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RENTERS: PROTECT YOUR POSSESSIONS FOR LESS THAN A DOLLAR A DAY

Be sure to read to the end of this story to see how you can WIN a 2018 Dodge Journey!  

You’ve been busy preparing for the new school year. The dollars you spend purchasing materials for the classroom add up quickly, but you do it so students will start the semester on a positive note.

You’re so focused on their needs that you may forget about your own needs: getting enough sleep, eating right and protecting your important possessions.

If you’re a renter, the NEA® Auto & Home Insurance Program provided by California Casualty can help take some of the stress away. For about $12 a month (well under what than average person spends each month for coffee, cell phone service or internet) you can get coverage from fire, water damage or theft.

NEA Member Benefits partnered with California Casualty to provide you this important benefit because it’s a good investment that gives you peace of mind, allowing you to concentrate on helping students succeed. Here’s why:

  • It includes liability protection, which pays legal or medical bills if you are sued by someone who tripped and got hurt at your home, if your dog bit someone, or for damage to others from a fire that started in your unit
  • It provides living expenses if you’re evacuated or while your place is repaired or rebuilt after a fire or flooding from a broken water pipe
  • It covers personal items damaged or stolen from your vehicle (after the deductible)
  • It pays for items stolen while traveling or on vacation

The liability limits of your policy also extend into the classroom.

Renters insurance does so much to protect you and your possessions that it’s hard to imagine not having it. However, 60 percent of renters are taking a risk and doing without this important protection.

They either think their landlord’s insurance will cover their possessions (it doesn’t), they don’t think they have enough items to protect, or that it costs too much.

Imagine the cost if you had to replace everything you owned because of a fire or break-in. Renters insurance will pay for living expenses and will help replace teaching materials, your mattress and bedding, stereo equipment, computers, other electronics, and all the pots, pans, silverware and other things in the kitchen.

If you’re on a tight budget, it’s possible to reduce premiums by choosing a slightly higher deductible, being a nonsmoker, and having security devices, sprinkler systems and fire extinguishers. In many cases, the savings from simply bundling with your auto insurance will pay for your renters insurance.

Another way to save is to make a comprehensive inventory of all the things you own, so you will only pay for what you need. Having that inventory will also help speed up a claim if something bad happens. California Casualty has an easy to read inventory guide for you to use.

When you weigh the value, having renters insurance just makes sense. Find out how little renters insurance costs, and how much it covers; call a California Casualty advisor today at 1.800.800.9410 or visit www.calcas.com/NEA.

California Casualty also has educator specific professional information and numerous resources for you, like a moving guide checklist, at our blog, https://mycalcas.com.

While you’re looking into renters insurance, don’t forget to enter California Casualty’s “Wherever Your Journey Takes You…We’ll Be There” Sweepstakes at www.winajourney.com. A lucky educator will win a 2018 Dodge Journey.

This article furnished by California Casualty, founded in 1914 and serving the needs of educators since 1951. (California Casualty has been servicing IEA members since 1988!) California Casualty is the only auto and home insurance company to earn the trust and endorsement of the NEA. As a result, NEA members qualify for exceptional rates, deductibles waived for vandalism or collisions to your vehicle parked at school, holiday or summer skip payment plans and free Identity Defense protection – exclusive benefits not available to the general public. Learn how to save by getting a quote at www.neamb.com/autohome, or by calling 1.800.800.9410.

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NEA® Vehicle Protection Program – Affordable Protection Against Unexpected Auto Repair Costs

The NEA® Vehicle Protection Program offers you the peace-of-mind that comes from not having to worry about the high cost of unexpected auto repairs. Backed by CARCHEX, an A+ Rated BBB Business and nationwide leader in automotive extended warranty protection, the NEA Vehicle Protection Program provides you with the highest level of extended auto warranty coverage at the lowest possible price. By extending warranty coverage beyond the term of your original manufacturer’s warranty, the NEA Vehicle Protection Program lets you steer clear of the high cost of major auto repairs.

 

Purchasing and Using Extended Vehicle Protection is Easy!

  • Choose the coverage option and pricing plan that best meets your needs
  • You choose the repair facility—you can use any licensed repair facility in the US or Canada
  • After satisfying any applicable deductible, the repair facility will submit your claim
  • Your claim is paid directly to the repair facility

 

NEA Members are eligible for a $100 discount on any extended vehicle protection policy and also receive the following benefits:

  • We Pay Your Vehicle Repair Bills
  • 0% Easy Payment Plans
  • 24/7 Roadside Assistance
  • Car Rental Coverage
  • Hotel and Lodging Coverage
  • Lock-Out Service
  • Emergency Fuel Delivery
  • Flat Tire Change Service
  • Battery Jump Service

 

Get a custom quote for your make & model today and see how easy and affordable it can be never to worry about auto repair costs again!

 

 

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NEA COMPLIMENTARY LIFE INSURANCE – FREE!

As a member of IEA/NEA you are covered with a free life insurance policy. Coverage is issued by The Prudential Insurance Company of America (Prudential). To help give your family the insurance protection and added peace of mind they deserve, the NEA Members Insurance Trust® offers Complimentary Life Insurance at no extra cost to Active, Staff, Reserve and Life members.

