Renters Insurance

Renters Insurance Articles

How to Write a Convincing Demand Letter to Settle Your Insurance Claim

Even though you do your best to stay safe, the time may eventually come when you’re involved in an accident where the other party’s is at fault. When this occurs, you could be stuck with loss of wages, damaged property, and medical bill expenses. Whether it’s just property damage or personal injury, you need to know that the at fault party’s insurance is willing to indemnify you in the case of a claim. Writing a demand letter is the best way make sure that all your expenses and losses are taken care of. This article will be a step by step guide on how to write a convincing demand letter to settle your insurance claim.

Home Appliance Warranties: Insurance for Your Appliances and More

Imagine returning to the comforts of your home, after a long two-week summer vacation. Drained by the Georgia heat, you briskly run to turn on your thermostat anxiously waiting to feel the cool sensation of air circulating through your home. However, there’s a problem! Ten minutes have passed and there isn’t any air blowing! Naturally, you begin pressing all buttons just to get a reaction from your air conditioner, but there is still no response. Hoping that the issue is something simple, you decide to: change the batteries in the thermostat and flip the AC valve switch on the breaker. But nothing is working. This is the moment when you know you need to call a HVAC specialist. He assesses the situation, only to tell you the one thing that no homeowner wants to hear: that your AC unit needs to be replaced! The replacement could cost anywhere from $500 to $4000 dollars! Unexpected home repairs can be a devastating financial strain. At some time or another, many homeowners will find themselves in this situation or one that is similar. Therefore, it is important to have a home warranty.

Commonly Misunderstood Insurance Concepts

Despite the availability of live agents, toll-free call centers, and an almost endless supply of information on the internet, policyholders everywhere still hold a multitude of misconceptions about insurance. Why do these fallacies persist? The reasons are almost as numerous as the misconceptions themselves. Some people are afraid to be ridiculed if they ask a question that they think is stupid. Others take the advice of friends or family members who may have good intentions but do not truly have a firm grasp of how insurance works. Whatever the reason, do not fall victim to any of these insurance misconceptions

Home Alarm Systems: Family Security, Insurance Savings and More

Home insurance carriers offer homeowners a lot of ways to save money on their home insurance premiums. Yet, many policyholders are unaware of these fantastic savings opportunities. For example, many insurance companies provide cheaper home insurance rates when living in areas with less natural disasters or having a home that can withstand a natural disaster. Homeowners can also save between 5 and 20 percent on their premiums by making changes to their homes that increase safety and security, such as installing new house wiring, protective roofing materials, natural gas and water leak detectors and burglary and emergency event alarm systems.

Engagement Ring Insurance

Before most people say, "I do" or ask "will you?" someone usually has to say "I'll take that one." So in a way, buying an engagement ring is really the first step in a life-long commitment. It makes sense to want to insure the symbol of your love, in order to guarantee that it will be around for a long time. But is engagement ring insurance really necessary or is it just a way for insurance companies to make a profit in the wedding industry? The truth about this coverage may surprise you.

Selecting the Best Insurance Policy Deductible

If you have been considering increasing the deductible on your policy, you may want to reconsider. Even though a higher deductible will result in a lower premium, there are long-term consequences to think about. Unfortunately, for many policyholders, the deductible is just one of many numbers on their policy that they don't understand. Before you make any changes to your policy, do your research and make sure that you're making the best decision for your personal financial situation.

Insurance for Fine Artwork

There's no need to be concerned that you won't be able to get insurance on your favorite work of art. In fact, if you already have a homeowner or renter's policy, the process is fairly simple. A standard home, renters, or condo insurance policy should automatically include some coverage for artwork. However, the limit isn't very high, so it may be necessary to add coverage if your needs exceed what has already been provided.

Buying Insurance from Independent Insurance Brokers vs Direct Writers

No matter what type of insurance you need, navigating the available choices can seem like a big hassle. Perhaps the first decision you'll need to make is whether to use an independent insurance broker or a direct writer. What's the difference? Simply put, independent brokers and agents will work for you and connect you to insurance products from a wide range of companies. Direct writers work for one company, usually one of the "big name" companies like Geico, and only have access to that company's products. Some large companies like Liberty Mutual and Allstate make use of both independent agents and direct writers, but many employ only direct writers. In some cases, using a direct writer is the only way to purchase a policy from a particular company.

Buying Insurance at Costco, Sam's Club and BJ's Wholesale Clubs

Insurance provides peace of mind by knowing that when a disaster or illness strikes - you're covered. Peace of mind can be expensive though, especially if you live on a fixed or low income or have dependents to cover. Fortunately, with the help of mass retailers, there's a cheaper way to buy insurance plans from trusted providers.

How to Find an Insurance Lawyer

When you are facing an issue with your insurance company, it can be quite a difficult task engaging them in legal battles on your own. Whether it is a case involving your car insurance, health insurance, workers compensation or other type of insurance, you are better of hiring an insurance lawyer. The following are some tips on finding an insurance attorney.

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Renters Insurance Quotes Online

When you're renting an apartment or house, you want to ensure that your belongings are protected against theft, fire and other events. Getting rental insurance is the first step in having the protection every renter needs. Renters insurance is similar to homeowners insurance, except that it does not cover the dwelling, other structures, and liability related to the those structures. This allows people who rent homes to insure their possessions and have the liability insurance necessary for any claims against them that is not covered by the landlord's insurance. Without renters insurance, you are gambling everything you own against the perils of life, and that is not a chance you need to take.

When you rent a home, the insurance policy of the homeowner does not extend to your personal belongings. For that, you need to have renters insurance designed specifically for your family's needs. Renters insurance covers your family's clothing, appliances, furniture, tools, recreational equipment, and protects you against lawsuits in the event someone in your family accidentally knock s baseball over the fence and through a neighbor's window.

Finding cheap renters insurance rates is a lot easier if you start with online renters insurance quotes. Getting quotes online will allow you to design a custom policy, and then compare the rates for coverage between several leading insurers. This means you can use one form to find out what your rates would be from a number of companies, and that translates into saving time and money.

Keep in mind that not all insurance companies are3 the same. Even when a company offers the lowest rates, the coverage you receive may not be as good as with another company. To make sure that you are getting the best deal from a reputable company, be sure to check the financial rating of potential insurers before you take out a policy. The A.M. Best Company is one such ratings company, providing the public with a simple Letter grade that describes the financial stability of the company. You can also read insurance company reviews to see how a company's customers rate the insurance company.