Renter’s insurance protects your belongings and living space!
From the kitchen to the living room to your favorite sweater, most roommates share everything. Roommates are often the siblings you never asked for (or got), but there’s a mutual likeness when sharing a living space with another human being day in and day out.
Whether you watch reruns of The Voice together every night, or stay in your room to avoid awkward small chat, many roommates think that if one of you has renter’s insurance, the coverage extends to the entire apartment and all of the contents.
This is a costly misconception. Renter’s insurance protects the property of the people listed on the policy. Unless your roommate is listed as an additional insured on your insurance policy (or is a domestic partner, spouse, or a member of your family), their things will not be covered.
Here’s the lowdown on renter’s insurance for roommates:
A roommate does ...
All parents want to keep their children safe when in the car—a car seat is there to protect little ones.
When tucking your child into their car seat, it’s imperative to ensure that they are in the right seat, facing the right way, and secure for the entire journey.
There are many car seat choices on the market! With age, your child will progress from rear-facing car seat to a forward-facing car seat, to a booster seat, to only a seat belt.
Here is a breakdown of the basics:
Rear-Facing Car Seat
Birth – 3 Years
Until your child reaches the top height, or weight limit allowed by your car seat’s manufacturer, your child should remain in a rear-facing car seat in the backseat of the car. Keep your child rear-facing for as long as possible as this is the best way to keep them safe. Once your child outgrows this seat, your child is ...
Get to know your insurance policy by understanding the terms!
Fumbled by jargon? Stumped by specifics? Perplexed by policies? You’re not alone! Trying to understand an insurance plan is like reading a technical manual in a foreign language – that’s why insurance agents must be well-trained and knowledgeable!
So that you can properly understand potential policies and find the best coverage for you, here’s a breakdown of what insurance terms mean.
Open enrollment: This is the period you’re allowed to sign up for next year’s insurance. Most insurance companies allow you to choose your coverage for the next year during a specific amount of time that is “open enrollment” unless you’ve changed jobs or had a qualifying life event!
Premium: This is your monthly bill! Therefore, your monthly premium is what you pay for your insurance policy.
Deductible: The total amount that you have to pay out-of-pocket before insurance kicks in. If you have ...