Insurance 101 for New Grads: What You Need to Know
- Cushman Insurance Group
- May 12
- 2 min read

Graduating college is a huge accomplishment — congrats! Whether you’re landing your first job, getting your own place, or shopping for a car, “adulting” brings a whole new set of responsibilities, and one of the biggest is protecting yourself with the right insurance coverage.
At Cushman Insurance, we know insurance can feel overwhelming, especially if it’s your first time buying it. That’s why we’re breaking down the basics of what you need—and how to keep it affordable.
1. Renters Insurance: Why You Definitely Need It
So you just signed a lease on your first apartment — exciting! But here’s the part many renters overlook: your landlord’s insurance only covers the building, not your stuff.
Renters insurance protects:
Your belongings (laptop, clothes, furniture) from things like theft, fire, and water damage
Liability if someone gets hurt in your apartment
Temporary living expenses if your place becomes unlivable
Good news? Renters insurance is super affordable! Most plans cost less than $20/month. It’s a small price for big peace of mind.
2. Auto Insurance: The Basics for Budgeting
If you’re driving a car, whether you own it or it’s in your parents’ name, you need auto insurance. But not all coverage is created equal.
Here’s a quick breakdown:
Liability coverage (required by law) pays for injuries or damage you cause to others
Collision coverage pays for damage to your car in an accident
Comprehensive coverage covers non-crash events like theft, vandalism, or hail
Tips to save:
Stay on your parents’ policy if you can (and they’re okay with it)
Ask about good student or safe driver discounts
Consider a higher deductible if you have emergency savings
Bundle renters + auto with the same insurer for a discount
3. What You Actually Need (And What You Don’t)
Budgeting is key after graduation, so don’t overpay for coverage you don’t need. But don’t skimp on the basics either.
Ask yourself:
Do I have roommates? Make sure your renters insurance covers shared spaces.
Is my car financed? Lenders may require full coverage.
Do I work remotely? Your home setup might need extra protection.
Do I freelance or have a side hustle? You might need extra liability coverage.
Our team at Cushman Insurance can help you sort through what you really need based on your lifestyle and budget.
Start Smart, Stay Protected
Insurance might not be the most exciting part of post-grad life, but it’s one of the smartest. Taking a few minutes to set up the right coverage now can save you thousands, and a ton of stress, down the road.
At Cushman Insurance, we specialize in helping young adults like you make confident, budget-friendly choices. We’ll walk you through every step and explain your options in plain English — no jargon, no pressure.
Ready to get started? Give us a call or stop by! We’re here to help you protect what matters most as you start this next chapter.
Public liability insurance isn’t just a checkbox—it's what saved us from a major claim when a customer tripped in our store.
We are recognized among the best interior designers in Pune for delivering personalized, elegant, and functional spaces. Our team blends creativity with technical expertise to bring your vision to life, on time and within budget. Home Makeover Services
Tech-Integrated Interior Design
Smart Home Interior Designers
Virtual Interior Design Services
Futuristic Home Interiors
Our Escort Service in GK gorgeous call girls are not only gorgeous but also adept at making love, so you will have countless pleasures during your time with them. Our escorts are always prepared to provide, whether you're looking for a romantic date, a gangbang, or a casual hookup.