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Graduating is often a very exciting time in someone’s life. If you have just graduated or will soon, there are many things that you need to take into consideration before starting off on your own. With proper planning, you can start the road to independence on the right foot. Below are some tidbits of information that can help you rest assured that you have all of the protection you need to start your new and exciting life safely.

Renters Insurance

When you get your first apartment, you need to be sure that you purchase renters insurance. If someone breaks into your home and steals your property, a fire breaks out, or the building is flooded, the insurance will pay for your damaged or stolen belongings. If you do not have rental insurance, you will have to pay to replace the items on your own.

Car Insurance

When you move out on your own, you will more than likely be dropped from your parents’ Manteno auto insurance policy. That means that you will have to get a policy on your own. Depending upon your age, sex, and driving history, your car insurance premiums could be significant. It is possible to pay for your premiums on a monthly basis so that they are more affordable for you though.

Health Insurance

It is important to have health insurance when you live on your own. Depending on the benefits that come with your job, you may already have health insurance coverage. If you do not, it is possible to get the coverage you need on your own. You need to shop around to ensure that you get the best rate before signing with any particular company.

Life Insurance

Many people think that they do not need to get life insurance when they are young or if they do not have any dependents. You may want to consider life insurance, if for nothing more than to make sure that your burial costs are paid, if you were to pass unexpectedly. It is also much easier to get great life insurance coverage while you are young and fit.

Dental Insurance

Dental insurance is another must have form of insurance because your dental health is important. You can often get dental insurance from the same company that provides your health coverage. You may be able to get a discounted rate for having both policies with the same company.

Before purchasing any insurance policy, you need to be sure that you know what the coverage entails. Talk to an agent and ask questions about how to file a claim, the coverage options that are available, and the deductible requirements for each. This will allow you to make an informed choice and rest assured that you are only paying for the coverage you need. To learn more about the insurance options that are available to you, call a knowledgeable agent at HomeStar Insurance Services at 815-468-8763 today.
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Scott and Rhonda
435 E. North St.
Bradley, IL 60915
Phone (815) 929-2203
Fax (815) 929-2207
Ted, Michelle & Genya
576 Latham Dr.
Bourbonnais, IL 60914
Phone (815) 929-2200
Fax (815) 937-3885
Jim, Josh, Brittnee & Aimee
303 Section Line Rd.
Manteno, IL 60950
Phone (815) 468-8763
Fax (815) 468-7563
Brian and Jacci
303 Section Line Rd.
Manteno, IL 60950
Phone (815) 468-2776
Fax (815) 468-2371
Suzie, Cheryl, & Kristina 
255 E. Station Street
Kankakee, IL 60901
Phone (815) 352-4655
Fax (815) 932-6744
Josh
25640 S. Gougar Rd.
Manhattan, IL 60442
Phone (815) 468-8763
Fax (815) 468-7563