a fire should destroy or damage your home, your landlordÆs insurance will cover the structure. It wonÆt cover damage or loss of your belongings. Neither will it provide for the cost of temporary housing for you and your family. You may think you donÆt own enough personal property to make the cost of insurance worthwhile. YouÆre probably wrong! If you sit down and add up the cost of everything you own, you may be in for a big surprise. Consider what you have invested in such things as: ò Furniture and accessories ò Electronics like TV, stereo, computers ò Small appliances like microwaves, toaster ovens, etc. ò Clothing ò Art work like paintings or prints ò Dishes, silverware and cookware ò Sporting equipment ò Books ò Jewelry Could you afford to replace all of these things? Even worse, what would you do if a friend is injured on your property and decides to sue you for medical costs and more? ItÆs a scary thought, isnÆt it? Are you beginning to see why rental insurance may be a very wise investment? The cost of rental insurance is based on several factors: ò The dollar amount of your coverage ò Deductibles ò Whether you choose to be reimbursed for Actual Cash Value or Replacement Costs (more about that in a minute) ò Where your rental property is located and the number of previous claims made, not only by you, but by others living in the same area. Let me explain the difference between Actual Cash Value (ACV) and Replacement Costs. ACV is the value of your property at the time a loss takes place. For example, if your television set is five years old, itÆs valued at much less than if it were brand new. The lesser amount is what you are reimbursed. However, if you opt for Replacement Cost, youÆre paid whatever it costs to go out and buy a new TV with similar features. Insuring for replacement cost raises the amount of your premium so itÆs a good idea to get quotes for both ACV and Replacement Cost policies. Then you can decide which option fits your needs and budget. Another thing to keep in mind is that jewelry, valuable collections, and guns are usually covered under a separate policy or ôriderö. If you own these kinds of items, be sure to tell your insurance agent. You donÆt want to find out after disaster strikes that they arenÆt covered or that they arenÆt covered for their true value. One way you can reduce the cost of your rental insurance is to check with whichever company insures your car. If they provide rental insurance you may be eligible for a multi-line
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Skip Davidson Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Skip Davidson Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Skip Davidson Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Skip Davidson Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Skip Davidson Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Skip Davidson Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Skip Davidson Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Skip Davidson Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Skip Davidson Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Skip Davidson Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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