source: www.redbookmag.com

Are you renting in St. Louis and looking for renters insurance at an affordable price?

US Insurance Company can help. Did you know that the cost of insurance premiums often varies quite a bit between insurance companies? Doing a bit of homework for price comparisons can save you good money.

That’s where we come in. As a licensed agency specializing in the St. Louis, we’re familiar with insurance carriers who service the area, and we know where to find good deals for our clients. If you’re struggling to pay bills and looking to save money on your premiums, here are a few things that can help:

• Do you have an auto policy too? If you do, it’s possible an insurer will give you a discount for letting them write both policies. Sometimes, the discount is quite substantial.
• Consider increasing the deductible amount. That’s the amount you’ll need to pay before the insurer pays any claim.
• If there’s no alarm on the property, ask if the landlord will have one installed. Asking does no harm at all, and if they agree, you might reduce the cost of your insurance.
• You may be able to pay in monthly or quarterly installments.

Don’t put off investing into renters insurance. You’re protecting everything inside your rented walls. For more information, contact US Insurance Company at any time, with any questions. We’re happy to help. You can also fill out our free renters quote form!

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

Are you looking for affordable renters’ insurance in PA? Let us help you find it.

In the event of a burglary, would you be able to afford to replace your furniture, clothing, books, DVDS, sporting equipment and other personal possessions from your savings? No? Most people can’t and that’s why some level of insurance is usually necessary.

Rented homes are just as vulnerable to theft as owner occupied ones and just because you’re renting doesn’t mean you don’t have valuable possessions! So how do you determine how much coverage you need? Simple – add up how much it would cost you to replace everything in the event of a fire that destroyed it all.

While you’re doing that, make up a list of all the property you own. Against major items – particularly appliances – make a note of when you purchased it, and the cost. It’s a good idea to keep receipts for appliances. In the event of a claim you may be asked by the insurance company to show proof of purchase. If you don’t have the receipt, the packaging or box that the item came in, or a credit card statement verifying its purchase is usually sufficient. Having that proof will help speed up the claims process.

Don’t delay in covering your possessions against theft and destruction. Get an online quote now from the Kramer Insurance Center or call us for assistance.

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

Are you about to take out Oxford, Massachusetts renters insurance to cover the content of your home or apartment? If you have jewelry or other items with a high value you should speak to us about the best way to insure those items.

Insurance policies generally have a limit on how much is payable for a loss and renters’ insurance policies are no different. There is usually a limit on how much will be paid out for jewelry in the event of a claim.

Standard policies may have a limit of around $1500 so if you have more valuable items you’ll need to speak to us about raising the limit or “scheduling” particular items on the policy. Having additional coverage will increase your premium slightly but it will save you the disappointment of not being able to recover the cost of your jewelry if you’re burgled.

If you wish to raise the liability limit for your jewelry or schedule particular items on your policy, you’ll need to have the items appraised professionally to confirm their value. It’s also a good idea is to take photos of your items and store them with your insurance papers. Police frequently recover stolen items so the photographs may later assist police to identify your items.

Visit our Virtual Insurance Office now to learn more about Oxford, Massachusetts renters insurance.

[Source:stuytownluxliving.com]

College students are back in class and getting back to the routine of university living. Their minds are occupied with the thought of studying, care packages from mom, and partying on the weekends. One important aspect of college that the majority of college students (and parents) do not think about is renters insurance.

Statistics show that renters are far more likely to be robbed than homeowners and this is especially true in a college town. With college students bringing valuable possessions to school with them, a renters insurance policy is essential. What would you do if your laptop was lifted from your dorm room? What if you have a party and you wake up to find your blue ray dvd missing?

Don’t make the same mistake many students do and assume that you don’t need an insurance policy while you’re away at college. Your school and your landlord will not cover your valuable stuff.

Contact Texas Direct Insurance today.

[Source:blackberry-pearl.net]

It’s that time of year again. With summer drawing to an end, college students are packing the car in preparation for the upcoming school year. Mini-fridges, laptops, Ipods, and stereos – college kids have a lot of valuable stuff. Don’t make the same mistake most parents do and assume that these possessions are covered under the insurance policy of the school or the landlord – they’re not.

A student studying at the coffee shop on campus gets up to use the restroom. When he returns, his laptop is gone.

A student throws a big party for friends in her new apartment. It turns out not everyone at the party was her friend. When she woke up the next day, she realized her Ipod had been stolen.

These situations happen all the time. No college campus is 100% safe. Get a quote on your next insurance policy and protect your assets while you are at college. Contact Palmetto Insurance today.