Good Grades -
Do you have a teenage driver in the house (or one on the way)? Many policies
allow discounts for students with good grades. Don't forget to talk to your
kids about the importance of keeping those grades up! These discounts can apply
to college students too.
Driver
Training - There are different discounts available for Drivers Ed classes. We can review all
the options and let you know which discounts will impact you the most.
Moving To The
Dorm - Is your college student living in the dorm this semester? Your
Homeowners Insurance may cover their belongings without additional coverage
being needed. This is called Property Off Premises coverage.
Remember, any
claims would be subject to your deductible which is usually higher on home
policies! Let us review your policy to check for the specific amounts of
coverage included.
Moving To An
Apartment - Let's say your college student has graduated from the dorms and
moved on to an apartment. In this case, your Homeowners Insurance would not
cover their belongings and they would need their own Renters Insurance policy.
Renters
Insurance is very affordable and covers all of the contents of the property. It
also provides liability insurance if someone were injured in the property or if
the student caused a fire, etc. By making sure they are properly insured, you
are also protecting yourself.
We work hard
to make sure all of our clients have the right coverage at all times. The
fastest and easiest way to make sure your student is receiving all the
discounts they qualify for and that their belongings are covered at college is
to schedule a review! Call 973-948-3200
to review your policy and situation and we'll make sure all of your questions
are answered.
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