{"id":3674,"date":"2014-12-08T19:24:25","date_gmt":"2014-12-08T19:24:25","guid":{"rendered":"https:\/\/annarborapartments.net\/?p=3674"},"modified":"2023-10-16T00:38:43","modified_gmt":"2023-10-16T05:38:43","slug":"to-insure-or-not-to-insure","status":"publish","type":"post","link":"https:\/\/annarborapartments.net\/to-insure-or-not-to-insure\/","title":{"rendered":"To Insure or Not to Insure"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_single_image image=&#8221;3675&#8243; img_size=&#8221;full&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<p style=\"text-align: justify;\">\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 The question is valid- to insure or not to insure. There is a large difference in the insurance that owners have on a building that you rent and renters\u2019 insurance. The type of insurance that owners purchase protects their building and property in the event of a disaster. Renters\u2019 insurance protects the tenants\u2019 property. Many renters do not believe that they will need any type of insurance because they do not own that many belongings or that which they own is not extremely valuable. Renters\u2019 insurance protects which ever property the purchaser decides upon. Many policies of this type also protect that property regardless of its location. This means if an expensive piece of jewelry or laptop is stolen on vacation, it will be covered whether it was left at home or taken on vacation with the individual.<\/p>\n<p style=\"text-align: justify;\"><strong>Items Covered<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/strong>Insured items do not necessarily have to be extremely expensive to be covered. Every day living items are often covered in insurance policies as well. These are some examples of insurable possessions.<\/p>\n<ul style=\"text-align: justify;\">\n<li>Furniture<\/li>\n<li>Clothing<\/li>\n<li>Laptop, computer, and\/or reader<\/li>\n<li>Television<\/li>\n<li>Entertainment or sound system<\/li>\n<li>Musical instruments<\/li>\n<li>Sporting equipment<\/li>\n<li>Tools<\/li>\n<li>Jewelry<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">All of these items, as well as others, do have a certain amount of value and would have to be replaced, if stolen or destroyed. Most of the above listed items also serve important purposes. Emergency situations are extremely stressful and it may be easier to allow the insurance company to take care of these matters.<\/p>\n<p style=\"text-align: justify;\"><strong>Motels<\/strong><\/p>\n<p style=\"text-align: justify;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Another extremely important consideration is where renters will stay in the event of an emergency. In certain situations, it may be the responsibility of the owner of the building to provide a place for the tenant to stay. This is only if the emergency has been found to be the fault of the owner. Not all disasters are the fault of the owner. It could be the result of an accident such as a furnace explosion for which no known cause is found. It could also be the result of a natural disaster such as a tornado or earthquake.<\/p>\n<p style=\"text-align: justify;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Many insurance companies allows clients to customize insurance policies to a certain extent. This includes a chosen amount of money allotted for the cost of a motel room. It is difficult enough when a disaster strikes, but it is devastating, if the tenant has no safe place to go afterwards.<\/p>\n<p style=\"text-align: justify;\"><strong>Other Considerations<\/strong><\/p>\n<p style=\"text-align: justify;\">\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 You need to consider other things before making a decision- to insure or not to insure. Personal liability insurance is another expense for renters to consider. This covers property damage and personal injury to others, if the tenant is at fault in the situation. Some policies will also cover firearms or any accessories thereof. It is important to shop around and ask many question during the investigation. Determine exactly what is needed and what items should be covered. Consider some of the situations renters\u2019 insurance covers.<\/p>\n<ul style=\"text-align: justify;\">\n<li>Windstorms<\/li>\n<li>Fire and smoke damage<\/li>\n<li>Lightening<\/li>\n<li>Theft and vandalism<\/li>\n<li>Flood or accidental water damage<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Be sure to inquire exactly which situations are covered. Some policies do not cover certain types of natural disasters or those considered Acts of God. Generally the average cost of renters\u2019 insurance is only about $12 to $15 per month and can lend peace of mind. Many insurance companies offer a discounted rate to individuals who currently hold another policy with that company such as automobile insurance. We think we\u00a0 answer the question- to insure or not to insure.<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/maps.app.goo.gl\/KuspWj4ryXnzg2jr5\"><em><strong>Apartments downtown Ann Arbor<\/strong><\/em><\/a> is available for rent with affordable price.<\/p>\n<p><strong>Read More About:<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/annarborapartments.net\/4-funny-pros-and-cons-of-renting-an-apartment-as-a-student\/\">4 Funny Pros and Cons of Renting an Apartment as a Student<\/a><\/li>\n<li><a href=\"https:\/\/annarborapartments.net\/apartment-living-101-a-students-survival-guide\/\">Apartment Living 101: A Student&amp;#8217;s Survival Guide<\/a><\/li>\n<li><a href=\"https:\/\/annarborapartments.net\/tips-to-college-students-to-rent-successfully-first-apartment\/\">Tips to college students to rent successfully first apartment<\/a><\/li>\n<li><a href=\"https:\/\/annarborapartments.net\/finding-your-home-away-from-home-student-apartment-rentals\/\">Finding Your Home Away from Home: Student Apartment Rentals<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_single_image image=&#8221;3675&#8243; img_size=&#8221;full&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text] \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 The question is valid- to insure or not to insure. There is a large difference in the insurance that owners have on a building that you rent and renters\u2019 insurance. The type of insurance that owners purchase protects their building and property in the event of a disaster. Renters\u2019 insurance protects the tenants\u2019 property. Many<\/p>\n","protected":false},"author":3,"featured_media":3675,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[23],"tags":[],"class_list":["post-3674","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>To Insure or Not to Insure- Ann arbor apartments team solve this<\/title>\n<meta name=\"description\" content=\"There is a difference in the insurance that owners have a building that you rent and renters\u2019 insurance. 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