The best way to find out is to contact a local agent or agency and ask for quotes or at least a ballpark estimate. Rates vary widely from company to company so be sure you shop around.

Depends on the policy and company. But most exclude animals, insects, and varmints.

The local fire department should know. Call the fire dept that responds to the area where the property is located.

Renters insurance is definitely worth getting. Most agents or brokers from whom homeowners insurance can be purchased can also write renters insurance.

As for renters insurance being shared... since you are renting the premises, renters insurance covers contents only (not the structure of the building). The policy that you buy will specify the meetes and bounds of what is covered. It is important that you list on the application or other document tendered by the agent, the items that you wish to insure. The value of the items will determine the amount of coverage that you buy.

If you are buying the insurance with your roomate, be sure that both of you are shown to be insureds on the policy. Keep in mind, though, that if you part ways, the policy may have to be altered for the person who moved because the risk has changed (the property insured will be relocated to a new location).

Get receipts, photos, and descriptions ready for each of the items, especially the expensive items, and tell your renters insurance company that you want to add additional items to your renters insurance policy.

The answer below is pretty much correct. It is important to understand that there is rent and security. The deposit is to cover losses and protect the landowner against you if you have bad credit or if you demolish the apartment. The owner must deposit this in a separate security account that carries interest payments on your money.

Only if it is included in the wording of the lease that was signed. If there is no clause requiring last month's rent. Then the request by the landlord is unenforceable.

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Better if you are going to review your contract because that is the only way to know if the things that your landlord's doing are legal. There are times that they are allowed to ask for last months deposit because they need to be assured that even though you will be evicted or move out without ending the lease and you choose not to pay your last monthly rental fee at least they have your last month deposit.

There are different types of insurance, may be the insurance cover you are opting doesn't cover your stuff when you are outside the house premises. In that case you should ask your insurance agent to provide that insurance to you.

Insurance companies investigating or handling a claim appoint an adjuster. I know of no instance where an insured or claimant would hire an insurance companies adjuster.

If you disagree with the company adjusters valuation or handling of your claim, You are welcome to go out and hire your own public adjuster to get a second opinion.

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Yes. there is renter's insurance that offers optional "Involuntary Unemployment" insurance coverage.

As long as it is just a visit, and your primary residence is still the apartment that you rent, keep the insurance. Many leases, even residential ones, require that insurance be maintained during the term of the lease, with the landlord named as an additional insured. Therefore, were you to cancel coverage, you may be deemed to be in breach of the lease.

Additionally, renters insurance covers primarily contents and those things "within the 4 walls"; the landlord's coverage generally covers the structure. Therefore, were there to be a covered loss while you were away and the insurance had been cancelled, you would be effectively uninsured.

It is also important to check the insurance policy to determine whether or not there are provisions requiring you to notify the insurer or the agent of your extended absence. The reason for such a provision is because, in theory, a greater risk of loss may be considered to exist in a vacant unit that has no one monitoring potential problems (such as leakage of water), that could give rise to a claim.

Review the policy with your agent prior to departing, but keep it in force.

I recommend you contact your insurance company, and inform them of the recovered goods

== == Usually paying the last month rent means you pay the regular rent plus a closing fee which means if there are any damages done to the place that was not there before you then you have to pay so much for that too. == == The usual practice is to pay the "first and last" month's rent when you move IN to the unit. This means that the owner is holding a amount that is equal to the last month's rent that you occupy the unit. This is so you can't skip owing rent.

The answer completely depends on where the property is, how big it is, and all other kinds of actuarial data that insurance companies use. It is usually less expensive than both auto and homeowners in the same area. Best thing you can do is pick up the phone and call a few companies. If you don't know you're renting yet, just make up something similar to what you want to rent to get a ballpark number. Insurance agents can give you a quote in five minutes. Call more than one, but if you are comparing, make sure it's for the same coverages and deductibles.

Most Renters Insurance has a Liability component as well as personal property coverage. So if the fire was the renters fault the landlord could sue the renter then the liability insurance would pay.

Yes, your neighbor is at fault unless your actions contributed to the rupture.

The regulations regarding all monies paid by a tenant in advance to a landlord varies greatly by state and local municipalities. In California, specifically Los Angeles county where I live, a landlord is prohibited from requiring advance payment of rent and must call it 'security deposit'. Here, a rule, effective as of 1990 (but in a moratorium as of this year!), mandates payment of interest on any and all monies held more than 12 months. And, in researching rental rights for landlord and for tenant, I have come across many variants regarding advance and deposit payments that one would need to know your location for a definitive answer!

Yes, most of them want you to have it for liability purposes.

If you were aware of a leak....informed no one, took no steps to repair or prevent the water from escaping your apartment and damaging your neighbor's goods......you are. However, if you are talking of a sudden and accidental occurence....neither you, the neighbors or the owner/landlord had warning or knowledge of the potential water escaping...your insurance covers your property, the neighbor's insurance covers his etc...

A bed bug infestation would be considered a normal maintenance issue and is not a covered peril under any homeowners insurance policy. Occasional exterminator treatment is a normal and expected cost associated with home ownership and maintenance.

To rent or to buy? Which one? Where? How many variables are there to this question.....?

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