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6 Ways to Protect Personal Information Online

As you can tell from my photo, I do quite a bit of online shopping during the holiday season. It’s quick, convenient, and gets delivered right to my office and/or home. Win-win-win! But, I do know that ordering items online isn’t without some risks.

In fact, it seems as though every time I turn on the news, I hear about a large data breach, which has exposed millions of customers’ personal data to criminals. So, with the hype around Black Friday & Cyber Monday, I wanted to share a few tips for you to ensure that your personal information doesn’t end up in the hands of criminals.

Create Strong Passwords

When you create your online passwords, it is wise to not use words or numbers that a cybercriminal can easily crack, such as your birthday. Instead, choose combinations of lower & upper case letters, random numbers, as well as some symbols. And, it is always a good idea to change them periodically.

Don’t Overshare on Social Media

I may have been guilty of oversharing on social media once or twice. But, Cybersecurity experts note that oversharing on social media can put your personal information at risk. Take a moment to check your privacy settings so you know exactly who is seeing your posts – and only have close friends & family view your posts. In addition, it is wise to never post your exact location, hometown, birthday, or other personal information.

Use Free Wi-Fi with Caution

Did you know that most free public Wi-Fi networks have very few security measures in place? This means others around you, that are using the same network, can (and will) monitor your activity. So, best practice is to wait until you are at home on a very secure, password protected, network.

Watch Out for Links & Attachments

This is a biggie – what our Cybersecurity Experts tell us is that Cybercriminals will compose phishing scams to look like legitimate communications from a bank, utility company, etc…How can you tell if it’s a cyberscam or the real deal? Certain things like spelling errors are a dead giveaway.  Also, check out the email address from the sender. If it is different that the senders address, this is a good clue that the email is a spam.  When in doubt, call the customer service line for that sender to verify if their email request is legit!

Check to See if the Website is Secure

Before you enter personal information into a website, check your browser. There should be a “lock” symbol and the URL should begin with “https”. If the site you are visiting has both of these, it means that the site is secure.  There are also a few other ways to determine if the site is secure:

  • Review their website privacy policy
  • Review their contact information
  • Check for a “Verified Secure” seal

You Can Always Consider Additional Protection

Most Cybersecurity Experts recommend installing anti-virus software, anti-spyware software, as well as a firewall. There is also always cyber insurance, which can keep you and your family safe if you ever fall victim to an attack. If this is something that you would like to discuss further, please don’t hesitate to give any of us a call at Langlois Insurance Agency at #815-485-2106. We are more than happy to discuss this beneficial coverage with you.

As always, if you ever have any questions or comments on any of your insurance needs, please don’t hesitate to give us a call.  We always love to hear from our customers!

Warmest Regards,

Matt Langlois

Space Heater Safety Tips

As many of you are aware, Langlois Insurance Agency is located in a beautiful 1897 Victorian in New Lenox, IL. We love this building and all of the character & charm that comes with it.  What we don’t love, is the insulation. During the frigid midwestern winters, it gets cooooold in here!  So, we do rely on space heaters throughout the building.

I am aware that many of my customers also use space heaters throughout their homes in order to combat the cold. So, I wanted to share with you a few Space Heater Safety Tips to avoid any fires and/or injuries from occurring.

Space Heater Safety Tips

1) Did you know that space heaters should have certification labels on them? This ensures that they were tested in a laboratory for safety. According to Consumer Reports, “Make sure the heater you buy carries a safety certification label from an independent testing organization, such as the UL mark, the ETL label from Intertek, or certification from CSA International.”

2) Read the instructions and warning labels prior to using a space heater. In addition, you should choose a space heater that automatically shuts off when it overheats.

3) Choose a space heater with a tip-over switch that does the same if the heater is knocked over. And, remember, place the heater on a hard, level, and nonflammable surface. Space heaters are intended to sit on the floor, and never on a table.

4) Do not use a space heater that has a frayed or damaged electrical cord. In addition, space heaters should not be plugged into an extension cord. Instead, they should be plugged into a wall outlet.

5) Never leave a space heater running when no one is in the room. Unplug space heaters that are not being utilized.

6) Turn off the space heater when leaving the house or going to sleep.

7) Remember that space heaters should only be used temporarily.

8) Do not put items or materials within three feet of a space heater. It is a good idea to establish a 3-foot kid & pet-free zone around the heater.  We also recommend to never put a space heater in a child’s room.

