“What College Graduates Need to Know about Insurance”
Congratulations! Graduating college is a significant milestone in your life. One that will bring on many new and exciting life changes involving work, money, living space and possessions.
As you seek out new ventures, one thing you’ll need is insurance. And one thing you’ll want is good insurance, reasonably priced from a knowledgeable advisor.
There are four types of insurance you’ll want to consider after college graduation:
In college, you were probably on your parent’s auto insurance policy. That’s because their auto insurance policy covered resident relatives. And while in college, your legal residence most likely was your parent’s home. However, when you move out and/or get title to a vehicle, you’re no longer covered on their auto insurance policy.
Another reality is that your car insurance needs are different than your parents. For example, they might be financially able to have a large deductible on their car insurance policy. But that might not be best for you right now.
Now is the time to call Huff Insurance, a Trusted Choice Independent Insurance Agency. Because we are independent, we represent a wide variety of car insurance companies, you’ll have many options to choose from.
Also, auto insurance companies offer discounts. And you can bet we’ll hunt every one of them down for you!
Options and Discounts. Huff Insurance will present all of them to you. We’ll make sure you get the best auto insurance policy coverage value for the least amount of money.
Picture this. You finally get your own place. You move out of the family home (Not just for the school year. This time it’s permanent). You can’t believe how much stuff you’ve accumulated:
- Laptop, PC or iPad
- BlueRay Player
- iPod and other music players
- Cell Phone
- Game systems
- Bedroom set and other furniture
- Microwave and other kitchen appliances
- Watch / Jewelry
(You might not think they’re worth much but they are—especially when you think of how much it would cost to replace them. You didn’t buy them all at once, so you probably do not realize the value of your belongings.)
A couple of friends help you move to your new garden apartment in Pasadena, Glen Burnie, or other Pasadena. Great!
You’re moved in, you’ve managed to save a couple of bucks and it’s two weeks before you start work. So, you take a short trip with some friends to Ocean City, Maryland. You have a blast and return home on a Saturday night.
You’re still smiling at the memories of the trip as you walk up the stairs. Maybe you’re even chuckling as you put the key in the door and open it.
Then you stop laughing. You stop smiling. You mouth goes ajar and you can’t believe your eyes.
Your place has been trashed. Everything you had is gone—your laptop, BlueRay player, game system, iPad. Everything.
That’s a bad enough feeling. And it happens. But eventually you realize all of your things are replaceable. Or are they?
Did you have renter’s insurance?
Renters Insurance covers your belongings (clothing, books, CDs, furniture – everything) not only in your apartment but in your locked car and anywhere else you take them. It protects your things against fire and other occurrences beyond your control—including vandalism and theft.
If you thought about it at all, you may have thought the insurance was the responsibility of the landlord. It’s not. The landlord’s policy covers the building only. It’s a renter’s insurance policy that will help pay for the replacement of all your personal items.
It will also pay for an attorney and protect you in case someone gets injured while in your apartment and/or you get sued if damage caused by you impacts neighboring apartments. And even if you are on a golf outing and hit that duck hook right into the window of the house on the 15th fairway.
Huff Insurance will give you peace of mind about your belongings and your liability. We’ll help you sort it all out. Renters insurance, As with auto insurance, we’re big on discounts. We’ll make sure you get them.
One Insurance Source
When you make the transition from college to “real-life,” everything changes.
Now you’re responsible for protecting yourself and your family….
Your choices are difficult and you need an expert like Huff Insurance on your side. Don’t fool yourself and pretend you know insurance. It can be complicated business. Plus, your needs can constantly change as your life changes.
Work with someone who specializes in College Graduates. Contact us at Huff Insurance today.
The saddest words this agent ever hears are “I knew I should have done something.” All you need to do is one simple thing… contact us.
We’re your one stop insurance shop. We’ll do all the work for you. Complete the protection analysis form today, or call us now 410-647-1111.
Huff Insurance is a full service Independent Insurance Agent We have been dedicated to Protecting Lifestyles™ since 1960. We offer a full array of Personal Insurance, Commercial Insurance and Life Insurance & Health Insurance products.