Paunenge uchivataurira nezvekushanduka kwekushandiswa kwekushandisa kwemotokari yako, iwe unogonawo kuwana mukana wekudzidzira mudzidzi kana kubhadhara pamotokari yako yeruzhinji . Kana iwe uchingoshandisa chete motokari yako kutyaira uye kubva kuchikoro kubva kuguta rako rekumusha, uye usingafambisi paunenge uri pamusasa, unogona kukwanisa kuderedza kushandiswa kwekushandiswa. Zvakakosha kubvunza pamusoro pezvinhu zvose izvi kuti uone kana kune nzira ipi yekuchengeta mari.