Abantu abaninzi bacinga ukuba lo khetho kuba xa usuka kwikolishi udla ngokuthatha izinto ezininzi kunye nexabiso eliphezulu, njengee-laptops, izinto ze-tech nezinye izinto.
Ziziphi iingozi?
Unokukunceda ukuqonda ukuba ulwaphulo-mthetho oluqhelekileyo okanye ubusela bekholeji yakho okanye ikampus. Unokukujonga eli rhu lumente ngohlu lolwaphulo-mthetho kwiikholeji zeekholeji.
Izikhokelo zeeNtshumo ze-Intshulamu kubafundi beeKholeji kwiiDorms okanye kwiiRotown Apartments
Ukukwazi ukhetho lwe-inshorensi yomfundi ekholeji kukunceda wenze isigqibo malunga naluphi uhlobo lwe-inshorensi ofuna ukuyithenga, kwaye kunokukunceda ukuba usebenzise inkululeko yokukhutshwa ngaphandle kwesikolo.
Iyiphi indlela efanelekileyo yokuqinisekisa i-Personal College Personal Personal Property?
Abafundi baya ezikolweni kude nekholeji, kunye nabazali babo bahlala becinga ukuba ipropati yomntu uya kubhekiswa njani ngumshuwalense wekhaya. Abantu abaninzi bacinga ukuba isisombululo sokubambisa ipropati yabafundi ukuthenga umgaqo-nkqubo womqeshi. Nangona kunjalo, kukho ezinye iindlela zokugcina imali.
Ngaba kufuneka uthenge umgaqo-nkqubo wabaqeshi beeKholeji zabafundi?
Umgaqo-nkqubo weendwendwe akusoloko ufunwa ukukhusela impahla yabasebenzi. Kukhethwa kukho, kodwa kukho ezinye iindlela zokufumana i-inshorensi engabandakanyi iindleko ezongezelelweyo. Ukuhlawula iikholeji kubiza ngokwaneleyo, ngoko kulungile ukwazi iindlela zakho zokufumana iindlela zokugcina imali.
Iindlela ezi-3 zokuFaka iPropati yabaFundi kwiKholeji ekude nekhaya
- Thenga i- Renters Insurance Package kubafundi : Iindleko ziya kuba malunga ne-$ 10- $ 25 idola ngenyanga. Lo mgaqo-nkqubo uza kubandakanya ukukhutshwa kwemfanelo kunye neendleko zokufumana iinkcitho ezongezelelweyo ezinokubaluleka xa ukuhlala kwakho kungenakulungiswa. Ikunika ngemali efunekayo ukuhlawula indawo yesikhashana yokuhlala.
- Thenga iNkqubo yePropati yomPhulo wePropati yomPhumo okanye iPolisi yomshuwalense weDorm: Iindleko ziya kuba ziphantsi kakhulu kumgaqo-nkqubo womqeshi, imivuzo ingancinci ngokuxhomekeka kwisicwangciso osithathayo. Qaphela ukuba uxanduva aluvumelekanga kule miqathango yemigaqo-nkqubo, ngoko qiniseka kwaye ubuze malunga nokuyongeza. Ukuhlaziywa kwolu hlobo lomgaqo-nkqubo kunokunciphisa, kwaye ungaqalisa kwi-$ 25.
- Zisebenzise inzuzo "yokukhulula" ehlanganiswe nomgaqo-nkqubo womnini womnini . Ngokuqhelekileyo kubandakanywa njengenxalenye yomgaqo-nkqubo kwaye ilula nje inani elithile lokuxhaswa kwabafundi beekholeji esikolweni. Ukuba kukho ukufundwa okunye okufunekayo, ukuvunyelwa kungenakongezwa ngenxa yeendleko ezincinci, kunye nexanduva.
Yintoni Efihliweyo Ngomshuwalense wabafundi beKholeji?
Kuxhomekeke kwindlela yokufumana isigqibo sokukhetha. Kwindlela nganye kwezi ndlela ziboniswe ngasentla, unokhetha ukhetho, wongeza izibonelelo okanye iifayili zokuqinisekisa ukuba izinto ezikukhathazayo.
