Posts tagged "Bottom Line"

In the state of Ohio, is it legal to force a tenant to purchase “renter’s insurance?”?

Question by Mike Stankiewicz: In the state of Ohio, is it legal to force a tenant to purchase “renter’s insurance?”?
My landlord sent me a letter stating that in order to renew my lease, I ought to procure tenant insurance. He owns numerous properties, and last year one of his tenants triggered a fire. I personally assume he is attempting to goad every person into acquiring their personal insurance, so his insurance deductible will be lower. Is this legal, is it correct? I’m struggling as it is, and although it could not be significantly, I genuinely can’t afford an additional bill. Any valid insight would be drastically appreciated.

Greatest solution:

Answer by brian-the-brain
renter’s insurance covers the stuff in the apartment or home. The owner has home owners insurance coverage to cover the developing only. What you are saying doesn’t truly make sense. I am nearly optimistic you can’t be forced to get it.

Right here is a link to ohio landlord tenant law, in specific about renters insurance coverage. You might peruse the site to discover more information.

http://www.ohiolandlordtenant.com/faq30.html

The dilemma is that he isn’t evicting you. You do not typically want to renew a lease to keep someplace, there is usually a provision in the agreement that it simply defaults to month to month. So you may well be able to not renew the lease and force him to evict you. At that point you may possibly have more rights. Just before you get to this point be positive you know the law. Don’t just do it and then locate out it wasn’t the right course of action.

You really should call a lawyer that specializes in landlord tenant law in your place and ask them a few totally free questions more than the telephone. If they wont let you ask a couple of concerns for free then call another, an individual will assist you. They will know the law inside out.

The bottom line is if you are becoming screwed by the landlord, a court will side with you. This sounds like just such a situation. Just speaking to a lawyer and obtaining them explain the law to you so you can call the landlord and tell them what you discovered will likely be sufficient. Landlords don’t normally want to do the wrong theing they are just sometimes not up to speed on the law just like a lot of tenants aren’t. They attempt and do something that can make sense to them and do not understand it is incorrect for them to do so.

Very good luck with your dilemma

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Free Homeowners Insurance Quotes – Get Cheap Rates in Minutes

Looking for free homeowners insurance quotes so you can get a cheap rate? Want to know how to get them quickly and easily. Here’s how …

Free Homeowners Insurance Quotes

Before the Internet came along, getting homeowners insurance quotes was like pulling teeth. You had to go from one insurance office to another, or call a bunch of insurance agents on the phone to get a rate quote. It used to take hours, even days to get a decent rate.

My how things have changed. Now you can get online, go to an insurance website, fill out a simple questionnaire, and get a homeowners quote in a matter of minutes.

But how do you know you’re getting the cheapest rate?

Insurance Comparison Sites

The best way to get the cheapest homeowners quote is to visit an insurance comparison site. These sites will give you quotes from a number of insurers so you can choose the best rate.

Once there, you’ll be asked to fill out an online questionnaire so the insurance companies who are vying for your business will know what kind of coverage you want. As you fill out the questionnaire you can also fill in all the discounts you’re eligible for and specify how much of a deductible you want.

If you’re not quite sure about what kind of coverage you should get, the better sites have an insurance expert on call to answer your questions. You can chat with him or her online to get answers to any questions you may have. They also have an “Articles” section where you can get information on homeowners insurance and get tips for lowering your premium. (See link below.)

Bottom Line

Homeowners insurance premiums can vary by hundreds, even thousands of dollars a year from one company to the next, so spending a few minutes at an insurance comparison site will be well worth you while. It’s quick, it’s easy, and it won’t cost you a cent.

Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get free homeowners insurance quotes from top-rated companies in your area and see how much you can save. You can get more homeowners insurance tips by checking out their “Articles” section.

ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/free-homeowners-insurance-quotes-get-cheap-rates-in-minutes-121358.html

Who has the cheapest home insurance policies in California?

Time to renew and I need to start shopping around. So who has the cheapest home insurance policies in California? My House is worth 1.4 mil. I’m having a hard time with ins. bec.even though it was built in 1927, I purchased it completely remodeled and refurbished with everything up to date however I dont have the paperwork for the work done from the previous owners to provide for the insurance compan stating so.

You get what you pay for. If you are looking just at price, technically California Fair Plan is a good choice. It’s bare bones property coverage for dirt cheap. But…it’s designed for people who cannot get coverage anywhere else. It’s the strip-down, fire-only type coverage. It does not offer liability, and it is generally NOT replacement cost, so you could be shooting yourself in the foot trying to save a buck by underinsuring your house. Just ask those who’s homes were distroyed this year. I am sure a fair number of them are regretting looking at JUST the bottom line.

If you are looking for REAL coverage, ie: take care of your assets, look around and compare notes. How much are you trying to cover? Do you have discounts available (like non-smoker, over 65, multiple line, fire protection, or even job-related discounts like Farmers offers.)

Look in the phone book for agents and brokers in your neighborhood. Get several quotes for the EXACT same, or similar coverage. Then evaluate your options.

Skimping now could lead to REAL regret in the event of a catastrophic need. We had several people call in a panic during the wildfires and there was NOTHING I could do to help them then.

This site may help you to compare many home insurance companies at once

http://best-home-insurance-comparator-usa.blogspot.com/

Hope this help,