“What College and University Graduates Need to Know about Insurance”
Congratulations! Graduating college or university 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 several types of insurance you’ll want to consider after college graduation:
In college or university, if you lived at home you were probably drove your parents car where the car was insured by them However, when you move out and/or own a vehicle yourself, you will have to get your own insurance.
Now is the time to call Pembina Insurance Services. Because we can answer your questions about Autopac and arrange for the car insurance you need.
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 or PC
- DVD Player
- IPod and other music players
- Cell Phone
- Game systems
- Bedroom set and other furniture
- Microwave and other kitchen appliances
- Watch / Jewellery
(You might not think they’re worth much but they are—especially when you think of how much it would cost to replace them.)
A couple of friends help you move to your new apartment. 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 Cancun. 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, DVD player, game system. 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 tenant insurance?
Tenant 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. You can even get insurance for your carelessness (if you lose or damage something).
If you thought about it at all, you may have thought insurance was the responsibility of the landlord. It’s not. The landlord’s policy covers the building only. It’s a tenant policy that will help pay for the replacement of all your personal items.
It will also pay for an lawyer and protect you in case someone gets injured while in your apartment and/or you get sued if damage caused by you impacts neighbouring apartments.
Pembina Insurance Services will give you peace of mind about your belongings and your liability. We’ll help you sort it all out. With tenant insurance, we’re big on discounts. We’ll make sure you get them.
Let’s say before starting your job you decide to take a month and backpack across Europe. You’re in Paris when you begin feeling a pain in the lower right side of your abdomen that will not go away with an Alka Seltzer.
The pain gets worse. You finally get medical help. You discover you have appendicitis and need your appendix removed.
Wait a minute.
Do you even have health insurance?
Remember, as a full time student you can usually stay on your parent’s health coverage until your schooling is complete. So, check on what time you’re no longer covered on their policy.
However, after you leave school and your home, you’re responsible for insuring your health. Being without health insurance makes you vulnerable. Very vulnerable.
Discuss this important life decision with your health insurance provider They can help you find the best health plan, with the best value for this time in your life.
We can help with what you need to know about insurance
When you make the transition from college or university to “real-life,” everything changes.
Now you’re responsible for protecting yourself and your family….
Your choices are difficult and you need an expert 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 and University Graduates. Contact us at Pembina Insurance Services today.
The saddest words this broker ever hears are “I knew I should have done something.” All you need to do is one simple thing… contact us.
We’ll do all the work for you. Contact us by email or call us at 204-452-4913 for a quote today!