9) And, perhaps the most important tip — if you do decide to use space heaters, make certain that you have installed working smoke alarms on every level of your home and in every bedroom, and test them monthly.

As always, if you have any questions about this blog, or any of your insurance needs, please don’t hesitate to give us a call at #815-485-2106.  We always love to hear from our customers!

Warmest Regards,

Matt Langlois

 

Tips on Fireplace Safety

Since the nights have dipped into the low 30’s this past week, my family and I have enjoyed turning on the fireplace for some added warmth. Both my wife and I feel that the crackling glow from the fireplace is wonderful for creating memories with our three kiddos. And, they enjoy the stories that we read there, and, most importantly, the smore’s that we roast on the fireplace.

But, as an insurance agent, I am always weary of the dangers that such a fire can create. The cozy wood store and/or fireplace literally has an ash pan of potential problems if they are not properly managed.

Be Sure To Use The Right Wood

It is best to use hardwoods, such as oak.  And, always make certain that your firewood is properly seasoned and dry. Did you know that soft woods, such as pine, will burn extremely hot & fast? And, if softer woods aren’t properly dried, the water content in their resins can produce high amounts of creosote buildup in your chimney, which can lead to a house fire.

And, it is very important to note to never put non-wood items in your fireplace, even other cardboard or paper products.

Additional Safety Tips

  • Do you have a fully charged fire extinguisher near your fireplace?  If not, you should purchase one of these.  This, along with working smoke detectors, are a “must” if you are planning on using your fireplace this season.
  • Have a professional clean and inspect your chimney each year. While the professional is up there, have them check that your chimney cap is secure and properly attached to the chimney.
  • Never, ever, ever go bed with the fire unattended. Make certain that it is completely distinguished and all embers are cooled off.
  • Always use a fire screen to contain escaping embers.
  • Keep the area clear around the fireplace and chimney. I know that as we go into the Christmas months, many of us decorate for the holiday. But, please make certain that there are not decorations around the fireplace and/or chimney that can lead to a fire.

I hope that you are able to enjoy a nice, warm fire with loved ones this season. But, it is always important to understand that dangers are present.  Therefore, please take the proper precautions to keep you, your family, and your home safe.

As always, please don’t hesitate to give any of us at Langlois Insurance Agency a call with any of your insurance questions. We always love to hear from our customers!

Warmest Regards,

Matt Langlois

How to Get Your Home Ready For a Safe Halloween

Witches and ghouls are scary for the kiddos, but as your trusted insurance advisor, I know that the real terror of Halloween lies in vandalism, lawsuits and liability claims. Use these tips to make your home and belongings safe on Halloween night, both for you and your spooky visitors.

Light Up the Night…

Little trick-or-treaters are so excited to get candy, they tend to run up the driveway to your home. Make sure your porch and walkway are well lit and unobstructed so they don’t stumble on their way to the door. Not only could a fall ruin their fun night, but a real injury could come back to haunt you as a homeowner. Play it safe and keep it bright outside.

Homeowners that greet lots of trick or treaters need to clear their property from potential hazards:

  • Clear walkways from leaves, decorations, extension cords and debris
  • Make sure there is adequate lighting
  • Maintain stairways, railings and porch areas so they are safe for children

Also, different towns may have different times for trick or treating. Younger children are usually out early, and older children may be out well after dark. Therefore, if you are out & about driving, try to avoid busy areas, keep your headlights on and slow downAs parents, we can help protect our children by dressing them with reflective clothing, having them use flashlights and glow sticks.

…But Don’t Use the Candles

Those glowing Jack-o-lanterns are super spooky and cool, but costumes, straw, and paper decorations are all very flammable. Use battery operated tea lights instead of real candles so your Jack-o-lantern only looks dangerous.

Hide Your Car

Halloween is a notorious night for automobile shenanigans. From toilet paper and water balloons, to eggs and paint, vandals can pull “pranks” that wind up doing real damage to your car. If you’re not out and about on Halloween night, keep your car locked in the garage or at least park it behind the house.

Keep Your Pets Inside

Our furry friends don’t understand the spirit of Halloween. All they know is that masked figures keep ringing the doorbell to their home. And it is understandable that they get scared and defensive. No matter how sweet your pup usually is, he may still turn into Cujo on Halloween if he’s under enough stress! Don’t put your home insurance policy’s liability limit to the test over a dog bite or other, unintentional injury; keep your dogs safely in the house until the night’s excitement is over.