Ngabaphi iDorm yabafundi beeKholeji okanye iResha yeeNkxaso zeNkcitho?
Ukuba ungumfundi womculo okanye umfundi wezithombe, umzekelo, unokufuna ukufumana ukubonelela ngokukhawuleza kwezixhobo zomculo, okanye zonke izixhobo zakho zekhamera kunye neelensi. Ukuba uya kusebenzisa ibhayisikili ukuze ujikeleze, unokuba ufuna ukufumana i- bhasiysi eyimfuneko yomshuwalense okanye ubuze ukuba ukufumana kwakho umyinge kunomlinganiselo wokuba uhlawulelwa kangakanani kwibhayisiki.
Kuyafana nabagijimi kunye nezixhobo zemidlalo.
Ukuba ukhangele ukuba ube nepropati yomfundi wekholeji ekhutshwe ngekhululekile phantsi komgaqo-nkqubo womshuwalense wasekhaya, ukuba ukwazi ukubaluleka kwezinto zakho kubalulekile kuba umgaqo-nkqubo womzali unokuba nomda kumyinge wokubhengezwa kwipropati yomfundi ngamnye esikolweni .
Iphulo: Cinga ngezinto eziza kuzisa ngazo, kwaye qi ni sekise ukuba izinto ezibalulekileyo zinomsebenzi ofunayo. Ngaba ufuna ukukwazi ukutshintsha izinto xa zibiwe okanye zilahlekile? Qinisekisa kwaye ubuze oko uza kuyifumana ukuze ufumane ukuhlala ngokupheleleyo kwibango.
Izinto ezibalulekileyo zokubuza malunga nokuthenga i-Renter Student Renter okanye i-Dorm Insurance
- Ziziphi iingozi eziza kugqitywa phantsi kwe-inshorensi oyikhethayo. Eminye imizekelo yeengozi ezinokuthi zinikwe ubusela, ukusabalalisa okungaqondakaliyo, umlilo, umonakalo wamanzi . Buza iinkcukacha malunga nesigqibo esithathayo. Ingaba umgaqo-nkqubo wakho wonke onobungozi / iipilisi ezivulekileyo, okanye ngaba zibizo ngeengozi?
- Yisiphi isiseko samabango okuhlawula? Ngaba uza kufumana imali ukuze ufake indawo? Ngaba uya kufuneka ufake indawo ngaphambi kokuba uhlawulwe ixabiso elipheleleyo kwibango ( iindleko zokutshintsha )? Ngaba uya kufumana kuphela ixabiso elincinci (elibizwa ngokuba yi- Actual Cash Value okanye i-ACV)?
- Yiyiphi na ubungqina obuya kufuneka phambi kokuba uhlawulwe kwibango?
- Yintoni echithwayo?
- Ingaba iindleko zokuphila ezongezelelweyo zifunyenwe ukuba indawo yokuhlala ingenziwanga nendawo xa kukho ibango okanye ilahleko?
Ziziphi iintlobo ze-inshorensi yokuFundiswa Ngaba abaFundi beKholeji bafuna?
Uninzi lwabafundi beekholeji baya kufuna iimali zengxowa-mali ezinjenge-inshurensi yepropati, i-inshorensi yemfanelo, umshuwalense wezempilo kunye nomshuwalense wemoto Iinshurensi yendawo yomshuwalense kunye nenkokhelo yomshuwalense yinto ekhoyo njengendlela yokukhetha iiprojethi ze-inshurensi kunye kwaye ingafakwa kwipolisi yomnini-mboleki yomnini-mboleko njengemvume. Eminye imigaqo iza kubhawula ngokuzenzekelayo uxanduva lomntu esikolweni esikolweni (ngokubhekiselele kwimingeni yeminyaka kunye nabanye abathwali).
Umshuwalense wezeMpilo kwiKholeji yabaFundi kunye neNqwelo ka-Intshuwalense ayifakiwe kwimigaqo-nkqubo ye-inshorensi yokuhlala okanye imigaqo-nkqubo yempahla yomntu, ngoko kufuneka kuthengwe ngokwahlukileyo.
