Life brings exciting twists and turns and, inevitably, a few bumps and detours, as well. Protect what you value most by making sure you have insurance coverage that makes sense for you at every stage of life’s journey.


Your parents are in the rear view mirror and your dorm room is all you can focus on. The last thing on your mind is insurance. But before you announce that your room will be the hangout for all your dorm mates, make sure your stuff stays your stuff. Check to see if your parents’ homeowners insurance policy covers your belongings in case of fire, theft, vandalism or other covered event. If not, renters insurance may be a good fit.

These policies will cover the stuff in your car, too. And speaking of your car, this is also a great time to add additional coverage to your auto insurance policy, such as glass replacement and towing.

  • Renters insurance
  • Auto insurance


Saying goodbye to dorm life leaves some grads so thrilled about the idea of no more roommates that they forget to bring their renters insurance with them. Do you own a tablet, smartphone, Blu-ray, stereo or computer?  Whether you rent an apartment or buy a place, make sure your possessions are protected with renters or homeowners insurance.

Your first job might mean a new zip code as well. Check to make sure your auto insurance rates are still competitive for where you live.

  • Renters insurance
  • Homeowners insurance
  • Auto insurance


Although not as romantic as a dozen roses, one way to express your love to your spouse/partner is to purchase term life insurance. If you have a mortgage or college loans and you want to take care of your loved ones after you’re gone, buy at least enough protection to pay off your debts.

If you’re moving from your apartment to a house in the suburbs, make sure to protect your new property and everything inside with homeowners insurance. Since you’re merging your assets, consider putting your cars under one auto insurance policy to optimize savings.


There’s more to love and more to protect with a new baby. Review health insurance and term life insurance policy as your family grows to ensure you can provide for your family if something happens to you. Making your home more kid-friendly may mean adjusting your liability limits as well.

As your family grows, and activities and interests develop, you may need specialty vehicle insurance to cover things like an RV, snowmobile or boat. As your jobs change, and you acquire more things, you may want to consider umbrella liability insurance to protect your net worth.

  • Health insurance
  • Term life insurance
  • Specialty vehicle insurance
  • Umbrella liability insurance

Empty nest

Say “bye-bye” to the minivan and “hello” to that red two-seater you’ve been dreaming about. Compare several quotes for auto insurance to make sure you’re getting the best rates.

Now that you can finally take down the big swing set and sand box in your backyard, you can start building the addition you’ve been dreaming about for years. Evaluate your homeowners policy before you break ground to see how your insurance needs will change with the expansion. Alternatively, since the kids have moved out, you may be considering a downsize to a smaller home. Be sure to update your homeowners insurance policy to potentially save some money.

Since your kids are adults, it may also be a good time to consider re-evaluating your life insurance coverage level.

  • Homeowners insurance
  • Auto insurance
  • Life insurance


With more free time, you can focus on you. Whether your dream is to sail around the world, crisscross the country in a 32-foot RV, or spend more time in the snow, protect your toys and vacation homes with specialty vehicle and homeowners insurance.

  • Specialty vehicle insurance
  • Homeowners insurance

No matter what stage in life you are, Wells Fargo Insurance is here for you.

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