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.
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.