Be All In or All Out

Trick-or-treaters expect to get candy when they knock on your door, but it is understandable that you may not be in the spirit of the holiday or have the finances to supply candy every year.

When it comes to Halloween, it’s in your best interest to stick to your plan. If you give out candy, have your porch light on and be prepared for the foot traffic. If you’re not giving out candy, turn out the main lights and make it appear as if you aren’t home to the best of your ability. Greeting trick-or-treaters with no candy is awkward, and in some cases, it can lead to the worst kind of person being vindictive and coming back later to vandalize your home. It sounds bad, but it happens more than you’d think.

If, unfortunately, you may become the target of some pranksters, here’s what you should do:

  • Contact authorities and get a police report right away
  • Submit a claim for vandalism to your car or home. The police report will be helpful during the claims process.

As always, please don’t hesitate to contact us at #815-485-2106 with any or your insurance questions or needs.  We always love to hear from our customers!

Warmest Regards,

Matt Langlois

A Recipe For Safe Cooking

If you have kids, and they are anything like my kids, they love fresh, homemade cookies.  So, some nights, I take off my insurance hat and put on my chef hat to make a baked treat for the kids. Dad for the win!

But, what I have learned since being in the insurance industry is that cooking fires are the number one cause of home fires and home injuries. In fact, kitchen fires are a significant safety problem. The National Fire Protection Association (NFPA) reports that approximately 172,000 home fires occur each year, which is on average 471 cooking fires per day. These terrible incidents result in over 530 deaths each year and approximately $1.1 billion in property damage.

So, as your trusted insurance advisor, there are a few “recipes” for safe cooking that I would like to share with you:

Working Smoke Detector

Experts recommend having a working smoke detector, which should be located near the kitchen area so that a cooking fire is detected right away.

Fully Charged Fire Extinguisher

It is important to have a fully functioning fire extinguisher – which is designed for kitchen use – located in an easily retrievable area in the kitchen.

Keep Potholder Nearby

The National Fire Protection Association also recommends keeping a potholder, oven mitt, and/or lid nearby your stove.  In case of a grease fire, carefully slide one of these over the pan that is on fire. Turn off the burner and leave covered until the fire is out and the pan has completely cooled.

If In Doubt, Just Get Out!

Probably the most important tip I can offer is this – If in doubt, just get out! Do not put yourself or your loved ones in jeopardy if there is a house fire. If it is not easily distinguishable, leave the premises, call 911 and do not re-enter your home until your dwelling is declared safe by the fire department.

Don’t Open The Door

For oven and microwave fires (yes, your microwave can be set on fire too), do not ever open the door.  Why?  For one, this will expose you to the flames.  In addition, when you open up the door, oxygen will enter, which will fuel the fire.

So, if you do see flames in your oven or microwave, turn off and unplug the appliance. Then, call the fire department. Please do not use the device again until it has been properly cleaned and serviced.

In Conclusion…

And, as always, if you have any questions or sustained damage, please don’t hesitate to contact any of us at Langlois Insurance Agency immediately at #815-485-2106. We always love to hear from our customers!

Warmest Regards,

Matt Langlois

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The Insurance Benefits of Impact Resistant Roofing

Scientific and architectural advancements are making homes safer and more durable than ever. For instance, houses are made with flame retardant materials that lower the chances of the home burning to its foundation. Roofs are no exception to these advancements, and choosing the right roof for your home might actually save you money on your home insurance costs.

Meet the Impact Resistant Roof

Impact resistant roofs (IRR’s) are specially designed and tested to be impact resistant for exposure to hailstones, strong winds, and flying debris. They can be made of asphalt, metal, plastics, rubber, and recycled materials. Impact resistant roofs are rated as class 1, 2, 3, or 4 (1 being the weakest, 4 being the strongest) based on the test results. The cost of impact-resistant roofs varies based on the type you buy.

Why You’ll Want One

Impact-resistant roofs are simply more durable, no matter where your home is located. They are made to resist damages from threats that can shred conventional shingles and tear them away. Homeowners with impact-resistant roofs save money on repairs and insurance claims after big storms come through, not to mention their homes are kept safer. To top it off, most IRR’s come with a 30-50 year limited product warranty. They are more expensive than traditional roofs, but when you weigh the outcome, IRR’s are an investment worth making.

