College kids Living on their own?

Renters Insurance gives you peace of mind

Do you have a college age student that has moved into his or her own apartment? Do you know that most landlord’s insurance doesn’t cover the personal belongings of your college age student if something happens such as a burglary? Gulf Coast Educators Insurance offers a renter insurance policy to help protect your college age student.

A renters insurance policy is an affordable way to have peace of mind. A renters insurance policy helps protect belongings such as furniture, clothing, televisions, computers, and jewelry that our commonly in an apartment. A policy can also include liability coverage which could come in handy if someone is injured in the apartment. Events covered by the policy vary but could include:

• Theft
• Lightning
• Fire or smoke damage
• Accidental water damage
• High winds or hail

Approximately 33% of people currently have a renters insurance policy. Common reasons that we hear for not carrying renters insurance include: it is too expensive, it isn’t needed, or it’s not important. Gulf Coast Educators Insurance wants you to know that renters insurance is a very affordable option. It is an important insurance to have in case of a catastrophe.

Could you afford to replace the contents of an apartment? Renters insurance is needed in the event of an emergency. We hope that you never have to deal with a fire, theft, or other catastrophe at your apartment, however, isn’t it better to have insurance coverage than to be wondering how you are going to live and how you are going to pay to replace the contents of your apartment.

Gulf Coast Educators Insurance is affordable and most policies cost less than a dollar a day. For a rental insurance quote, please contact any of our three Southwest Florida locations. To reach our agents at the Naples office, please call 239-591-0963. Our Port Charlotte agents can be reached at 941-391-5423. To speak with an agent at our Fort Myers office, please call 239-997-0420. We look forward to helping you with all of your renters insurance needs. Please call us today!

Renters Insurance and College Students

What Does Renters Insurance and College Students Have In Common?

If you have a college student heading off to school this information is for you…

Is your student living on campus or off campus this coming school year? You may consider renters insurance if your child is going to be living off campus. A renters insurance policy covers your child’s personal property. When you rent a home or apartment the landlord is responsible for insuring the property against damage caused by fire or other disasters.

There are options when it comes to renters insurance the standard coverage typically covers the following:
1) personal property protection – furniture, electronics, clothing
2) reimbursed living expenses – if your home is un-habitable this coverage will help you with food and a temporary place to live
3) liability protection – protects you in the event somebody sues you after visiting your dwelling that you are renting
4) guest medical protection – protects you from medical expenses one may incur should they become injured at your rental home

We highly encourage all parents with students who are living off campus this school year to talk with us about a renters insurance policy. They are very affordable and the protection is valuable. Even if your child is not likely to have a party or invite people over to his/her apartment it is highly recommended that you carry at least a minimal renters insurance policy.

Before your child heads off to school for this year be sure to inventory all that they are taking with them in the event of theft or destruction. Take photos, video or make a list of electronics. clothing and appliances they make be taking with them. It will save you time and aggravation in the event something happens and you need to place a claim.

For more information on the best renters insurance rates in Naples, Ft. Myers and Port Charlotte please call Gulf Coast Educators Insurance at any of our three convenient locations.