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Warm up activity: How much do you know about protecting your property?1.2.3.4.5.6.7.8.14.3 Home Insurance Homeowners or renters (tenants)Protects personal possessions from fires, floods, theft, etc.Home Insurance Needs__________Real Property: structure such as___________________________________________ property: anything that can be _________________. Liability: medical bills if someone is injured on your property.5 ways renters insurance can protect you... Loss of property- owned or used by you- anywhere in the world. Loss of use- Pay for extra costs you would incur to live somewhere else while rental is being fixed. Personal liability-lawsuits,bodilyinjury Medical payments- limited $. Damage to property of others. Limited $Renter’s Insurance Why do you need it?Avg. value of apartment contents: $_______________Get it at your auto insurance company Qualify for a “_______________” discount.Only 34% of renters have insuranceTOO EXPENSIVE? No- average renter's policy costs just $185 a year.About$_______/month.Other types of insurance *Tuition Refund /Reimbursement InsuranceTypical coverage is about $_____________ a year. general coverage includes: Medical Disability: "If a student has to withdraw due to their accidental death, verified illness or an unforeseen physical disability (as defined by a physician) incurred after the policy goes into effect, the Plan will reimburse 100 percent of covered expenses up to the policy limits. Death of a tuition payer: "If a student has to completely withdraw due to the death of a tuition payer, the plan will pay doesn't cover costs if a student *Disability Insurance Protects you _____________________.It pays an income when an illness or injury prevents you from working.Sometimes employers offer disability insurance and you can purchase more if necessary.***Becoming more important than _______ Insurance.When will you need life insurance? When will you most likely be contacted by an agent?Do you need life insurance for your entire life?Life Insurance Provides financial support for people who depend on you. people who need it: anyone who has dependents : spouse, kidsTwo Basic types of life insurance:Term:Permanent or Whole:Beneficiaries:Who determines your beneficiaries How much life insurance do you need? Depends on amount of _____, _______________. Insurance industry estimates __________ times annual income. What other factors will influence how much you need?Life insurance quotes What information will be asked to determine life insurance premiums?Health insurance Affordable Care Act - ACAYou may stay on parents’ family healthcare plan until your ______th birthday if:ACA--3 things that determine your premiums:Healthcare deductibles...Fine for no Healthcare Insurance: ................
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