Nantsi yile nto nganye yale ngxelo inokubonelela nge-inshorensi kunye namanye amathiphu ekunciphiseni amaxabiso, okanye ukufumanisa i-coverage.
Intshurensi yePropati
I-elektroniki kunye neteknoloji yakha inxalenye ebalulekileyo yesixhobo sokwenza abafundi. Izinto ezinjengeikhomputha, ii-laptops, iikhamera zedijithali, i-iPads, iipilisi, ii-iPod, ii-iPhones kunye nezinye iifowuni zinokudibanisa lula kwiiyure eziliwaka zeedola xa zibiwe okanye zilahlekile. Ezi zinto ziqhelekileyo izinto umfundi okanye umzali angakhathazeka ngazo xa ehamba ekholejini aze athathe indawo yokuhlala kwi-dorm, ikhaya okanye indlu ukusuka ekhaya.
Ipropati yomshuwalense yomntu ngamnye inokubambisa impahla yomfundi, kuquka izinto zobuchwepheshe kunye nezinto zobuchwepheshe. I-inshurensi yepropati yomntu ngamnye ikwagubungela iingubo zabo, iincwadi kunye nantoni na "ehambayo" abayifake nayo yokuhlala yabo entsha. Oku kwaziwa nangokuthi ziqulatho, funda ngokubanzi malunga nento ehlanganiswe kwinqaku lethu malunga ne- inshurensi yoqulatho .
Umyinge wePropati yoMntu wePropati kwiNdawo kunye noThutho
Abafundi bahlala bephethe izinto ezininzi nabo kwikampus. Xa uthenga i-inshurensi, okanye usebenzisa umgaqo-nkqubo womshuwalense wekhaya ukwenzela ukuba ufumane isifundo somfundi wekholeji, qiniseka kwaye ubuze malunga nemida ekhethekileyo yomshuwalense kwaye ukuba kukho umda okanye uvale indawo.
Oku kuya kukukunceda ukuba uyayiqonda ukuba ufuna i-inshorensi eyongezelelweyo, okanye ukuba yonke into iya kuhlanganiswa ngokwaneleyo kwisicwangciso othengayo. Ukuba izinto zakho zihlala ziziswa kunye nawe ekuhambeni, okanye kwilayibhrari uze ufumane ukuba kukho umda kumabango akhokhelwa kwi-laptop yakho, iteknoloji okanye ezinye iifowuni, unokungonwabi kakhulu ukuba kukho ibango. Buza lo mbuzo kunoma ngubani osenza isigqibo sokufumana i-inshurensi yeprojekthi yakho yomshuwalense.
Ukuqonda I-Deductible yakho kunye ne-Inshorensi
Imigaqo-nkqubo eyahlukeneyo inezintsalela ezahlukeneyo. I-deductible yimalini yemali oyayihlawula phambi kokuba ibango lifakwe.
Umzekelo, ukuba i-laptop yakho ibiwe kwaye ixabisa imali eyi-$ 1,000 ukuze ithathe indawo, kwaye unayo i-deductible ye-$ 500, ngoko xa usenza ibango ukuba ithathe indawo yakho ye-laptop ebiwe, uya kuhlawula i-$ 500 yokuqala, kwaye inkampani yomshuwalense iya kuhlawula kuphumla. Ukuba unomvuzo ophantsi we-$ 25, umzekelo, uya kuhlawula i-$ 25 yokuqala kunye nenkampani yakho yomshuwalense iya kuhlawula i-$ 975. Uyabona indlela i-deductible eyenza ngayo umahluko omkhulu kwimali enokuhlawulwa ngayo kwibango.
Abantu badla ngokukhetha i-deductible ephezulu ukugcina imali . Kubafundi beekholeji, inani lepropati yomuntu siqu lingaba liphakamileyo, kwaye imida echithwe ngokubalulekayo ibalulekile ukuba ukwazi.
