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From monthly archives: August 2017

We are pleased to present below all posts archived in 'August 2017'. If you still can't find what you are looking for, try using the search box.

Do My Roommates Need Renter’s Insurance Too?

    Having roommates has become increasingly popular over the years. Of course, roommates come with financial benefits. They save us from still having to live with our parents in our mid 20s and lighten the burden when it comes to furnishing, decorating, and stocking up on supplies. Since you are splitting the entire cost of the house or apartment, you may be wondering, do you split the entire renter's insurance policy as well? The answer isn't so simple. It can depend on your situation. Here's how to decide if you should share, or have a separate policy.  Separate Policies: Some insurance companies will recommend each roommate to take their own renter's insurance policy since it is the least complicated option. Each roommate would be responsible for making inventory of their own personal property. Having a separate policy would also ensure each roommate has liability coverage for protection if someone gets injured in the home or apartment.  Shared Policies: Other companies will allo ...

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Back to School on Insurance: Know Your Coverage

As a homeowner, it is important to know and understand your coverage through your specific carrier. Stay clear of assumptions and be sure to ask questions if you have any. Having a reliable Renter’s, Condo Owner’s or Homeowner’s Insurance plan in place will not only give you peace of mind, but will protect your family and belongings as well.   Your home is likely the largest financial investment you will make. In the event of a fire, flood or natural disaster, this investment can disappear in a matter of minutes, even seconds. Your insurance policy can cover not only damage, but it can save you from financial ruin.   Making sure you have enough coverage is very important. The best way to determine this is to conduct a home inventory. The Insurance Information Institute (I.I.I.) offers a free home inventory tool which lets you create, maintain a photo home inventory, and store it safely in the cloud. To learn more, visit www.knowyourstuff.org. Another important ...

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Staying Safe on Your College Campus

When heading off to college, safety should be a priority for both parents and students. There are several ways to keep yourself and belongings secure by making good decisions and using available resources. Staying safe on your college campus doesn’t have to be complicated. Keep these safety tips in mind: Keep an eye on your belongings: When on campus, remember to keep your belongings close to you and never leave them unattended. When you are constantly surrounded by so many people, it’s hard to notice when things go missing. Lock your door: It doesn’t matter if you are just running down the hall. Always keep your dorm or apartment door locked for your protection. Keep your room keys on you at all times and if you ever misplace them, report it and get your locks changed. Keep emergency numbers handy: Be sure to save your school’s security and emergency numbers in case you ever need them. It doesn’t help much to have to Google search your school’s numbers during an eme ...

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How to Prepare for a Flood

The most common natural disaster in the United States is flooding. It can occur at any time during any season. Of course, certain areas (flood zones) are at greater risk in certain times of the year, but even if you are not in a flood zone, your home can still be at risk for a flood. “Flooding is an overflowing of water onto land which is normally dry. Flooding may happen with only a few inches of water, or it may cover a house to the rooftop.” (FEMA) Here are some tips on how to protect yourself and your property in the case of a flood: Personal: To avoid being trapped when floodwaters threaten your area, the best course of action is to protect yourself and your family, and to evacuate before flooding starts. Be sure to follow evacuation directions from local officials. It is important to discuss a solid evacuation plan with your family, and to write down emergency numbers you may need during your time away from home. Property: Before a flood occurs, you should take steps to reduce the ri ...

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