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Posts Tagged 'Coverage'

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Renter’s Insurance for Your College Student Living Off-Campus

When preparing your children for college, you may be contemplating what classes they will be taking more than thinking about insurance. If you are leasing an off-campus apartment for your college student, it is important you protect their possessions. In college, many students bring very expensive belongings with them such as their electronics, furniture, clothing and other valuables. You may think your homeowner’s insurance policy will cover a college student’s belongings who live off-campus. However, homeowner’s insurance policies usually do not cover belongings, which is why it is essential to purchase a renter’s insurance policy.   Renter’s Insurance usually includes:   1.    Personal Belongings Coverage: Coverage for student’s belongings if they are stolen or damaged. 2.    Liability Coverage: If the student is found legally responsible for someone else’s injuries or accidental damage to their property includin ...

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Why Homeowners Insurance is Necessary

Here are three reasons why homeowners insurance is necessary.

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Protecting Your Valuables in the New Year

The holiday season has come and gone. It is now time to turn our attention to properly secure, protect, and insure all our new and valuable gifts. Here are some tips to help you protect your valuables in the new year:  Designate a safe place: Whether you choose to keep your items safe, lock box, drawer, etc. you should always make sure it is in a safe location in your home. This should be somewhere you can remember and keep track of in your home inventory.  Don't broadcast your new items: Avoid posting your valuables on social media. As tempting as it may be, the whole world shouldn't know about everything you have in your home. This puts you at a higher risk of robbery.  Make sure your home security systems are up to date: It is important to check your alarm system to make sure it is working properly. Unfortunately, the holiday season is a common time for home robberies. If you do not have a working system, try your best to have it replaced or repaired for the safety of your home, family and b ...

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Protect Your College-Bound Children

Amidst the emotional process known as sending our children off to college, it is important to prioritize your child's safety. Whether your child is living in a dormitory or an off-campus apartment, it is essential you ensure they have the necessary coverage to account for their expensive belongings such as laptops, televisions, printers, jewelry, etc. According to the MetLife "Insurance Literacy" survey, almost 70% of respondents believed their insurance pays for the full cost to replace personal belongings in the event of a loss; in reality, nearly all insurance companies cap the amount covered.  Here are some tips regarding your college-bound child's insurance coverage:  According to the Insurance Information Institute (III), most possessions of students living in on-campus housing are covered under their parents' homeowners policy; however, there are limits. Some policies will only cover dorm possessions for up to 10% of the original policy. In addition, some categories of property may come with the ...

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Insurance Coverage: What’s Covered and What’s Not?

What's is and isn't covered in your insurance policy.

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Insurance Coverage: What’s Covered and What’s Not?

A recent survey shows many homeowners don't really understand what is covered by insurance policies.

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