[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.

[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.

[Source:phoenixservicemaster.com]

Just because you don’t own the home you live in, doesn’t mean you don’t need insurance.Call Marks Insurance today!

Not all of us are lucky enough to own our own house, particularly in our early adult life, but as renters we still try to make a home out of wherever we might be. We decorate and dress up the dwelling place in which we live, place our personal possessions in it and make it feel as comfortable as we can. Sometimes it’s even comforting to know that the ultimate responsibility for the home is the landlord’s!

One thing renters sometimes don’t realise is that although the owner or landlord usually has insurance for the building itself, the renter’s contents are generally not covered by that policy. That means that in case of fire, damage or theft, your privately owned belongings will not be repaired or replaced.

Imagine trying to refurnish an entire apartment after a fire or a theft. The value of your household contents adds up very quickly and there are few people who can afford to simply replace everything straight away. Add to that the cost of your clothing, jewellery, your music collection and other valuables, and it’s easy to imagine what a huge financial setback you could face if the home was destroyed or valuable contents stolen. Taking out renters’ insurance to cover your contents will give you peace of mind whether you are out at work or away on a holiday.

When considering how much to insure your contents for, think about every possession in your home and what it would cost if you had to replace every item from your television to your clothing. No matter how much insurance coverage you require Marks Insurance has one that will suit your needs and you may find that discounts are available, depending on certain safety features in your residence.

Don’t delay protecting your assets. The unexpected has a habit of occurring…unexpectedly!

[Source: http://www.insideyork.co.uk]

Financially protect the items in your home with Renter’s Insurance, to cover theft, vandalism and fire. Here are a few tips that will help you to choose your insurance policy:

• Note that it will only cover certain personal effects in the home. Major items such as vehicles are excluded and will need a different policy.
• Make a record of your possessions and save receipts for large cost items. Take pictures and video; make the list as detailed as possible, and keep a copy in a safe place, outside the home. This will assist you in the event of a claim.
• Choose the type of policy that suits you best. Some insurers will offer “new for old” arrangements which see your insured goods replaced with new items. Other insurers with lower premiums often replace goods with others of a similar standard.
• Make sure that your policy gives you enough coverage to replace what is insured. A “Cash Value” policy will be cheaper but pays only what your property is worth at the time of loss – your cost minus depreciation for age and wear. You save money initially, but will you be able to replace your items?
• Check for any specialized coverage you might need. Items like computers, cameras, jewellery and antiques might require extra coverage, or you may need to have them listed in the policy when you purchase it.
• Shop around online for a policy that is both adequate and affordable.

 

It’s likely we’ll have a policy that suits your needs. Why not give the Kramer Insurance Center a call now (800.247.6394) for more information or obtain a free estimate online?

[Source: http://home.wangjianshuo.com/]

Summer is coming which means vacations, fun in the sun, and summer homes. If you plan to stay at a rented summer home for the season, you should look into which, if any, of your insurance policies will cover you during this stay. Although your homeowner’s insurance can cover some of the value of your personal belongings outside of your home, usual this coverage does not last beyond a two week period of being away from your home.

If you stay at a rented summer home for a period of over two weeks in the season, you may want to purchase a renter’s insurance policy. Renter’s insurance is a low cost policy that can cover your personal belongings should anything happen to the rental property in which you are staying. The following outlines typical coverage on a basic renter’s policy:

• Posessions are protected from theft and vandalism
• Posessions are protected from events of “peril” (Peril is defined differently by each company, typically this includes fire by lightening, hailstorms, explosion, etc.)
• Temporary living expenses should a rental property be unlivable
• Posessions are protected outside of the rental property (To a certain extent, just like homeowner’s policies)

Those in New York, who rent summers homes, like those renting vacation homes in popular spots like the Hamptons, should contact Avalon Agency Insurance for more information and a free quote on renter’s insurance. Visit our virtual insurance office at www.avalonagency.com!