Having an IRR Could Mean Lower Premiums

When your roof is less susceptible to serious damages, your likelihood of filing a claim is smaller. For this reason, several states offer an insurance benefit for opting for an impact resistant roof. This is especially true in states where weather patterns are likely to bring severe hailstorms. Ask your agent if you can save on your homeowner’s insurance premium by upgrading to an impact-resistant roof.

Your roof is one of your home’s most important elements, so you’ll want to check it for missing, curled, or damaged shingles. If you aren’t sure what kind of shape your roof is in, schedule a professional roof inspection. If you know you’re in the market to replace your roof, contact one of our agents today to see how an IRR can help you save on insurance costs!

Beware of Hail Hunters & Storm Chasers

As I’m sitting in my New Lenox office, watching a summer storm roll in, I know that I am going to soon start getting phone calls from unscrupulous contractors. Hail Hunters. Storm Chasers.

Unfortunately, storms often bring out opportunists who use the situation to take advantage of homeowners. They may offer to help our customers file their claim, offer fee-based services (that insurance companies offer for free), offer to cover the insured’s deductible, or offer other “benefits”. We have even seen situations where these opportunists say that they can get the policy holder more than they are entitled to receive. One example I have seen is where a contractor, once a contract has been signed with them, has suggested that they can get our insured a new roof when there is little or no actual storm damage.

These Storm Chasers will build a story that frightens the homeowner and may try to get them to enter into a contract to save their home. As always, we advise all of our customers to never sign anything offered by a contractor until after a reputable adjuster has contacted the insured and offered guidance.

If you feel that you have damage caused by a storm to your property, you should contact any of us at Langlois Insurance Agency and file a claim. That claim will be reported to your insurance company and an adjuster will be assigned.

In addition, CIMICO has put together a solid list of tips to help protect you:

• If you feel that a storm has damaged your property, report the loss to Langlois Insurance Agency as soon as possible. Provide as much detail as you can. Be sure to provide phone numbers so an adjuster can contact you.
• The adjuster will explain the coverage available under your policy. If you have questions about your coverage, please always feel free to contact any of us at Langlois Insurance Agency.
• Keep in mind that your coverage may not be the same as your neighbor’s coverage.
• If asked to obtain repair estimates, try to obtain several from local contractors. Estimates should be detailed and specific about the work to be done.
• Hire a reputable, local contractor to do your work. Local contractors live in your community. They want you to be pleased with the work they do. If problems arise, they will be available to deal with those problems.
• Know your contractor. Ask for references and check them out. Drive by prior jobs to see how the work looks. Ask the owner if they are satisfied with the work.
• Do not pay the contractor the full amount of the repairs before the work starts. Reputable contractors may request partial payment when the work begins. This helps them cover the cost of materials and labor. Holding the balance due until the job is done provides incentive for the contractor to complete the work and move on to the next job.
• Before the work begins, request certificates of insurance for liability and worker’s compensations. Ask any of us at Langlois Insurance Agency to review the certificates with you.
• Again, don’t sign anything until you’ve spoken with your insurance agent!
• Finally, ask yourself, does what this representative telling me make sense? Does it sound too good to be true?

Contractor representatives often prowl neighborhoods looking for roofs that may indeed need replacement, but it could be from normal wear and age. Scare tactics may be used to convince the insured that unless they do something immediately their home will suffer serious damage. High-pressure sales tactics may be used to convince the insured that they must sign up today or risk losing a great deal.

If you are ever in one of these situations with a Storm Chaser, please, call us at #815-485-2106. We always love to hear from our customers!

Warmest Regards,
Matt Langlois

Don’t Invite Burglars Through Social Media

See this picture of my wife and me enjoying a delicious, frosty cocktail?  That was a recent vacation photo from a great trip that I took with my family a few months ago.  But, as much as we wanted to post this picture, we both knew that it just wasn’t a great idea to post any vacation photos until we had safely arrived home from our trip.

Why? Because I recently had a customer whose home was broken into while they were on vacation. During their vacation, they had posted all these great pics of themselves sunning on the beach. Along with the description, “Living in paradise for the next week.” And, with that, everyone in their social media world knew that their house would be unoccupied for a prolonged period of time…

Sharing news and posts on social media is a wonderful way to keep in touch with friends and family. If you are a “friend” of mine on either my Langlois Insurance Agency Facebook page and/or my personal Facebook page, you know that I love to share my life with my friends and family.

