Why PulteGroup Employees Should Consider Renter's Insurance: Managing Your Personal Belongings and Financial Future

Healthcare Provider Update: Healthcare Provider for PulteGroup PulteGroup's healthcare benefits for employees are often structured through the PulteGroup 401(k) Savings Plan in conjunction with various health insurance plans, where specific healthcare providers can vary by region. As of 2025, PulteGroup employees typically access health coverage via national insurers which can include UnitedHealthcare, Anthem, and others that offer both group and individual market plans under the Affordable Care Act (ACA). Potential Healthcare Cost Increases in 2026 In 2026, PulteGroup employees may face significant increases in health insurance costs as the ACA marketplace braces for premium hikes that could exceed 60% in certain states. This surge is influenced by the potential expiration of enhanced federal premium subsidies, prompting a drastic rise in out-of-pocket expenses for nearly 92% of policyholders. Furthermore, rising healthcare costs, particularly for medical services and prescription drugs, are likely to exacerbate financial burdens on individuals and families in 2026. As these challenges loom, careful review of health plan options will be essential for employees seeking to mitigate the impact of escalating healthcare expenses., 'sources': [], 'images': [] Click here to learn more

Renters sometimes overlook the need for insurance based on the belief that they may not have a significant amount of personal possessions, or because the property is already insured by the owner.

PulteGroup employees must note how while it is true that a rental property is insured by the owner, the destruction or loss of your personal belongings is not. But, that’s not the only risk renters need to worry about.

The typical renter’s insurance policy can cover your possessions against losses arising from fire, smoke, lightning, theft, vandalism, explosion, wind storm and water damage (excluding floods).

If you are employed at PulteGroup, even if you don’t believe that the value of your personal possessions warrants insurance protection (though you may think differently after an inventory of their value), renter’s insurance covers other potential risks that can adversely impact your finances.

PulteGroup employees must note that renter’s insurance is designed to cover damages and costs in the event that visitors are injured in your apartment or elsewhere by you, your pet, or a family member living with you. This includes any legal defense expenses if you are taken to court.

A renter’s policy may also cover additional living expenses should you be unable to live in your apartment due to a covered peril, such as fire, though the policy may set limits on how much you will be reimbursed.

PulteGroup employees should make sure to know whether a policy insures for actual cash value (pays to replace your possessions after reducing for depreciation) or for replacement cost (which pays the actual cost of replacing items, up to policy limits). In most cases, replacement cost coverage is the smarter option.

If you are employed at PulteGroup and have any possessions of particularly high value such as art or jewelry, you may want to add a floater to the standard renter’s insurance policy.

Featured Video

Articles you may find interesting:

If you are living with a roommate or domestic partner, you should inquire how the policy is expected to cover both parties as state regulations and insurance policies may vary.

Renter’s insurance is usually quite inexpensive, so if you are unsure whether to purchase a renter’s policy, talk to an insurance agent and obtain a quote. The low cost of protection may make a smart decision easier.