01 Aug 2010
by Didiin New Information Tags: cheap renters insurance, Liability coverage, personal property coverage, Renters Insurance, Replacement cost
Renter’s insurance assures you that you’re protected against the damage or loss of personal property
when you rent an apartment or house. Your landlord may have insurance that protects the physical
building in which you reside, but this insurance will not cover your personal property. In fact, it’s not at all uncommon for landlords to require the purchase of renters insurance prior to renting or leasing. This is prudent for both the renter and the landlord, protecting both from the possibility of lawsuit by alleviating each other’s respective liability.In determining whether or not you need renters insurance, the questions you need to ask yourself are:
How much would it cost to replace my belongings if they were damaged or stolen? And can I afford to
replace them? Depending on your answer, renters insurance may be an easy choice, providing you with
the protection you need. Either way, it’s reassuring to have the peace of mind that comes from being
protected.
Things to consider before purchasing rental insurance:
How Much Coverage? The amount of renters insurance you choose will have the biggest impact
on price of coverage. It is important to insure against all of your property. Remember, you’re not just
insuring against theft. In the case of a fire, for example, you could lose everything.
Deductible
– The amount of the deductible premium that you’re willing to pay will have a major
impact on the premium costs. The higher the deductible, the lower the cost of home renters
insurance.
Actual Cash Value (ACV)
– Type of coverage that will pay for what the item was actually worth at
the time of loss. This basic coverage payout is determined by the cost to replace, minus
depreciation.
Replacement Cost
Here are a few ways to save on renters insurance. Many insurers will offer
discounts, if you have some of the following:
Monitored fire or burglar alarms
Fire extinguishers
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Sprinkler systems
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Auto insurance with that provided
If you own a dog, however, it may add to your premium. Due to liability issues,
some insurers won’t even offer insurance if certain dog breeds are owned. This
discrimination is exclusive to certain larger working dog breeds. It’s unfortunate
because many of these breeds are good-natured and provide a great deterrent
to theft. Yet, in the eye of the insurer, they’re a risk. The insurance companies
that do offer coverage for these breeds, will often do so at a premium.
Flood and Earthquake protection is not commonly included on rental insurance
policies. If you live in an area where these natural disasters are more common,
you may want to purchase an additional rider.
Liability coverage is most often a standard feature with renters insurance. This
can prove invaluable in case of an accident, such as a slip or fall by a guest. It
provides protection against legal claims that you may be obligated to pay, such
as injury, sickness and death. It is, however, limited to the amount of liability
coverage provided by your policy.
In order to avoid any disputes with your insurance company, it’s recommended that you take an inventory of your personal items before purchasing rental insurance. This can be done by video taping or photographing each room of your house. It is important to keep all receipts for any major purchases, as well. The above should be kept offsite, in a fireproof safe or safety deposit box.
Fortunately, renters insurance is relatively inexpensive. If you’re looking for cheap renters insurance, it is not uncommon to see policies with premiums that are less than $20 a month. And, thanks to the internet, you can get a competitive online renters insurance quote with relative ease. Always make sure to go with a reputable renters insurance company when choosing a policy. This eliminates any surprises should the unfortunate need arise.
01 Jul 2010
by Didiin New Information
Freedom is essential to the American way of life. Today we celebrate those who dared to declare our independence and ensure our right to pursue happiness and the American dream. We wish you a happy and safe Independence Day, and we’re truly honored that you’ve chosen us for all of your real estate needs. Feel free to call us any time.
20 Jun 2010
by Didiin New Information
Sellers continue to be stung by scams from companies offering to get them out of foreclosure.
Desperate for help, sellers often fall prey to scams offering them relief from foreclosure- for a fee. Often (but not always) the money spent is wasted and the home owner is still facing foreclosure of short sale conditions. Before spending a dime with anybody- you need to consult with legal and/or financial professionals to determine the best way for you to handle mortgage problems. For additional information copy and paste the following link into your browser: http://makinghomeaffordable.gov/
17 Jun 2010
by Didiin New Information Tags: Bank Owned, Eustis Homes, Find a Realtor, For Sale, Foreclosures, Homes, Homes for Sale, Mount Dora, Short Sale, Tavares Homes
Summer is almost here…and its arrival marks both the end and the beginning of a cycle. It’s a perfect time to reflect on what we’ve accomplished so far and to plan for what we’re hoping to do next. This summer, give us a call. Let’s review our successes and prepare for even greater triumphs in the coming years!
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12 Jun 2010
by Didiin New Information Tags: Affordable, Don't wait, Low Home prices, lower interest rates, opportunities
For the last couple of years, home buyers have benefitted from an affordable combination of lower home prices and lower interest rates. But if you’ve been on the fence about buying a home, or waiting for even better buying opportunities, now might be the time to give us a call to see if buying today makes sense for your individual goals and needs. Even though the government’s popular Home Buyer’s Tax Credit expired on April, 30, 2010, this is still a good time to act, as home affordability is likely to get worse before getting better. Ever since the Federal Reserve’s program to help lower home loan rates and stabilize the housing sector ended in March, 2010, after purchasing a reported $1.25 Trillion in Mortgage Backed Securities, the mortgage market has been very volatile. And despite fluctuations, rates remain good overall; but, as the Federal Reserve sells off some of its huge holdings, supply in the market will increase, and likely lead to higher rates. Don’t wait until higher rates force you out of the market. Give us a call today
29 May 2010
by Didiin New Information Tags: Home Ownership, Tax Credit
Home Buyer Tax Credit Extended for Military Personel!
That’s right. Thanks to the Worker, Home Ownership, and Business Assistance Act of 2009, which was signed into law by the President on November 6, 2009, qualified military service members have one extra year to take advantage of The Homebuyer’s Tax Credit of up to $8,000 for first-time buyers and up to $6,500 for certain repeat buyers. This means qualified military members must be under contract on a purchase by April 30, 2011 and close on the deal by June 30, 2011.
Qualified military buyers can also utilize this tax credit along with other available benefits from the Department of Veterans Affairs (VA), making this dollar-for-dollar tax credit extremely financially attractive with today’s lower home prices and lower interest rates. That’s because the VA allows qualified military borrowers to purchase certain homes in certain areas with no money down and no private mortgage insurance.$800
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26 May 2010
by Didiin New Information Tags: Family
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| In remembering our heroes, we honor the great sacrifices made for the dreams of every American. May we never forget their strength, courage, and profound willingness to stand up and defend our way of life. We hope this important holiday finds you and your family well and inspires you to reach for your dreams. Have a Safe Memorial Day week end. |
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