But, unfortunately, the reality is that sharing information on social media also means that you are sharing it with an unsavory group of criminals who are looking for access to your home, your valuables, or your person. The minute you post your vacation itinerary, thieves may be planning their own trip….breaking into your unoccupied home.

In order to avoid becoming another statistic, there are a couple of #socialmediasafety tips that I wanted to share before posting your activities on social media:

  1. Really limit your network only to family and friends that you know and trust.  Do you truly know and trust all 500 of your “friends”? If not, you may want to consider eliminating those that you don’t know and trust 100%.
  2. Keep silent about upcoming vacations.  Also, keep silent about being out of the house for a prolonged period of time.  For example, your son has an away baseball tournament that your whole family is going to attend?  Wait until you arrive safely back home before posting about it.
  3. Be very cautious about sharing personal data such as phone numbers, your home address and birthdays.
  4. Never post information about children or the elderly who may be home and vulnerable.

The access to abundant technology has changed the way we communicate. We have constant access to friends, family, and neighbors.  We just need to stay vigilant on what information we are sharing and to who we are sharing it with.

As always, if you have any additional questions, please don’t hesitate to give any of us at Langlois Insurance Agency a call at #815-485-2106.  I always love hearing from my customers!

Warmest Regards,

Matt Langlois

What to Do After Your House Floods

I love being an Insurance Agent. It truly gives me great happiness ensuring that my customers are properly protected in the case of an insurance claim.

But, a few weeks ago, I was not only the Insurance Agent, but also the customer. During the polar vortex, a pipe burst in one of my rental properties. And, I felt all the sorrow, pain, and unhappiness that one of my insureds feels when they have a claim. But, along with all those negative feelings, I also had the sheer relief that I was properly insured.

And, this incident reminded my of why insurance is just so important! Thank goodness I was properly protected on this building.  Here are the “before” pictures of the building:

 

Now, please take a look at the disaster that occurred due to a burst pipe:

 

Aannnddd….this is what the building looks like after demo:

Because of this incident, I thought it would be a good idea to write a blog to remind all of us 1) why insurance is so important and 2) what do to if you have a flood incident.

There are a number of ways that your house can flood, whether it’s due to heavy rains, sewer backup, or a pipe burst. While a house flood can be devastating, here are some tips on how to respond if it were to happen to you.

Put Safety First

The first step in any major home disaster is to remain safe. You may be forced to leave your home if the flooding is bad enough. Make sure you are also safe when you return to your home to begin dealing with the aftermath. This may include turning off the power, as water and electricity obviously do not mix. Be sure to wear protective clothing such as rubber boots and gloves when you re enter your home. Not only will you be dealing with the water itself, but also whatever else the water has been in contact with, namely debris or even sewage. It is best to protect yourself against whatever harmful chemicals and items the flooding may have washed in.

Also, never eat food that has been contaminated by flood waters, or even been in close proximity to the water for an extended period of time. If the water was high enough to reach your refrigerator or any of your pantry cabinets, it is best to go ahead and throw the food away and just buy more. In addition, you should thoroughly wash any dinnerware, glasses, or flatware that might have been caught in the house flood before you use it again.

Call Your Insurance Agent

Your homeowners insurance will vary depending on what policies you have, but many insurance companies cover flooding due to storms, backed-up city sewers and storm drains, broken sump-pumps, or bursted pipes. Your insurance company will send an adjuster to look at and assess the damage to determine if it is a covered loss. If your losses and damages are covered, the sooner you call your agent, the sooner they will pay out. Repairs can become costly, but the insurance money will help get your home back in order quicker with less of a financial burden on you. So, if this ever happens to you, please call me so I can walk you through all the details of dealing with this type of claim.

Stop and Remove the Water

One of the first things you should do when your house floods is stop the source of water coming in if at all possible. If your sump-pump is broken or malfunctioning, replacing it will help keep up with any continuing rains and may prevent further damage to your basement, garage, crawl space, or main floor. Calling the city to remove debris from storm drains may also be necessary in order to help stop flooding.

If your flooded home was caused by a bursted pipe, fix the plumbing as soon as possible to lessen water damage. The sooner you stop the water from coming in, the sooner you can get to cleaning up and repairing any damages.

