Renter's Insurance-Smart Thing to Do!!!

I can remember graduating college and starting my work career. At that time the total cost of my belongings would have totaled under $100. After a few years it was amazing how much that I accumulated since starting my career. That is why it is so important protecting those contents while you are renting an apartment or house.

That is where renter's insurance comes in. If you do not own a home and have home insurance, renter's insurance is there to protect your contents. I wanted to list a few items when you think of renter's insurance.

1. Deductible- There is a deductible just like anything else.
2. Replacement Cost-make sure you have a replacement cost endorsement on your policy
3. Loss of Use-Renter's insurance covers loss of use while you are out of your apartment
4. Personal Liability-You do have personal liability is case there is accident that you are liable
5. Schedule items-There are theft limits on jewelry so it is important to schedule the pieces or jewelry you want covered

I hope this helps when deciding for the need protection of renter's insurance.

Never To Early Starting to Learn about Insurance

I had the pleasure to participate in a career day at a local elementary school in Wilson county area. It was not your normal career day where you get up and give a presentation to group of young men and women thinking in the back of your mind whether you are getting your point across about insurance.

It was an interactive career day where each student was given a profession with an estimated monthly income. They were to go to each professional station learning about their monthly expenses as they are getting ready to start their new life. A few of examples of stations beside insurance were real estate, groceries, automobile, and utilities.

When they go to my station they were very well educated about the monthly cost of auto, home, health, and life insurance. I also educated on how important each one is and the importance of having them in place.

In summary it is very important starting our youth out learning about insurance. I the long run it teaches responsibility and creates a better citizen. It is never to young to learn.

Community Service Makes a Difference in Your Business

I have been an agent for TN Farm Bureau Insurance in Wilson county since 2001. When I accepted the position in Lebanon, TN, I did not know one person or business in the county. The very first thing I did was to get involved. I joined a civic group, attended chamber of commerce events, completed the Leadership Wilson program, and got involved in many local nonprofits.

By getting involved, you are putting yourself in contact with other local professionals that care about the community. When you support the same cause it shows others how much you care about the community. You really get to know a person when you work together in a civic group or a charitable cause.

It may be a large time commitment it will pay off in the long with your business and your personal life.

GET INVOLVED IT WILL PAY OFF!!!!