[Source:sageinsurance.com]

The key to getting reimbursed quickly on renters insurance claims is documenting your possessions. Documenting the items you own will assist an insurer to reimburse you quickly and you’ll ensure that you don’t forget items on your claim.

Although it may be time-consuming, you’ll need to make a list of everything you own. You might want to break this down by room, with a page (or pages) dedicated to each particular room in your home. If you know how much you paid for each item, include that information on your list – even attach receipts if you can. Once you’ve put it in writing back it up by making a visual record using your video camera or digital camera.

Once you’re all finished store a copy of the records with your insurance papers and make a second copy to keep at another location – perhaps your parents home or at your office.

Be sure to update your lists as necessary. When you purchase a new asset, photograph the item and file the receipt. If you buy or receive an expensive item of jewelry, have it appraised and ask your insurer to schedule it on your policy.

Need more answers on renters’ insurance? Call John B Wright for further information.

[Source: http://www.architecturaldigest.com]

Every little bit counts. Think back to childhood days when you had a piggy bank. One or two pennies in that cute little thing hardly made a sound, but after a while, you could shake that money-saver and wake the neighbors. The same can be said of renters insurance, where each small savings idea adds up to a lower insurance bill. Here are several things that, depending on your insurer, can save you money:

• Some insurance carriers offer discounts to members of particular groups or organizations, for example, credit unions, college fraternities or holders of particular credit cards.
• Having your premium payments automatically deducted from your account can save you money. Some companies now charge around $5.00 for mailed payments. An automatic deduction will save you time too.
• Increasing the security of your belongings will make is less likely they’ll be stolen and will usually result in a lower insurance premium. Perhaps you can convince your landlord to install an alarm at the premises.
• Do you have any other insurance policies?  Insurance carriers generally reward customers for having more than one policy with them. Having your auto insurance and renters insurance with the same company can result in a discount on both policies.

If you’d like to save on renters insurance in Ohio, call the Reichley Insurance Agency now and speak to a friendly agent about our competitive rates.

[Source: http://joyestesstatefarm.files.wordpress.com/]

Finding an affordable, decent place to rent can be difficult in small towns that don’t have a large rental market. Although finding your perfect rental may seem like a daunting task, putting a little extra time and effort could help you land the home of your dreams.

Before setting out to search, set a budget and be realistic. You are not going to get a nice place for less than market value – the property owner has costs- such as a mortgage and taxes to cover, too. Factor in the cost of renter’s insurance for your possessions. Insurance is particularly important for you as a renter because you don’t have complete control over the security and maintenance of the home.

Select the area in which you want to live and start asking around. Ask everyone you know, send out emails, and give out your phone number. Emphasize that you want a nice place because you will treat it like a home, not just a rental.

Put up signs in bookstores, library community boards and in health food shops. Make your sign distinctive so it stands out. Hand-write your sign neatly for that personal touch- and if you feel comfortable enough, add a photo of yourself. The idea is to reach people who already know you.

Finally, call rental companies. If you choose to go with a rental company, be aware that your rent may be more expensive- a rental company usually charges the owner a percentage of rental fees.

When you find your ideal residence, don’t forget the renter’s insurance! To learn more about your Oxford, Massachusetts renters insurance options, visit www.oxfordinsurance.com.