We typically hear a lot about home insurance and how important it is to reduce costs in case of major problems and issues. Even homeowners that don't occupy their homes and rent them out instead, know the value and importance of this kind of insurance policy. Typically your landlord will collect a deposit from you as well, which will help ensure that you will take care of their home because you will want your deposit back. They will usually require a decent sum in order to protect themselves a little in case you damage things like carpet, paint, etc. But what about you? You don't own the home so you wouldn't take out a home insurance policy, but you need to think about protecting your possessions. This is where renters insurance comes in, if disaster hits and you don't have renters insurance, your possessions will not be covered under the landlord's policy. Here are some reasons why you should consider taking out a renters insurance policy.
New Laws First, it is important to understand how dental coverage fits into the new Affordable Care Act that has gone into effect with the New Year. Adults are not required to carry dental coverage for themselves, but by law it is required for children to have coverage through the age of 19. The specific details of these laws and how they are implemented will differ from state to state and you can find more information through your state's insurance resource websites. Dental coverage for adults is something you have to opt into as it will not be automatically provided under the basic ACA health plans.
Temporary Housing If there is an accident that causes damage to the home or apartment you are renting, renters insurance can come in handy. It can provide the money you need to cover expenses related to necessary temporary housing.
Coverage Most states require that you carry at least basic liability insurance on all of your off-road vehicles especially if you intend to operate them on public land. If you are using them for recreational use, you can be pretty sure that you'll be on public land at some point. Carefully go over your options before purchasing your policy so that you know exactly what will be covered. If the vehicle is totaled or if you injure another person while driving the vehicle, you want to make sure that your insurance can cover the cost of replacement and any medical care that any involved party may need. You also want to make sure that you are covered if another person is uninsured and injures your or damages your vehicle in an accident.
Conversely, those who don't have insurance may not visit and could experience health complications as a result of poor oral hygiene. Recent studies have begun to discover significant links between oral hygiene and things like headaches, stomach cramps, fatigue, and more. Ultimately, the choice is yours, but before you decide to not pay for dental insurance, you should research your options and speak to an insurance agent to see how much you would actually pay for the policy.
Protecting Your Financial Future It is probably more accurate to say that you can't afford to not have renters insurance than to say you can't afford having it. It really is not very expensive, averaging between $15 and $30 per month. Consider your situation and decide whether or not renters insurance is right for you. Insurance Center Associates provides home insurance in Torrance. Give us a call today and let us help you find a solution that works for your situation.
New Laws First, it is important to understand how dental coverage fits into the new Affordable Care Act that has gone into effect with the New Year. Adults are not required to carry dental coverage for themselves, but by law it is required for children to have coverage through the age of 19. The specific details of these laws and how they are implemented will differ from state to state and you can find more information through your state's insurance resource websites. Dental coverage for adults is something you have to opt into as it will not be automatically provided under the basic ACA health plans.
Temporary Housing If there is an accident that causes damage to the home or apartment you are renting, renters insurance can come in handy. It can provide the money you need to cover expenses related to necessary temporary housing.
Coverage Most states require that you carry at least basic liability insurance on all of your off-road vehicles especially if you intend to operate them on public land. If you are using them for recreational use, you can be pretty sure that you'll be on public land at some point. Carefully go over your options before purchasing your policy so that you know exactly what will be covered. If the vehicle is totaled or if you injure another person while driving the vehicle, you want to make sure that your insurance can cover the cost of replacement and any medical care that any involved party may need. You also want to make sure that you are covered if another person is uninsured and injures your or damages your vehicle in an accident.
Conversely, those who don't have insurance may not visit and could experience health complications as a result of poor oral hygiene. Recent studies have begun to discover significant links between oral hygiene and things like headaches, stomach cramps, fatigue, and more. Ultimately, the choice is yours, but before you decide to not pay for dental insurance, you should research your options and speak to an insurance agent to see how much you would actually pay for the policy.
Protecting Your Financial Future It is probably more accurate to say that you can't afford to not have renters insurance than to say you can't afford having it. It really is not very expensive, averaging between $15 and $30 per month. Consider your situation and decide whether or not renters insurance is right for you. Insurance Center Associates provides home insurance in Torrance. Give us a call today and let us help you find a solution that works for your situation.
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