Ukuba uthatha isigqibo sokuba u-inshorensi ngokwakho phantsi komgaqo-nkqubo womshuwalense wasekhaya, kunokubakho i-deductible ekhethekileyo okanye i-deductible ingafana nomgaqo-nkqubo wezindlu.
Kwiimeko apho umntu anqwenela ukuba angenayo imali, angenza isigqibo sokongeza izinto ezithile, njengekhompyutheni, okanye umnxeba kwi-float eyodwa okanye imvume . Oku kuya kubiza imali engaphezulu kodwa inokubonelela ngenqaku elingabonakaliyo .
Ngaba ngaba baqeshwe ngabakwaKholeji baKholeji?
Kuphela abaqeshwe nge-insured okanye abo bawela phantsi kwengcaciso ye-insured baqinisekisiwe kwinqubomgomo yomshuwalense.
Ukuba umntu ohlala naye ufumana inshuwalense, akuthethi ukuba ufihliwe. I-inshurensi yepropati yomntu ayiyi kuhlanganisa ipropati yabalingani ngokuzenzekelayo.
Umntu ngamnye ohlala naye kufuneka abe ne-inshorensi okanye adibene njengomntu ogunyazisiweyo ogqityiweyo kwiphepha lokuvakalisa ipolisi . Ukuba umgaqo-nkqubo we-inshorensi kuphela egameni lomntu ohlala naye, kufuneka uhlolisise ummeli wenkampani ye-inshorensi kwaye ucele ngokuthe ngqo malunga nendlela ipropati yabanye abahlala kuyo iza kuhlanganiswa ngayo. Incazelo ye-insured ibalulekile, nje ngokuba abantu bahlala kunye xa bengabonwa "yi-insured" ngcaciso yegama lomgaqo-nkqubo, ngoko kubekho ingxaki enkulu kwibango.
Intsholongwane ye- Intshulamu yabafundi beKholeji
Inyhuwalense yemfanelo ibandakanywe kumgaqo-nkqubo weendwendwe kwaye ngokuqhelekileyo ihlanganiswe phantsi komgaqo-nkqubo womshuwalense wekhaya xa umfundi ephantsi komncedi womzali (oxhomekeke kuyo) nangaphantsi kwemida ebekwe yinkampani yinshuwalense. Kubalulekile ukuqhagamshelana nenkampani yomshuwalense yomzali kwaye ubenze baqaphele umfundi esikolweni ukuba ufuna ukuqiniseka ukuba uxanduva lubekwe. Igosa le-inshorensi liya kujonga igama lakho le-inshorensi yasekhaya kwaye liya kuba nako ukucebisa ukuba i-coverage ihamba ngokuzenzekelayo okanye ukuba ukongezwa kwetyala kufuneka kwongezwe kumgaqo-nkqubo weendawo eziqashiweyo, ukulala, njl njl.
Inyhuwalense yemfanelo ayifuni ukuza kunye nezicwangciso ze-Intshuwalense yePropati yaBantu beKholeji , kodwa unokucela ukuba iyakongezwa. Qinisekisa kwaye uhlawule isibini esongezelelweyo seedola ye-inshorensi yemfanelo ngenxa yokuba ixesha elide ekholejini lakho lijongene nobungozi bungaphezulu .
> "Xa ungenazo iimpahla, unokuba unyanzelekile ukuba uhlawule umonakalo owenziwe ngembuyekezo yakho yexesha elizayo! Ukuba ungumfundi ofundayo ngezinga lakho, okanye nokuba ukulindele ukuba ekugqibeleni ukhuthazwe kwaye usebenze indlela yakho phezulu indawo yokuhlawula, igalelo lakho elizayo lijoliswe kulo. " - Kutheni nawuphi na umgcini wePolisi afuna i-Insurance Umbrella Insurance?
I-inshurensi yokuXhobisa kwabakwaKholeji abahlali - Musa ukucinga ukuba ufihliwe
Akuqhelekanga kubafundi beekholejini ukuba bahlale nabo. Abantu bahlala becinga ukuba umntu ohlala naye unomshuwalense uhlanganisa bonke abahlala nabo abahlala kwindawo yokuhlala. I-inshorensi yomgaqo-nkqubo ka-inshurensi ivame ukungabandakanyi okanye angafihla ohlala nabo kuba umntu ohlala naye akakho kwingcaciso ye-insured.