Once no more water is coming in, you can work to remove the water from your home. Depending on the level of flooding you have experienced or even the rooms in your home that have been affected, your process might change. You may need to bail water out using buckets and bins or use hoses to drain large amounts of water from your basement. As the water begins receding, you can use a wet vacuum to suck remaining bits of water and moisture from carpets and floors. If you’re lucky and the damage is minimal, you might be able to simply mop the mess up.

Dry Out Your Home

Even if you are successful in removing all of the standing water from your home, everything will remain damp and wet, especially if heavy rains have increased the humidity in your area. If you have power, use your air conditioning and portable fans to help dry the wet areas of your home.

Dehumidifiers are also a big help, especially in closed off spaces such as basements or crawl spaces. Dehumidifiers work by removing excess moisture from the air. This is the easiest way to dry out your home and minimize the potential water damage you might be dealing with, as it does not require you to actively clean. However, in the case of a house flood, dehumidifiers are only supplemental and you are likely to need multiple methods of action. Dehumidifiers are recommended for anyone who lives in a damp climate or an area that experiences longer rainy seasons, as they can prevent some of the problems associated with this type of weather, both for you and your home.

Clean Up

Once the water is gone and you have called your insurance company, it’s time to begin post-flood care. You can call in a professional clean-up crew or do the work yourself. This may involve determining what is salvageable and throwing away anything that is too damaged or no longer safe to use. If the flooding in your home was widespread, you may have to bring in a roll-off dumpster for easy disposal of larger damaged items, as you will find your trash bags filling quickly.

Be aware that you may need to remove flooring, drywall, and insulation to prevent mold and mildew from spreading in your home. Furniture may also need to be dried out, cleaned, or thrown away depending on the level of water damage. Unless you are exceptionally handy, it is probably best to call in a professional company that specializes in mold removal. Mold can begin developing within the first 24 hours after a flood, and once it has started growing, it can be difficult to fully remove. The quicker you remove items from water and begin drying them, the less likely they are to be lost to mold, but it’s always best to err on the side of caution and have a professional assess the situation.

If you’ve experienced flooding for any reason or want to be covered against possible floods in your area, please call Langlois Insurance Agency at #815-485-2106 to make sure you are protected against the unexpected. We always love hearing from our customers!

Warmest Regards,
Matt Langlois

Will Insurance Cover My College Student?

During this time of year, Langlois Insurance Agency receives many phone calls from anxious parents who are sending their kids off to college. They have so many worries – the cost of room & board, how crazy expensive the textbooks are, the overall safety of the college campus, just to name a few. They are also worried about how this life change can affect their insurance. Here are some common questions that I often hear from parents as they send their kids off to college:

Will my child still be covered under my auto insurance policy?

College students are normally covered under their parents’ auto insurance policy, as long as they reside with their parents when they aren’t at school (ex. summer break). As always, please review your specific policy to confirm.

Will I see my auto insurance rates increase?

The short answer to this is “it depends”.

Rates may increase – or decrease – depending on the driving habits of the student. For example, if the student is driving the car in an urban-located school, you may see your rates increase. This is because drivers in urban locations generally pay more for insurance than those in rural areas.

On the flip side, if the student leaves the car at home versus bringing it to school, you may see a decrease in your insurance rates. I have seen rate decreases for college students called a “distant student discount”, which is for a student who is at a college at least 100 miles away and chooses to leave their car at home. As always, please review your specific policy to confirm.

(Check out this bad boy above – the car that I took to college back in the day.  It’s a classic beauty.)

Are there any “good student” discounts available?

You now have another excellent reason to push your student to study hard since students with good grades may qualify for a “good student” discount. As always, if you have a child either in college, or about to head off to college, please contact Langlois Insurance Agency to review your individual policy.

Will my homeowner’s insurance policy cover my student’s belongings if they live off campus?

If your child is living off campus, you may want to purchase a renter’s insurance policy for them. Renters’ insurance protects your student’s personal property and provides most of the benefits of home insurance, including liability insurance. However, it does not protect the dwelling or structure of the dwelling itself, which is the landlord’s responsibility to insure.

Our carriers can protect your college student and their property against the following:
Fire
Theft
Vandalism
Liability if someone is hurt or accrues damage to personal property in their rental home
Additional living expenses (ex. If your child has to live somewhere else while the home is being repaired)

As always, please don’t hesitate to give me a call if you have any questions regarding your child’s insurance coverage.  I always love to hear from my customers!

Warmest Regards,

Matt Langlois