This complimentary coverage includes:

  • Up to $1,000 of term life insurance ($200 per year of continuous membership to a maximum of $1000.)
  • Up to $5,000 of accidental death and dismemberment (AD&D) coverage ($1000 per year of continuous membership to a maximum of $5000.)
  • $50,000 of AD&D insurance for any covered accident that occurs on the job or while serving as an Association Leader.
  • $150,000 of life insurance for unlawful homicide while on the job.

Who should your coverage be protecting?

Settle this important question today by taking a moment to name one or more beneficiaries. If the worst happens to you, your choice will clear up doubts and cut through delays—speeding up benefit payments for loved ones who need them.

Your complimentary coverage is a great first step. Is it enough?

Many members rely on NEA Complimentary Life Insurance to supplement school district coverage. But the combined benefit may not be enough for family members to remain in your home or pay their bills easily. Our coverage calculator helps you assess their needs.

With this calculator you can determine if you wish to purchase additional life insurance coverage with the several options available from NEA Member Benefits.

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FIVE SMART REASONS TO BUY PET INSURANCE

(NEA Member Benefits provides a discount program for this insurance!)

One of our best health allies is often just a tail wag or purr away. They bring us back from the brink of tears, join in when we feel like cheering and possess uncanny abilities to tame our daily stress.

It goes without saying that we embrace dogs, cats and other companion animals as full-fledged family members. Many of us scrutinize pet food labels to pick healthy choices, scour the pet supply store for just the right bed and delight in treating them to oodles of toys. Yet, according to the latest American Pet Products Association’s Pet Owners Survey, only 4% of dog owners and 1% of cat owners carry pet insurance policies.

 

“It’s puzzling why we are a nation so in love with our pets, yet so slow to embrace the concept of pet insurance,” says Kristen Lynch, executive director of the North American Pet Health Insurance Association (NAPHIA), the consortium representing the voice for this pet industry.

But when a pet medical emergency strikes, just how financially prepared are you? Carrie Powers, a school guidance counselor from Burke, VA, had to coax her husband, Bill, into agreeing to purchase a Pets Best Insurance plan when they adopted a Shih Tzu puppy they named Cooper nearly 6 years ago. In February, their always-energetic dog sat frozen in the driveway, unable to move. Veterinarians at the emergency clinic diagnosed a ruptured disc in Cooper’s vertebrae. He required life-saving surgery that night and extensive post-surgical care that lasted several weeks.

The bill totaled $6,913. Within 3 days, Pets Best reimbursed the Coopers $5,476.

“No one is ready for a $7,000 pet emergency bill,” says Bill Cooper. “We got Cooper after a failed adoption. To say he is spoiled is an understatement. But Pets Best came through and I’m happy to say Cooper is back to his old playful self.”

 

Jack Stephens, DVM, who founded the pet insurance industry in the United States nearly 30 years ago and now heads Pets Best, offers these reasons why buying pet insurance is a smart move:

  • Allows you to pick your veterinarian. Unlike human health insurance policies that may require you to use a specific health care provider, pet insurance policies allow you to obtain care from the veterinarian of your choosing. You simply provide the veterinary bill to the insurance company for reimbursement of qualified expenses.
  • Does not discriminate against any breed or age of pet. While it is advisable to obtain pet insurance as soon as you adopt your pet to obtain lower premiums, you can also insure your pet years later.
  • Delivers peace of mind. Having pet insurance allows you to choose treatments for your ailing or injured pet based on the best medical option available and not restricted based on family finances. Most pet insurance policies reimburse up to 80% of costs after deductibles.
  • Provides an easy way to budget pet care costs. Pet insurance policies can be paid monthly, quarterly, semi-annually or annually. You decide which payment plan works best for you. Most plans offer discounts for additional pets in the household.
  • Prevents dipping into the family’s emergency fund. True, you can set up a pet savings account, but it can be tough to discipline one’s self from dipping into this designated account when you face pricey car repairs, household renovations or other major unexpected expenses.

And, most important, pet insurance coverage could save—and extend—the life of your pet by enabling you to authorize the medical treatment your pet needs should he develop cancer or require surgery, as was the case with Cooper.

“I admit I was skeptical about getting pet insurance at first,” says Bill Cooper. “Our premiums are $34 a month and we never really had to use it until this year when Cooper ruptured his disc. He means the world to us. I tell my pet-loving friends that you wouldn’t think of not insuring yourself or your child. Cooper is the first pet for both of us and he has become our kid.”

 

From the IEA Executive Director

"I feel that being an IEA member is a professional right and responsibility. Partnering with MBC just makes your membership an even more valuable resource."

Sue (Scott) Wigdorski
Idaho Education Association
Executive Director

From the IEA President

“The IEA is the voice for public education in Idaho, the leader in professional development opportunities, and the greatest source for support for the education profession. Having access to discounts from an array of vendors through Member Benefits is an added bonus for members!”

Kari Overall
President
Idaho Education Association

Contact Info

208.344.8336 / 800.223.6583  
ieamemberbenefits.org
iea-mbc@idahoea.org

IEA Member Benefits Corporation
620 N 6th Street - Boise Idaho 83702

Copyright 2017 © All Rights Reserved

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