I-inshurensi yamahhala kwiKholeji yabaFundi phantsi koMgaqo-nkqubo weKhaya lomzali
Akukho nto ikhululekile ngokwenene, kodwa oku kusondele kuyo kuba akuyi kuhlawulwa okanye ngabazali bakho nayiphi na enye imali. Uyakwazi ukuxhamla umfundi esikolweni esikolweni phantsi komgaqo-nkqubo we-inshorensi yomzali ukuba unamathela kwiikhrayitheriya zesikolo esikolweni. Iinkampani ze-inshurensi zingabhalela umda kwiminyaka yomfundi okanye kwindawo yokuhlala kuyo. Ngaphambi kokuba ucinge ukuba unxibelelwano lokuqhagamshelana nenkampani yakho yomshuwalense wekhaya ukuba ubazise kwaye ubuze ummeli wakho ukuba uhlanganisiwe kwaye uninzi kangakanani.
Inzuzo yokusebenzisa umgaqo-nkqubo womshuwalense wabazali ukukhupha abafundi beeKholeji
Umgaqo-nkqubo womnini womnini unokuba negalelo elininzi kwaye ubhekiselele engozi engaphezulu komgaqo-nkqubo wokuqeshisa umnqweno okanye umgaqo-nkqubo we-inshorensi yomfundi. Omnye umzekelo ukusabalalisa okungaqondakaliyo okanye yonke ingozi yokubandakanya yonke into "engabandakanywa" kwigama lomgaqo-nkqubo.
Ukungonakali kokusebenzisa Umgaqo-nkqubo we-Intshurenti wabazali ukukhupha abafundi beeKholeji
Ukuba uthatha isigqibo sokuba ube ngumshuwalense phantsi komgaqo-nkqubo womzali wakho, ibango lingabalwa nxamnye ne-inshurensi yabo kwaye banokulahlekelwa isaphulelo sokukhululeka kwamabango kwaye i-deductible ingaba phezulu. Nangona kunjalo, iindleko zokufumana ukukhutshwa kwesikolo samahhala zinokubaluleka.
Fumana Izaphulelo kwi-Intshuwalense Yomshuwalense Yomfundi Wakholeji
Sixoxe nge-inshurensi yepropati kunye nezinye iindlela zokufumana i-inshurensi ngaphantsi kwabafundi beekholeji xa behlala kude nekhaya. Nazi iingcebiso ezimbini ezingasindisa imali kwi- inshurensi yemoto xa umfundi engasekho esikolweni.
- Ukuba umfundi wekholeji akangenisi imoto kunye nabo, iinkampani ezininzi ze-inshorensi zingabanikela isaphulelo kumfundi esikolweni ngenxa yokuba abayi kuqhuba iinyanga eziliqela ngaphandle konyaka. Qinisekisa kwaye ubize inkampani yomshuwalense wemoto ukuba ufumane ukuba unelungelo lokufumana lolu hlobo lwesaphulelo.
- Ukuba njengomfundi wekholeji uza kuzisa imoto yakho esikolweni, qinisekisa kwaye ucebise inkampani yakho yomshuwalense wemoto kuba ugalelo luyahlukahluka kuxhomekeke kwindawo oya kuyo esikolweni. Nangona uthetha kubo malunga noshintsho oluzayo ekusebenziseni imoto yakho, unokukwazi ukufumana isaphulelo somfundi okanye uhlawulelo kwi-premium yakho yomshuwalense womshuwalense . Ukuba uya kusebenzisa kuphela imoto yakho ukuqhubela phambili nokuya esikolweni ukusuka kwidolophu yakulo, kwaye ungaqhubeki ngexesha lokuya kwikampus, unokukwazi ukufumana isaphulelo sokutshintshwa kokusetyenziswa. Kufanelekile ukubuza malunga nazo zonke ezi zinto ukubona ukuba kukho nayiphi na indlela yokugcina imali.