الجمعة، 6 ديسمبر 2013

Why You Need Renter's Insurance

مرسلة بواسطة Unknown في 5:10 ص
By Maryl Joop


While not always the most interesting subject, insurance is a topic that does require a fair amount of attention. Although we may think we understand what types of insurance are available to us, how much they generally cost, and what they provide us with, the fact of the matter is that insurance is changing and evolving all the time.

You may think you are not susceptible to these things, and that you do not plan on causing any damage to your apartment - but the actions of guests in your home or natural disasters may put you in a tight spot if you do not have renters insurance.

There were two roommates living in Boston together - Casey had renters insurance and Jessica did not. When their apartment was broken into and their electronics stolen, Casey was able to get her money back while Jessica was left without it. When she had gotten her renters insurance, Casey recorded a video of her entire apartment, including the serial numbers on each of her electronics, which ensured her money back. Jessica now has renters insurance and encourages all of her friends to do likewise.

If you have difficulty with the first suggestion, here is another. Strange as it may sound, treating your car like a real person can help a lot. If you've already named your car, so it should be a simple bridge to cross. By thinking of your car as a friend with a personality rather than a cold, mindless machine, you might find a little extra motivation to take better care of him or her. Tap into your human nature and let your compassion benefit your car.

Liability insurance is a bit different from hazard insurance in that fact that it protects you from legal repercussions. For instance, if someone were injured on your property, your liability insurance would cover their medical bills and the legal fees if they decided to sue you.

Surprisingly, renters insurance can also protect you when it comes to liability lawsuits. If a guest in your home is injured there or bitten by your dog, you could potentially be held responsible in court. However, you will have no financial obligations as your renters insurance will cover the cost for you.

Life insurance protects your family members and dependants in the event that you should pass away. While life insurance may seem simple, there are actually some details that you need to make sure you know. The important thing to remember about life insurance is that some policies only last a certain amount of time before expiring, meaning that if you die after they expire, your family does not receive anything.

Colonial Insurance in Conway, South Carolina wants you to know that it is not your job to worry about renters insurance - it is theirs. Once you have it, you should not have any worries or second guesses because the guarantee of protection is worth every cent.

Living in an apartment can sometimes feel transient. You are not living at home anymore and you are not yet living in a home with a family of your own. But you need every little bit of protection you can possibly get. With renters insurance, you do not have to fear a fire, burglary, wind-related natural disaster, or having guests over or stay in your home. You can come and go as you please with the knowledge that Colonial Insurance is taking care of you and your apartment and take comfort in the fact that they really care about you.




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