Our Best Insurance Tips and Insights for Millennials



Most millennials are now in a phase of their life where they are making big decisions. Some may be starting a family and buying a home. Others may be traveling the world and opening businesses. Whatever path you choose, we are here to help make sure you are prepared.


To help you live more and worry less, we put together this guide with our best tips and insight when it comes to insurance.


Find Out How You Can Save Money

We always remind our clients to not leave money on the table — we’re here to help you find the best ways to save. Your Cushman Insurance agent will review all of the available discounts that you may be eligible for and discuss the options with you. We also recommend looking into bundling your home and auto insurance, on average you can save up to 15% by doing so!


Protect Your Valuables

Along with having the standard home and auto insurance, you should make sure you have all of your valuables protected — this includes engagement rings, expensive cameras, tech equipment, art and more. Most of these items may be outside of your coverage limit and will require additional coverage.


Create A Home Inventory List

Whether you own a home in the suburbs or are renting an apartment in the city, creating a home inventory is a necessity. In the event of an unexpected tragedy, like a robbery or a fire, a detailed inventory list shows the condition of your belongings before a loss.


Keeping a list, both written and photographed, also will verify what is covered within your home. Every item that is not documented will not be reimbursed in the case of an accident, which means to maximize your coverage, a detailed home inventory is one of your most powerful tools.


Purchase Life Insurance

Did you know that life insurance is essential, no matter what age you are?


For millennials, purchasing life insurance is a good idea because you will receive a better policy rate now when you’re young and healthy. Life insurance is designed to help your family cover unexpected costs in the event of your death. These expenses can include student loan debt, a mortgage payment, childcare expenses, and funeral costs. It sounds crazy to think about, but life insurance is designed to protect you from the unexpected.


Work With an Independent Agent

While most millennials refer to Google for hard hitting questions, Cushman Insurance suggests working with a local independent agent. An independent agent is a friend in the insurance business that can help guide you in the best course of action.


At Cushman Insurance, we work with multiple different carriers, and our goal is to help you find the best coverage for the best price. We know the options and can explain what each policy includes, and whether or not it is in your best interest to purchase additional coverage.


Cushman Insurance knows you have a lot on your plate, so let us help you during the insurance search. Leave it to us to find you the best possible coverage for the lowest possible rate.


If you are a millennial who needs a guide in purchasing your own insurance for the first time, Cushman Insurance can help. As independent agents, we will be on your side – not the side of the insurance companies.


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