Renters Insurance

The cost of a gas bill in a one bedroom apartment is around 25-35 dollars a month. During the summer time if the apartment is equipped with central air the cost may fluctuate to 50 dollars on average.

It depends on the insurance company and it also depends on rather or not the person whom you are trying to get insured was a smoker, drug user, or had HIV/AIDS. You can not get a policy without the insured knowing it. They must pass a health screening. That is what determines your quote. These online insurance companies can't really tell you anything with their online quotes. But if you are really serious then you would need to contact a insurance salesman or some sort of agent. They say, the typical million-dollar policy is around $250. Not affordable for the average person. And also remember that you have to have a reason for wanting a large policy like that to begin with. That type of policy will not be given to the average person who's gross income is $25K yearly. They would offer a person like that a normal life insurance policy. You must have reason for wanting one.

Apparently, it is. I lived in Southern CA. in an apartment complex that kept flooding. So when the owner got everything fixed, he required renters insurance so that he couldn't be sued if it flooded again.

In North Carolina, $25,000 in coverage will run anywhere between $75.00 to $150.00 per year depending on the deductible, construction type (frame or brick), and zip code.

That is up to the discression of the insurance company.

What was the cause of the stain? If same came from a leak from a common source, the property owner's PD carrier would most likely be responsible. If you caused it, I do not believe your carrier would extend coverage. Do you have an endorsement on your policy that covers this type of occurrence?

The simple answer is NO. Homeowners policies will specifically exclude any vehicle licensed or intended for road use. To get coverage you will need to have Comprehensive coverage on your auto insurance policy.

Insurance carriers can refuse to insure you if you have an adverse claims history, it all depends on there underwriting guidelines.

Being in a more secure neighborhood may be enough to get you approved for coverage again. Also, the installation security enhancing measures such as burglar alarms and video monitoring devices can help lower your risk for being the victim theft or burglary again.

Any measures you take to reduce your risk factors will be looked on favorably by the insurance company of your choice. Some like the alarms systems will even get you a premium discount on your policy.

Claims are one of the first things they look at, no matter what type of claim, it does send up red flags. I would just keep checking with all the companies in your area and if not maybe they can refer you to a high risk company.

You should have it anyway!

It's called an act of nature. No one is liable for acts of nature. Simply submit a claim to your auto insurance. You'll be responsible for the deductible but they'll cover the rest.

There's a chance someone could be found at fault if the tree was rotten, not rooted correctly, grossly overgrown or otherwise unstable enough to fall, but you'd have to prove that 1) the people responsible were aware of the problem and 2) they refused to fix the problem.

Damages that happen as a result from pulling you car from a ditch or from an accident are not the "fault" of the towing company, after the car is loaded any damages are the "fault" of the towing company so it depends on when the damage occured.

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.

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

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.

I would think so. Renter's insurance covers your personal property (clothing, furniture, any personal effects not used for business purposes) as well as providing liability coverage for you in the event you are liable for property damage or bodily injury to another. Where you rent should have little bearing on getting coverage.

Yes, always.

check the covered perils on your insurance policy. Most policies won't cover it

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.

South Carolina has an overall cost of living at 4 percent below the national average. The housing and apartment rentals are 9 percent below the national average. The average cost of rent would depend on the location and type of place.

section 236 pertains primarily to the financing of the property, however it encompasses mixed income persons i.e people who are on section 8 and people who pay market rent.

Depending on coverage, you are looking at $250 or less. Rates will vary depending on your specific neighborhood and the amount of personal property coverage you purchase and what liability limits you choose. Most people go up to $15,000 minimum for replacement cost coverage and choose $300,000 in liability. If you have more electronics, expensive furniture or other costly items to replace you should consider increasing your personal property coverage. Additionally, many renters can save up to 5% if they combine their renters policy with their auto insurance provider. For free comparisons from several renters insurance providers get multiple quotes from licensed companies that do business throughout NY.

See related links for more information

Damage to the building (and anything permanently attached to the building, including wall to wall carpeting)is the responsibility of the building owner, and his Building InsurancecoverageHOWEVER any damage caused by the Tenant or damage caused by the Tenant'snegligence- would be covered under the "Tenants Legal Liability" coverage -of the"Tenant's Package" policy carried by the Renter.

The answer is basically no. The landlord is never responsible for damages to personal property belonging to tenants in any dwelling or structure. That is why you are strongly encouraged to get renters insurance. In some cases you may have some recourse if the landlord knew of the problem. But if you get renters insurance be insurance company can determine that for you and they can seek damages from the landlord.