Renters Insurance

-$20

Renters insurance can be purchased for an apartment or rented home or condo. Most standard policies come with contents coverage, liability coverage, and reimbursement for external living expenses in the event that your residence is significantly damaged.

Here is an informative article I found on how to find affordable renters insurance:

http://www.insuranceagents.com/free-renters-quotes.html

Insurance. A fire department can use any means necessary to extinguish a fire. If a property is damaged, chances are it was to prevent the fire from spreading.

a apartment is a smaller unit of a house usally used for a small family it is usally cheaper than a house

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No, Your Insurance contract gives the Insurance company the right to settle or defend whichever is cheaper.

If the insured property owner interferes with the companies decisions you could forfeit all coverage under your policy for that claim and even get your policy cancelled.

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

Contact the insurance company at their home office (policy holder service) and request the proper form to cancel coverage. If the policy is in force and premiums are paid up to date, then any cash value or dividend additions/accumulations (if the ins. co. is a Mutual co.) will be paid, plus any amount of the current premium that is "unearned." If the policy is a term contract, and the premiums are paid up to date, then only the amount of "unearned" premium will be refunded. Another way to terminate a contract, (especially term ins.) is to simply not pay the premiums which are due, and let it "lapse."

It depends on your policy form and by how much you're underinsured. Often, "coinsurance" applies, and you could find that if you suffer a loss, your claim might be reduced because you're underinsured. For example, let's say you should insure your house for the full replacement cost of $100,000, but to save money you only want to insure it for the amount you owe on it, or $50,000. Because you are only insuring 50% of the value, the insurance company will discount your claims to match that 50%. In other words, let's say you have a kitchen fire and the cost to repair your kitchen is $25,000. You might expect to receive $25,000 (less your deductible) since you have more than that in coverage limits. BUT, because you are only insuring to 50% of value, the insurance company will only pay you 50% of your claim, or $12,500 (less your deductible.) You're better off insuring to 100% of value. In fact, some of your additional coverages that the policy provides are within the limit on your house, so you may even want to overinsure just a bit. Sometimes it's cheaper to insure for a bit more than less, because more expensive homes on average are more likely to be well maintained, suffer fewer breakins, and have better safety and security measures. If your homeowner's liability limit is too low, and someone is hurt on your property, you could risk your other personal assets and future earnings. It's surprising how inexpensive higher liability limits can be. Your insurance agent can give you some quotes before you make a decision to change your coverage.

Insurance is a payment plan for when things go wrong. If you don't have insurance you are going to have to come up with all the money at once. With insurance, you are making payments over a period of time to cover you in the event something happens.

Insurance is necessary because whether you are a renter or a homeowner, you will most likely keep all of your most cherished belongings in your home with you. Insurance could never replace the sentimental value of those belongings if lost, but it would at least provide financial indemnity to reduce the financial burden of losing those belongings.

If the law requires you to have insurance (Auto Liability) or someone else does (your mortgage company, your auto lender) you could be in hot water if you don't have it. Otherwise, you don't have to have insurance.

Depends on region and locale. Monthly rental prices can vary from a couple hundred to thousands per month ... it would be difficult, at best, to average out all apartments.

depends on the scale of the map...

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Yes it would but if it were due to the landlords negligence his liability insurance would cover the loss. Your insurance co will chase the claim against his for you. Place a claim with them.

I have to provide my apartment management with 100,000 liability insurance coverage. With Safeco it costs $18 per year. Liability coverage requires minimum personal property coverage of $10,000 (costs $57 per year) and replacement coverage (+$9). Total per year $84

Yes, you can. However, you may want to shop around since many companies will give you a discount when you have multiple products with them. Also, should you have an event that involves both, then you have to only deal with one company.

No. That's what renters insurance is for.

There are too many variables to provide an answer here. The best way to find out is to contact a local agent or agency and ask for quotes or at least a ballpark estimate.

Your gun was manufactured in 1993 according to the serial number. They are well made highly sough after shotguns usually valuing between $1500 and $2000 depending on condition.