Renter’s Insurance for the College Grad

Congratulations to college graduates from the classes of 2013! Classes have wrapped up and students are probably finishing up on their last few final exams.  Graduates are definitely feeling mixed emotions…both excitement for being done with school but nervous for the real world to begin! Not only will they be facing the real world and applying for desired new jobs, they will be leaving college campus and may be thinking about whether they want to live at home for a while with family or rent out out a apartment or home.

If the final living decision is being pulled towards renting a place, you may want to consider renter’s insurance.  Renter’s insurance is less expensive than what many people think and many renters who go without renter’s insurance are mistaken with the impression that their landlord’s policy covers their possessions.  That is not the case. If your personal property becomes damaged or loss as a renter, a renter’s policy is what will help you get coverage. Yes, there are kinds of damages that are covered by the property owner’s insurance policy, however, many other valuable items are left to the responsibility of the renter to insure. This includes jewelry, electronics, furniture and other items that may be vulnerable to damage or loss.  Renter’s insurance is also designed to cover ones liability.  If you are the type of person who had friends and family over regularly, you will want coverage if your guest is injured on your property since you may be held liable for the incident.

If you are deciding to rent your own home or apartment this year we are here to offer low premiums that are affordable for the college grad!

If you have any questions about your existing policy, are inquiring information about a possible future policy or need further information, please call us at (631) 738-7300 or get a quick quote at www.vrpinsurance.com

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May 16th, 2013 by VRP Insurance Agency