The Basics Of Renters Insurance

Many people do not think having renter’s insurance is necessary. Amica’s Renters Essentials® is an affordable option, and you can save up to 15% when you combine your auto and renters insurance with Amica.3 With Renters Essentials®, you can earn credits – up to $100 per year, for each year the policy is active, up to $5004 – to apply toward a future homeowners or condo insurance policy with Amica.

A deductible is the amount of money you’ll be required to pay out-of-pocket until your insurance coverage kicks in. Regardless of the coverage you choose, you will not receive any insurance money until costs related to the claim have surpassed the amount of the deductible.

Although not directly related to content coverage, forward-thinking business leaders are adding other coverage options via customized bundles that include identity theft protection specifically designed for renters and insurance that lowers the cost of traditional security deposits.

Top-Tier Policies With a low deductible (between $0 and $300) and high coverage limits (more than $50,000 in content coverage), these policies are designed to minimize your financial exposure to a total loss, as well as itemized losses on high-value items.

Learn more about AppFolio’s all-in-one property management solution that includes the capability for tenants to purchase renters insurance directly from their online AppFolio portal When tenants apply for renters insurance through AppFolio they are guaranteed coverage and consistent pricing with our policies – no denial or higher rates for poor credit or recent claims history.

In the more than two years since first buying coverage, my premium has incrementally decreased and is now $11.91 a month, probably because I purchased car insurance through the same carrier at one point and saved on a “bundle.” I no longer have car insurance through State Farm, but my renters insurance premium has remained low.

Because renters insurance is so affordable and provides so many benefits, The Washington Post bluntly states that anyone renting a home or apartment needs to get renters insurance yesterday.” If you’re currently renting an apartment or home and you want to be compensated should an accident destroy your possessions, it’s in your best interest to get a renters insurance policy.

Under those guidelines, a drug is clinically appropriate and should be covered if the consumer’s prescribing physician has determined that the alternatives available to the consumer – other covered drugs, the same drug in a different dose, or an alternative drug that must be tried first – would be ineffective, cause harm, or affect patient compliance with the prescription treatment.

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