Wear and Tear Not Covered

Prior to entering the insurance industry, I thought insurance covered any and all claims resulting from a loss. Boy was I wrong!

I was scanning the internet this morning and came across the blog linked below by Ryan Hanley of New York. The blog discusses wear and tear not being covered under your Homeowners Policy. I recommend you all take a look at this post as it provides helpful insight on what perils are covered and provides a great example of wear and tear on property.

http://www.ryanhanley.com/2010/09/10/wear-and-tear-is-not-covered/

Auto Insurance Basics

Now that you've got the new apartment, used futon, 46" plasma screen and renter's insurance, you're ready to take the next step in protecting yourself.

Auto insurance.

It's not rocket science, but there's a first time to learn everything and you can't rely on your parents to do your laundry and keep you on the auto policy forever.

I Just Got My First Apartment...Now What?

Finished school.  Check.

Found a job.  Check.

Rented an apartment.  Check.

The next step is often overlooked, but is one of the most important in your present situation and your future outlook.  Insurance.