Rental Insurance for College Students

Sending your child off to college is an exciting milestone, but it comes with its own set of responsibilities. One of the most important things to consider is rental insurance. Did you know that your college student’s personal belongings might not be fully covered by your homeowner’s insurance? Whether they’re living in a dorm or an off-campus apartment, rental insurance can protect their valuables from theft, fire, and other unexpected events.

Why it’s important:

• Protection: Covers personal belongings such as electronics, furniture, and clothing.
• Liability: Protects your student from liability claims if someone is injured in their rented space.
• Peace of mind: Ensures that your child’s belongings are covered, so they can focus on their studies.

School Bus Safety for Younger Students

As younger students head back to school, safety is a top priority. School buses are one of the safest modes of transportation, but it’s important to ensure your child knows how to stay safe while waiting for and riding the bus.

Key safety tips:

• Arrive early: Teach your child to arrive at the bus stop at least five minutes before the bus is scheduled to arrive.
• Stay safe while waiting: Remind them to wait for the bus in a safe spot away from the road.
• Proper behavior: Encourage your child to stay seated on the bus and listen to the driver’s instructions.
• Look both ways: Make sure they look both ways before crossing the street after getting off the bus.

Welcome, Margarita Heese!



We’re thrilled to welcome Margarita Heese to the FRM Group Insurance team! Margarita brings over 30 years of experience in the insurance industry, holding licenses in Pennsylvania, New Jersey, and Connecticut. She’s also been a notary in New Jersey for more than 15 years and has extensive experience in accounting, claims, and personal lines customer service.

Margarita is particularly proud of obtaining her Producer licenses, which she achieved through hard work and determination. She resides in Columbia, NJ, with her husband of 42 years, their son, one dog (Mo), and two cats (Jojo and Zeke). In her spare time, she enjoys reading, taking walks, watching old movies, and listening to music.

We’re excited to have Margarita on board, and we know she’ll be a valuable asset to our team.

For more information about Margarita and how she can assist with your insurance needs, visit our website at FRMinsurancegroup.com.