10 Reasons To Get Renters Insurance
I HAD to get Renter’s Insurance because they make me as part of my lease agreement where I live – but, I’m glad they made me get it. You never know what will happen. It doesn’t cost very much. Really, it only costs about $120 a year!
By: thewamphyri. They do not endorse this insurance policy.
This is a re-post from a ‘partner-in-crime’ of mine (Sheryl Owen) at: http://www.changeofaddress.org. They have lots of other useful information on their website. Like - ”How to save money on Postage Stamps”, “10 items you didn’t know were illegal to mail through the postal service”, “10 reasons the USPS has closed some post offices” and lots more. Check out this story and more at:
Many renters live in apartments, townhomes and condominiums and don’t carry renters insurance. For some, they feel the risk is small enough that they are willing to take it rather than to pay the premium for renters insurance. Others are under the mistaken belief that the building insurance will cover their losses in the event of a fire or theft. This is never true.
But how small is the risk? If you had to replace all the contents of your apartment, how much would it cost you; your entire wardrobe, all your furniture, your music collection, everything in your kitchen, your computer, camera and other electronic items? $7,000.00? $15,000.00? Probably much more than you think.
What could a renters insurance policy provide for you?
- Content Replacement. If every single item in your apartment was destroyed by fire, it is unlikely that you would have enough money in your savings to replace it all. With renters insurance you have both of the same options that homeowner’s do. You can insure for current value or replacement value. The first one will pay you the current value of your 5 year old television, in other words, what you could sell it for. The replacement value policy would pay for a brand new television of similar quality. Make sure you know which type of renters policy you have.
- Liabilities. If one of your visitors slips and gets hurt in the lobby of your apartment building, they can sue the owner for damages, but you have no liability for their damages. If they slip and get hurt in the bathroom of your apartment, then, you are the person liable, and you are the one they could sue for damages. If you have renters insurance, you’ll have protection against these types of suits.
- Living expenses. If your apartment is damaged by water, smoke or fire, you will likely need to find another place to live, at least temporarily. Do you have money to setup house in another location, or to stay in a motel? This is another instance where you would be very thankful to have an insurance policy in place that would cover these expenses for you.
- Medical expenses. This item fits in with the liability section. If a person does get injured in your rental space, even in a small way, you may be liable for their medical bills. Rental insurance would pay for the stitches in his head when he tripped and cut in open on your coffee table.
- Fire and smoke. If there is a fire in the building, the damage to your personal property can be immense, even if it is quickly extinguished. Smoke and water damage can expand far beyond the area of the fire itself. The building insurance will replace or clean your ruined carpet but everything else will be your responsibility.
- Theft. Rental units are becoming targets for theft, much more often than they used to be. Even in a ‘secure’ building, this type of loss remains a possibility.
- Water damage. If there is a water issue in the apartment above you and it comes through your ceiling and ruins your computer, the landlord has to pay for it right? Wrong! Even it was due to his negligence, the only way you might get him to pay for it would be to take him to court. Court takes time and has no guarantees of a decision in your favor.
- Vandalism. Renters insurance won’t alleviate your anger at having your possessions destroyed for no good reason, but at least it would help you with replacement costs and cleanup of the mess.
- Flood. If you live in an area where flood water damage is a possibility, you’ll want to have renter’s insurance that specifically covers that type of damage. Water can destroy just as totally as fire.
- Joint tenants. If you’re sharing your apartment with another tenant, you might want to get joint tenant coverage with your rental insurance. You may be buddies to start with, but sharing close quarters for a length of time, sometimes turns friends into enemies. A little preventative protection, can’t hurt.
To live without renters insurance is a big gamble. If you lose the gamble, the costs could put you in the poor house; either that or your mother’s house. Avoid both by contacting your insurance agent and getting the coverage you need.
Another Earthquake for Tokyo?
Last night another massive earthquake hit Tokyo, Japan. They haven’t recovered from the last one. Maybe we should store up a supply of potassium iodide pills. Here’s the story from the Associated Press Hiro/Komae:
By CARA RUBINSKY, Associated Press – 1 hr 20 mins ago
TOKYO – A magnitude-7.4 aftershock rattled Japan on Thursday night, knocking out power across a large swath of the northern part of the country nearly a month after the devastating earthquake and tsunami that flattened the northeastern coast.
