Homeowners/Renters Insurance

[Wasch_24]

With what just happened to Dustin and his wife on all of our minds now would be a great time for everyone here to get out their policy and read it just to make sure you are covered exactly how you think or were told you are.

If you are a renter and you don't have renters insurance...get it...it is very inexpensive considering the potential risk.

 

[derek]

I used to rent and the landlord said I was covered. Guess what, I wasn't. It cost me 200 a year for renters insurance. Thankfully I never had to use it. It was a great piece of mind to have tho

 

[Wasch_24]

That's $16.67 per month. :thumbsup:

 

[joshua]

I was forced to get renters insurance in california. Annoying thing was when I moved out they kept auto-billing me like a year later without telling me on my bank account that I stopped using.

 

[rpb67]

I am an Insurance Agent.

My advice is to get insurance. Be sure to get enough plus a little extra. It will be worth it in case of a claim.

Also be sure to review this yearly. This is very important. Everybodys situation changes from year to year.

Get insurance. Get insurance. Get insurance.

If its tenants insurance, make sure that you have enough personal property coverage to totally cover you.

If you own the home, do the same and be sure the house is covered with replacement cost as well as all your personal belongings with replacement cost.

Get insurance !

 

[cvm4]

Good advice guys :thumbsup:

 

[Black Dog]

I'm having a hard time getting health insurance.

 

[Poni]

In the complex I live in, one of the first Condos built recently burned down.

The tenants later found out after it burned, that since 9-11 their insurance policy got dropped because of the age of the building. Now they owe part or reconstruction and their hotel fees.

So its not only renters, make sure your home is update to date also.

 

[Wasch_24]

Hence the title Larry. :thumbsup: :grinFU:

 

[Poni]

:sadpace: oops. :wink:

 

[smokinafuente]

Anyone getting good rates on line?

 

[TBaGZ]

Ok... I am moving to Florida next week and have never had renters insurance before. I am going to be putting a lot of my stuff in a slef storage unit for a while. Is it possible to get renters insurance on that?

 

[tripp]

The guy I work for lost his house to a fire several years ago. 12 months before that we has 3 vehicles stolen off our lot in a 10 day period.

After the house burt it was next to impossible for him to find a company to write a policy. A couple of companies no longer write insurance here in Kentucky. One company would write a policy but he had to agree not to make a claim on it for 24 months. ??????????

 

[tobby4]

Ok... I am moving to Florida next week and have never had renters insurance before. I am going to be putting a lot of my stuff in a slef storage unit for a while. Is it possible to get renters insurance on that?

Alright A topic i know about......

first the ? above.. as far as i know you can purchase an optional policy through the storage unit place itself... kinda like U-Haul covering you if you pay the premium....

Also yes, please review your policies and make sure that you are adequately insured, to REPLACEMENT value.. that is huge. What happened to DUstin sucks, and happens all to much., it is not his fault nor his agents fault, they should have reviewed this together to make sure that he was adequately insured and that his needs were covered.

Insurance gets a bad name and part of this lies within the industry yes, but there is a bunch that the consumer does not know, and that is huge in the insurance market.... Uneducated consumers by no fault of their own do not know what they need or how much they need and problems and issues like this arise and it is hard to point the figure when nobody deserves it....

 

[PetersCreek]

Yep...the obligatory homeowner's insurance here....plus NRA-sponsored firearms insurance.

 

[caudio51]

Definitely good advice!

It's also important for college kids that live off campus. I had a buddy's apartment burn down. Luckily, the homeowners insuracne of their parent's helped cover it.

 

[Jwrussell]

Good Topic Todd! :thumbsup:

 

[Moglman]

Good post Todd. This is something that's easy to overlook if you are in a mobile part of your life. The peace of mind is a very welcome side-benefit.

 

[IHT]

I used to rent and the landlord said I was covered. Guess what, I wasn't. It cost me 200 a year for renters insurance. Thankfully I never had to use it. It was a great piece of mind to have tho

and that's exactly what happened to Dustin.
his landlord told him he was covered... well, the landlord was, but Dustin wasn't.

on clubstogie, we have an insurance guy who posted a thread about home owners/renters insurance stuff. i'll dig up the link.

http://www.clubstogie.com/vb/showthread.php?t=22576

 

[CWS]

Yep...the obligatory homeowner's insurance here....plus NRA-sponsored firearms insurance.

For those of you that don't have it the NRA package is really very good and you can be comfortable that that your information is not being shared with others (and we know who) :tongueout