Posts tagged "Bet"

Does my landlord need insurance?

Question by Kiddo: Does my landlord need insurance?
My lease references “manager’s insurance” so do they need to have it? Seems to me this implies that they have it and therefore if they don’t it is misleading?

I caused a fire cooking chicken (I didn’t know cooking oil explodes at random, I was standing right next to it too) and the surrounding cabinetry was damaged as well as the stove. I called my insurance agency and they say renter’s insurance does not cover the apartment – only MY things. So there is no way I could have protected myself against this – except maybe taking a course in chemistry?…My landlord made no reference of having insurance and charged me a large bill, which I paid, but now I’m thinking they should have made a claim with their insurance agency assuming they have one.

I would really like to get some of my money back, any suggestions on how to do this are appreciated.
Ok, thank you for all the emphasis on how it was my fault.

What I’m wondering is if my landlord should have filed a claim, had her insurance bring the charge down, and THEN billed me.

But I see that YOU all are A BUNCH of angry LANDLORDS bent on POINTING fingers at RANDOM people.
And please read the post, RENTERS INSURANCE DOES NOT COVER THIS.

And for the smartas$ who said I should take a cooking class – I was following a recipe. And people shouldn’t have to go to school for cooking to rent an apartment.

Best answer:

Answer by Landlord
No, you damaged this, you pay for it. Insurance does not cover tenant damages. It would only kick in if you burned down 25% of more of the building but you can bet the insurance company would turn around and get the money from you.

Just because he has insurance does not mean you can do things like this.

Know better? Leave your own answer in the comments!

3 Top “Don’ts” to Avoid with Life Insurance Quotes

Post by Kim Chambers

Life insurance quotes don’t always come low-cost. That is because insurance coverage firms are taking a gamble when they make a decision to insure your life and, like all gamblers, insurers will need to know how considerably of a threat they are taking when deciding whether or not your life is a protected bet.

With high insurance premiums, it can be tempting to be “economical” with the truth or just to downright lie as you fill out your policy type. Nevertheless, omitting the complete truth either by choice or ignorance can lead to your policy being declared void, which leaves those left behind with practically nothing, even if you have continued to make your month to month payments. Truth is always the best policy, so here are 3 best “don’ts” that you ought to bear in thoughts.

Don’t be coy about your ageAge is a determining element when it comes to life insurance quotes, as the older you get, the more your premium is going to go up. Your age is an effortless thing for insurers to check when a claim is created making use of information from your birth certificate. If the age on your policy does not match that on your other documentation, then your policy is nullified. As incredible as it sounds, some individuals lie to insurance coverage firms for no other reason than vanity – it just is not really worth the threat.

Don’t lie about your healthThere are particular wellbeing aspects that contribute to your life-style which will have an effect on life insurance coverage quotes . If you are a smoker for instance or if you have smoked prior to, then you should declare this to the insurance coverage organization. Smoking is a recognised danger to your wellbeing and will push your premium up. By not declaring to the insurance coverage firm that you smoke, you are in fact committing fraud, which is a confident-fire way to not receiving a payout soon after your death. Similarly, be honest about the quantity of units of alcohol you consume in an common week and the amount of workout you do.

Do not be ignorant of loved ones wellbeing historyIgnorance is not an excuse for giving false info about wellbeing problems in your family’s history. Take the time to study your family members tree correctly for as numerous generations as you can and see if there are any hereditary illnesses. Assuming the best is not a wise thing to do with health problems, and could lead to your insurer refusing to pay for a claim.

About the Author

Kim has 2 years expertise in the Life insurance business. She enjoys writing articles on a variety of topics.

Trying to find condo insurance in Ft Lauderdale but am having no luck finding a company? Any suggestions?

You’ll probably have to go through Citizens, the state’s insurer. Call your auto insurance agent and see if they write it. If not many/most State Farm agents do.

But before you do that go ahead and call around to some local brokers and see if they have any companies writing new policies, or call the Florida Market Assistance Plan, set up to help people find coverage. You can call them at 800-524-9023 or register online at http://www.fmap.org.

From what I’ve seen Citizens is the safest bet. But I haven’t seen everything.

Good luck!

How much should I expect to spend on home insurance?

I am planning a home purchase and I want to budget my monthly payment. In the area where I live, I expect to pay approx 650K for a 3bed, 2 bath home. When I calculate my monthly payment, I want to know the home insurance component as well as Property Tax for Fremont, CA if possible.

about 1,800 yearly. have it impounded with escro and it wont hurt a bit. i pay 1,600. 530k home in hayward. congrats on the purchase. state farm was a good bet.