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Further
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Colic Baby Bootcamp - Parent Survival Tips
Colic Baby Bootcamp - Parent Survival Tips Surviving a baby with colic truly deserves an award of some sort. The relentless screaming can really drive you to the edge. Unfortunately for the parents of a colic baby, most of the focus of surviving...
Stop Telemarketers, Do Not Call List or Not
American consumers have spoken and have done so loudly registering 50 million telephone numbers with the FTC’s National Do-Not-Call list since the registry debuted in July. This new telemarketing sales rule, which was scheduled to take effect...
Thanksgiving Memories
Turkey ... Stuffing ... Cranberry Sauce ... Pumpkin Pie This is usually what comes to mind when we think of Thanksgiving. Granted the food is yummy and worth waiting for however, let’s not forget another import aspect of this holiday “Being...
Is Your Bathroom Going Down the Drain?
Is Your Bathroom Going Down the Drain? By: Janet L. Hall As you and I know, most bathrooms have limited space and storage. Many of them are crammed with too much stuff: a lotion or potion you used once, the shampoo and conditioner samples...
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Is Renters' Insurance Really Necessary?
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Written By:
dan the roommate man
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You and your landlord share a common goal: You both want to ensure the protection of your interests. Obtaining a security deposit from you -- usually ranging from $100 to a full month's rent, and averaging $250 -- is how your landlord obtains a degree of insurance from you. The deposit covers your landlord should you cause any damage to your apartment while you are a tenant. Your landlord, in turn, may keep the deposit if you fail to pay your rent or you leave before the end of your lease. However, if, as a tenant, you keep your end of the bargain -- following the terms of your lease and leaving your apartment in good condition when you leave -- the deposit is refundable.
So how do you protect your own interests as a tenant? Renters' insurance. If you're an apartment-dweller, you're probably accustomed to brochures dangling from your door that advertise various renters' insurance policies. And if you're like many renters, you probably disregard them. But you may want to consider taking out insurance. Before you say, "But I'm not going to cause any damage to my apartment," remember that renters don't always cause damage themselves. Mother nature, or other tenants with little regard for your property, could prove to be the source of your problems later.
According to Metropolitan Life Insurance Company, policies typically provide coverage for the following renters' pitfalls:
* Damage to personal property from fire or wind
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Theft
* Personal liability in the event you are sued over accidental injury to others who are in your apartment
* Accidental damage to property of others in your care
* Living expenses if you are forced to live elsewhere while your apartment is being repaired
This list doesn't begin to elaborate on the multitude of other possibilities for disaster: An electrical surge fries your computer, television, and/or stereo; while visiting your neighbor, you tip over his barbecue and start a fire; or you accidentally cause injury to someone away from your apartment; and the list goes on and on. And of course, as we've all discovered, we can never discount such crazy-sounding possibilities -- because they can and do happen if and only if we're not prepared (or covered) for them.
Note that renters' insurance policies may differ according to the insurance company in question, as well as the laws in your state. An insurance representative will be able to determine what type of policy best meets your needs. If you've thrown away all of those brochures dangling from your door handle, the Internet is a good place to do your homework -- specifically apartment-search sites. Links to renters' insurance information will fill you in on the details, and you may apply online.
About the Author
Since 1989 dan the roommate man has helped 1000's of people find roommates. Need help? Contact him at 800-487-8050 or www.roommateexpress.com
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| _Additional Resources ... |
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Many people still have a negative connotation about how electric music sounds....
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