Japan’s meteorological agency issued a tsunami warning but canceled it about 90 minutes later. Officials said power was out in all of three northern prefectures (states) and in parts of two others
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There were no immediate reports of serious injuries or damage. The aftershock was the strongest since the March 11 megaquake and tsunami that killed some 25,000 people, tore apart hundreds of thousands of homes and caused an ongoing crisis at a nuclear power plant.
The operator of the tsunami-ravaged Fukushima Dai-ichi nuclear plant said there was no immediate sign of new problems caused by the aftershock, and Japan’s nuclear safety agency says workers there retreated to a quake-resistant shelter in the complex. None were injured. The crisis there started when the tsunami knocked out cooling systems. Workers have not been able to restore them.
Thursday’s quake knocked out several power lines at the Onagawa nuclear power plant north of Sendai, which has been shut down since the tsunami. One remaining line was supplying power to the plant and radiation monitoring devices detected no abnormalities. The plant’s spent fuel pools briefly lost cooling capacity but an emergency diesel generator quickly kicked in.
Officials said the aftershock hit 30 miles (50 kilometers) under the water and off the coast of Miyagi prefecture. The U.S. Geological Survey in Golden, Colo., later downgraded it to 7.1.
Buildings as far away as Tokyo shook for about a minute.
The quake struck at 11:32 p.m. local time. Moments beforehand, residents in the western Tokyo suburb of Fuchu were warned on a neighborhood public address system of an imminent quake.
In Ichinoseki, inland from Japan’s eastern coast, buildings shook violently, knocking items from shelves and toppling furniture, but there was no heavy damage to the buildings themselves. Immediately after the quake, all power was cut. The city went dark, but cars drove around normally and people assembled in the streets despite the late hour.
Prime Minister Naoto Kan huddled with staff members in his office shortly afterward, according to deputy Cabinet spokesman Noriyuki Shikata.
A separate government emergency response team met shortly after midnight to monitor any reports of damage and urged firefighters, police and other emergency personnel to aid those in need.
Paul Caruso, a geophysicist at USGS, said the quake struck at about the same location and depth as last month’s huge one.
Another USGS geophysicist, Don Blakeman, said it was the strongest aftershock since March 11, although several aftershocks on that day were bigger.
The USGS said the aftershock struck off the eastern coast 40 miles (65 kilometers) from Sendai and 70 miles (115 kilometers) from Fukushima. It was about 205 miles (330 kilometers) from Tokyo.
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Associated Press writers Jay Alabaster in Ichinoseki, Japan; Malcolm Foster, Ryan Nakashima and Mari Yamaguchi in Tokyo and Colleen Slevin in Denver, Colorado, contributed to this report. Click Here:
Potassium Iodide Pills
I missed this recommendation from the surgeon general to buy Potasium Iodide pills because we might have nuclear radiation here in the United States. If that nuclear radiation from the fallout of the nuclear power plant in Japan does come over here, I doubt that it would help much. It’s gonna be in our food and our water. Most of us don’t have underground dwellings and plenty of food and water stored to protect us. I think it might be foolish to worry about “what-ifs”.
John Tesh (from his radio show) stated that we shouldn’t be buying potassium iodide tablets. He says to beware of fake potassium iodide pills. Here’s an except from him: “Because of the recent nuclear crisis in Japan, some North Americans have been stocking up on potassium iodidde pills to protect themselves from possible radiation, but experts say this isn’t a good idea. For one, North America is far enough away from Japan that the ‘radiation levels won’t be high enough to cause any damage, and the pill could possibly do more harm than good.”
And, here’s the rest of the article:
Twins Talking in Baby Talk
What could be cuter than these two little ones ‘talking’ to each other in baby talk? This is a set of twins that speak in emphatic tones with one another – they surely know what they’re talking about. What do you think? They’re near the refrigerator. Are they saying, how can we get Mom to give us some milk or cookies or even ice cream? They gestured with their feet. What does that signify?
“Twin Mama Rama” posted this on her www.twinmamarama.com blog. The twins seem to arguing a bit and one of them is laughing at the other. I wonder how just long this went on.
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How To Keep Your Dog From Digging Under The Fence
A friend of mine has had lots of problems with her dogs digging under the fence and escaping out into the free world. The city even slapped her with a hefty fine because the dogs were loose. It’s not enough to worry about what your kids are doing – she also has to constantly be on guard with what those animals are up to. I feel for her. The dog could be leaving because either because he wants to escape or needs some comfort or attention. Here’s a video with tips on what to do if your dog is digging up under the fence and annoying the neighbors.
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