Apartment Living: The Need for Fire Insurance
by: Dan The Roommate Man
If your apartment catches on fire due to the negligence of a neighbor, it could cost you thousands of dollars. It doesn?t seem fair that someone else?s carelessness could cost you your prized possessions - but without fire insurance, it can.
Late for an appointment, Suzan squished her cigarette into a bottle and tossed it under the sink. A few hours later she returned to see the charred remains of what used to be building C in her apartment complex. Apparently, the cigarette wasn?t completely out, and her negligence led to a roaring fire.
Luckily, Suzan had fire insurance. This insurance provides coverage for losses from a fire and the resultant damage caused by smoke. Not only does this insurance take care of Suzan, but it also helps her neighbors. The insurance will pay for most, if not all, of the damages caused to the surrounding properties.
Fire insurance--also called renter?s insurance is incredibly inexpensive when you consider all that it takes care of. Some policies are under $300.00 annually. You won?t feel like it?s worth it until you finally need it... and then the annual fee will seem nominal.
Some tenants feel that they don?t need insurance--believing that the landlord is responsible for damages to their personal possessions. This is NOT TRUE. Most leases specify that you?re on your own when it comes to damages to personal possessions from fires and other natural disasters. The only time a landlord can be held responsible for your things is when the damage was caused due to his negligence. i.e. If the fire was caused by an electrical problem, etc.
If you don?t have fire insurance and you can prove that the fire was caused by your landlord or another tenant?s negligence, you may be able to recover some of your losses in small claims court. If the tenant/landlord is found guilty, he or she will be held legally responsible to repair the building, and replace or reimburse for the damaged possessions within. However, if you already have fire insurance before your property is damaged, they'll go through the court hassles for you.
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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The Five Things You Must Know Before Buying Boat Insurance
The Five Things You Must Know Before Buying Boat Insurance
by: Ian Major
If you own a boat, you definitely need watercraft coverage.
Too often, people don't realize that they need coverage for their boats. Some don't even realize that boat coverage is available. Many know it is available, and they think about it ? they just decide that this type of coverage isn't something that they need. In most cases, they are wrong! You do need boat insurance, and you need to know what you are looking for when you start shopping for the coverage.
Here are five things you must know before buying boat insurance.
1. Many states now require you to carry watercraft liability coverage.
This coverage will should protect you against any damage that you do to other people or other people's property with your boat. The insurance should also cover you for losses due to theft, vandalism, storms, fire, capsizing, stranding, sinking, explosion, and...
The Five Things You Must Know Before Buying Boat Insurance
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Business Insurance
Business Insurance
by: Joseph Kenny
There is no denying the fact that success of a business depends on the hard work of the team but one disaster can wipe out your efforts and bring down the profits to dust. So, to avoid such an instance, you need to insure your business, whether it is a small enterprise or a large corporation.
There are insurance companies, which have policies that combine protection for all major property and liability risks in one package. You can also opt for separate coverage. Such a policy is called a business owners? policy (BOP). Larger companies may purchase a commercial package policy.
BOPs include property insurance for buildings and equipments owned by the company. If there is any loss of income due to disruption of operation and business because of accidents like fire, it can be covered under the Business Interruption Insurance.
There are liabilities, which cover the company's legal responsibility...
Business Insurance
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High Quality Auto Parts for Chevy, Toyota, Nissan, Honda and Jeep Now On Sale at Auto Parts Train
High Quality Auto Parts for Chevy, Toyota, Nissan, Honda and Jeep Now On Sale at Auto Parts Train
by: Jenny McLane
Good new for Chevy parts, Toyota parts, Nissan parts, Honda parts and Jeep parts users! Auto Parts Train, the country's leading auto parts dealer is now selling these top quality auto parts at the lowest prices. While you get satisfied from the auto parts' superior quality and performance, you can also save from Auto Parts Train's hottest deals on these products. Up to 50% discounts are offered plus you get more choices as Auto Parts Train includes auto parts for older and the latest models.
Just click through the link and see for yourself the best deals on high quality Toyota parts, Chevy parts, Nissan parts, Honda parts and Jeep parts offered by Auto Parts Train. Meanwhile let's take a look at the store's featured auto parts: the exhaust system parts.
Recognizing that automobiles are major causes of air pollution, Auto...
High Quality Auto Parts for Chevy, Toyota, Nissan, Honda and Jeep Now On Sale at Auto Parts Train
Auto insurance > High Quality Auto Parts for Chevy, Toyota, Nissan, Honda and Jeep Now On Sale at Auto Parts Train
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With all of the focus today on credit and credit scores, you might find yourself wondering exactly how it is that your credit score is compiled and who it is that does the compiling.
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How Credit Reporting Agencies Work Auto insurance home loans
Auto insurance > How Credit Reporting Agencies Work
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