As you consider whether to buy renters insurance, here are four things you need to know:
1. Renters Insurance Provides Off-Premises Coverage 👉🏼Renters insurance does more than cover the cost of lost or damaged possessions in your home. There is coverage if your bicycle is stolen from a bike rack at the park, or if your laptop is taken from your car while you're at the supermarket
2. You Can Be Compensated if You're Forced to Relocate 👉🏼Most renters policies provide additional living expenses coverage if your home becomes uninhabitable due to an event such as vandalism, theft, fire or water damage from home utilities.1 This benefit usually includes the cost of living expenses, up to your policy limits
This coverage typically is limited to 30 to 50 percent of your insured personal property. For example, if your belongings were insured for $100,000, the limit on additional living expenses would be $30,000 to $50,000, as outlined in your policy
3. A Home Inventory Can Determine How Much Coverage You Need 👉🏼Before you decide how much coverage you need, it's important to know how much it would cost to replace your possessions. You can calculate replacement costs by conducting a home inventory and checking with your insurance representative to make certain you're fully covered
4. You Can Reduce Your Renters Insurance Costs 👉🏼There are a variety of ways to reduce the cost of renters insurance. An option is to select a higher policy deductible, the amount you must pay before your insurance coverage takes effect. Increasing a deductible from $250 to $500 could create an annual savings of up to 15%.
Here are 4 questions to ask a moving company before you hire them: .
➖Can you give me three references? Request quotes and references from at least three movers and ask them how long they have been in business. Check with the Better Business Bureau to see what complaints may have been filed against them, and be sure to ask the moving company if they are fully licensed, bonded and insured. Contact three references for each company you’re considering and ask about their experience.
➖Do you provide an in-home estimate? This is necessary for the movers to give you an accurate estimate, but also gives you a chance to continue to evaluate potential moving companies. ➖Get in-home estimates from at least three companies and compare the services each mover offers to give yourself an apples-to-apples view of their estimates. Ask about extra fees and get everything in writing, including your pickup and delivery dates.
➖Will you create an inventory of my items? Creating an inventory is a useful tool for you as you pare down and organize your items. Many professional movers also create an inventory to help keep track of your belongings. This will help confirm that they have safely moved everything and is especially important if you’re making a long-distance or multi-truck move.
➖What happens if something gets broken? Even professionals break things. Some movers offer optional full value protection to repair or replace items that are lost or damaged. Depending on a mover’s coverage, a more expensive quote may be the smarter option
After your move, carefully inspect your items to make sure they all arrived safely and were not damaged during the move. Walk through your new property to make sure that the movers did not damage doorways, walls and other areas. If you notice something amiss after the movers leave, report it to the moving company as soon as possible and be sure to save all pieces of any damaged items
Want to help others evaluate their moving company options? You can leave an online review about your experience of the moving company, including whether you would hire them again.
Maybe it is true, that people only care when it's too late.
It's no fun fact that #Health, #Life and #Travel insurance get more expensive as you age. The key is to lock in a price/plan now and adjust as your life does.
#Residential, #Commercial and #Auto insurance are as important as the building or vehicle itself. Unfortunately, #riots, #fires and #floods aren't as uncommon as we'd like them to be. And let's face it, the next major #earthquake may not be for another 100 years, but it could also be tomorrow.
Don't wait until you're sick or injured to wish you were covered. Don't wait until your merchandise has been stolen, or new equipment has been damaged to wish it was insured.
Whether you need coverage or need to make sure your current #insurance is meeting your expectations, we are here to help. You can find all your insurance needs at @Agence.Gaetjens, where we bring you peace of mind by getting you the best coverage at the best cost.
All images 📸: #Google
Winni is demonstrating the exact reaction I get from people when I start to talk about insurance 😂 (except from you guys, which is why I love you all sooo much). We are on the last leg of our drive cross country and will be arriving at our destination in about 5.5 hours. @insurancebff is about to take on San Francisco for a lil’ bit 🙌🏻🙌🏻
Company mentioned I'm gonna be here 5 years as of July. They felt it was time for new Agent photos. This time I'm not alone. It was a pleasure working with you @vlmfilms. Although you may not know it. This was a very special and important one for me. Milestone. I appreciate all your helpful tips when it comes to photography. You were willing to meet us halfway in every aspect. And we appreciate your services. Any other business's looking for a good photographer. Ask for Ryan @vlmfilms.
This isn't a competition. Just a journey I'm really looking forward to.
Also big thank you to our good friend Steph.