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What is Renter’s Insurance? And How to Get the Best Rates

Many who rent an apartment or a house automatically presume that the manager or landlord’s insurance will cover their belongings in case of loss. In reality, this is not true, and in fact, and owner’s policy covers only the building and structural damage. In many cases, if you are responsible for the fire or flood, you are going to be held liable, on top of what their insurance may cover. If you have a break in, the landlord’s insurance doesn’t cover this either.

To be on the safe side, you need to have renter’s insurance. This kind of insurance protects your belonging from just about any kind of problems, including damage or loss from a fire, flood, or some other disaster, as well as from theft. It also covers liability in case someone gets injured while visiting you in your apartment. It is important in this day and age to get renter’s insurance.

There are some limitations to renter’s insurance that you should be aware of. One of them is that if you are living in a group situation, like if you have a lot of room mates, your application may get rejected. If you are living with your parents, or legal guardians, you are generally automatically covered under their policy, and won’t be able to get your own insurance. College students many also find it hard to obtain renter’s insurance, especially if they are living in a dormitory setting.

Now, renter’s insurance generally costs up to $300 a year for the premiums. It does however cover up to 35,000 in property damage loss, and up to $100,000 in liability claims. If you have items that are valued over $5,000, then it is a good idea to get extra coverage. It will cover items that you store outside or inside the apartment, but it doesn’t cover you vehicle.

There are two different types of policies to be aware of. One of theme is are insurance policies that pay Actual Cash Value. This means that the payout will be based on original cost. For example, if you purchased your laptop for $600 four years ago, it isn’t going to be worth that much today. The other type of insurance is Replacement Cost insurance, which will pay out what is will cost to replace the merchandise today. The difference is that the ACV policy usually costs less in premiums that the RC insurance.

Just like any other kind of insurance, you need to shop around for the most coverage at the best price. If you already have some vehicle insurance, you company may give you a discount for them doing your renter’s policy, but this is not always the case. You can find a variety of different websites for renter’s insurance coverage, but you have to look closely at the fine lines, and decide which policy is right for you, and the right price.

When you get an insurance policy, you will need to do an inventory of what you have, to find out how much it’s worth, in order to get the right amount of coverage. This is going to include not only electronics, but also things like your other furniture, clothing, and even dishes and pots and pans, in order to get these replaced.

Commercial Property Maintenance

Property maintenance means to upkeep a property through good housekeeping and maintenance. The property may include a commercial building, a dwelling unit or any estate.

Property maintenance may include wide range of services, which may vary with the type of property involved. Generally these include from day to day cleaning, to air conditioning, plumbing, fire safety, electrical wiring, boarding, glazing, locksmiths, refurbishment or roofing.

As it requires varied skills a number of companies may be employed in these services. Nowadays, there are many specialized companies which provide all these services under one roof to make the work hassle-free for the property owners (although a specialized company may subcontract many other companies to perform the maintenance).

Playing an important role in the retail industry as the image of the retail businesses services has a direct impact on its profit; therefore they require maintaining the highest level of standard. To supply the highest standards, large companies work in a totally planned way well in advance to minimize disruption.

Property maintenance companies offer many services like asset maintenance, tenant retention, communication tools, cost controls, round the clock coverage, emergency response, professional uniforms, employee training programs and vehicles. Property maintenance agencies also provide round the clock preventive maintenance services, which may include various services that vary as per the construction or type of occupancy or as per the requirement of the property owner.

An effective commercial maintenance program may include:

  • First aid fire extinguishers: Checking, cleaning as well as refilling
  • Safety program: Running continuous safety training program for daily visitors
  • Smoke alarms: Checking of panels, testing of detectors and batteries, and re-setting
  • Water heaters: Checking, draining and de-scaling
  • Rain gutters: Cleaning and checking for secure fastening
  • Roofing and flashing: Repairing and inspection
  • Doors and windows: Inspecting all weather stripping, locks, hinges and doors
  • Lawn sprinklers: Re-setting of timers, inspecting, testing and replacing of heads
  • Electrical checks: Checking of electrical loads and related backup arrangements to ensure continued power supply and to avoid any disruption.

An effectively planned range of services coupled with a good feedback system are the essentials of any good property maintenance service provider. As the size of the retail business grows, the cost of maintenance grows. Having a reliable all-round property maintenance company on a contract can reduce these ongoing costs.

Lightning Strikes – Tips To Keep Your Family and House Safe

Lightning is Mother Nature’s electrical power. It is responsible for more deaths per year than tornadoes. Know when there is severe weather approaching your area. Even if that storm is not right over you lightning bolts travel miles out from the base of the storm. You will not be able to dodge a lightning strike but you should know what to avoid, and how to be prepared, when there is bad weather.

Lightning strikes show how vulnerable we are to Mother Nature’s power. Spring, and into summer, is peak season for the nation’s deadliest weather phenomena. The National Oceanic and Atmospheric Administration lightning safety information indicates that ‘an average of 67 people are killed each year by lightning. Knowing how lightning enters a house or building and how to stay safe during a lightning storm may help protect you from injury and your personal property from damage.

There are three main ways lightning enters the home – a direct strike, through wires, or pipes that extend outside the structure and through the ground. Regardless of the method of entrance, once in the structure, the lightning can travel through the electrical, phone, plumbing, and radio/television reception systems. Lightning can also travel through any metal wires or bars in concrete walls or flooring.

To stay safe when you’re inside your home during a lightning storm stay off your ‘land line’ phone, away from windows and doors and avoid doing the wash. Phone use is the leading cause of indoor lightning injuries in the United States. Lightning travels long distances in both phone and electrical wires and can reach you if you’re using or near the appliance. Another direct path for a lightning direct-strike into your home is doors and windows. Concrete garage floors generally have wire mesh running through them so avoiding contact with that surface will also ensure more safety. Washers and dryers have contacts with electrical wires and plumbing pipes, both which can carry the lightning strike surge, but also contain a path from the outside through the dryer vent.

Protect items within your home, also. Remember your pets to ensure their safety. Dog houses, obviously, are not lightning safe and pets that are chained or in a wire kennel can easily become a victim to a lightning strike. Electrical surges produced by lightning can damage any electrical or electronic equipment. A surge protector will not protect this equipment from a lightning strike. Unplug your equipment, before the storm threatens, to ensure protection of this personal property.

Suggested tips from the National Weather Service include:

Outdoor Activities: Minimize the Risk of Being Struck: Most lightning deaths and injuries occur in the summer. Where organized outdoor sports activities take place, coaches, camp counselors and other adults must stop activities at the first roar of thunder to ensure everyone time to get a large building or enclosed vehicle. Leaders of outdoors events should have a written plan that all staff are aware of and enforce.

Helping a Lightning Strike Victim: If a person is struck by lightning, call 911 and get medical care immediately. Cardiac arrest and irregularities, burns, and nerve damage are common in cases where people are struck by lightning. However, with proper treatment, including CPR if necessary, most victims survive a lightning strike. You are in no danger helping a lightning victim. The charge will not affect you.

A little knowledge and some advanced warning of an approaching thunder storm will help protect you from the damaging effects lightning strikes cause and reduce your vulnerability to one of nature’s deadliest hazards.