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In Today's expanding world almost everything in our life is insured under the insurance provided by different companies. Some examples are car, housing and health insurance etc. Since few years one more type of insurance have came into light i.e renter's insurance. Now a days just because of multiple advancements the world has become a global village. Different people from different places across the world are travelling frequently to the different parts of the world for different purposes like travelling, study, work, etc. During this phase this people have to stay in any rental property. Even it is a rental property who is responsible for any loss to the person staying or the house? That's why rental insurance came in to the picture.
The main reason for choosing this website was it's content. They have explained well about the different services provided by there company. All the insurance are covered under the one roof of in this company. It cover's different types of damages like, house damage, damage to the person living in the house or damage to the precious belongings of the person. If the person is self employed than it will also cover if there is any damage to any equipment files or any inventory.

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Save up to $500*
Bundle home and auto insurance

Make your Maple Leafs Insurance experience even better. See how you can bundle and save money along the way. Our combined policy also enhances your line-up with extra value such as our Disappearing Deductible endorsement and an additional $1 million in excess liability coverage.

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Maple Leafs Home and Auto Insurance provided by Aviva Canada

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Make your Maple Leafs Insurance experience even better. See how you can bundle and save money along the way. Our combined policy also enhances your line-up with extra value such as our Disappearing Deductible endorsement and an additional $1 million in excess liability coverage.

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This website is really well designed and explain about many different insurances. They are having well built and easy to follow website. I also found that they have posted some of the comments and reviews from there clients saying about there about services.
I choose this website because of multiple reasons. They have good spacious appearance of there website. Highlighted points are easy to follow for all the clients visiting the website. They have clearly stated different reasons for choosing there company while taking any type of insurance.

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Bicycles, sporting equipment and watercraft: This optional coverage protects any personal and portable equipment used for athletic or recreational activities. This includes cycling, equestrian, fishing, golf, hang-gliding, hockey, hunting, paragliding, shooting, skating, skiing, snowboarding, surfing and windsurfing. It also protects commercially manufactured boats, canoes and kayaks. Any watercraft must be no more than 20 feet in length and, if motorized, must have no more than 100 horsepower in total. And, it protects related property like accessories, equipment and trailers.

Business property: This optional coverage protects any property that you use as part of your trade, profession or occupation. If used for both business and personal purposes, it must be insured as business property. Note that this coverage does not protect business operations/exposures in any other way.

Fine arts and collectibles: This optional coverage protects visual art, including paintings, sculptures, drawings, limited edition prints, and other pieces that cannot be easily replaced, like hand-woven or hand-knotted rugs or carpets made in Asia. It also protects any items collected as a hobby, for display, or as an investment, whose value may appreciate, including sports card collections, first edition books, and coin collections. And, it protects any porcelain ware, plates, cups, saucers that are used on special occasions; eating and serving utensils made of silver that are also used on special occasions; and figurines made of porcelain or ceramic material.

Jewellery and watches: This optional coverage protects objects designed for the adornment of the body, including necklaces, bracelets, rings, earrings, watches and precious stones.

Personal property: This mandatory coverage protects all the other "moveable" property you own. This includes appliances, household goods, electronics, furniture and clothing in your home, garage and storage unit. This coverage does not protect any specialty property, which includes: bicycles, sporting equipment and watercraft; business property; fine arts and collectibles; jewellery and watches; and landlord's property.

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Tenant Insurance from $12/Month | Square One

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Bicycles, sporting equipment and watercraft: This optional coverage protects any personal and portable equipment used for athletic or recreational activities. This includes cycling, equestrian, fishing, golf, hang-gliding, hockey, hunting, paragliding, shooting, skating, skiing, snowboarding, surfing and windsurfing. It also protects commercially manufactured boats, canoes and kayaks.

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I choose to write on this website because it is really interesting to see that they have given a option that one can enter the postal code for calculating the insurance as different houses at different locations have different amounts of insurance. They have also mentioned in there website that one can combine there car insurance with there tenant insurance to get more discount. They also have the option of some of the optional coverage that one can add to it's regular insurance.

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Tenants Insurance, Renters Insurance | Desjardins Insurance

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Desjardins Insurance offers tenant insurance coverage that suits your needs.You can even buy your insurance online!

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This website is really giving the good source of information by using different examples about the renter. They are not selling any insurance or anything else. They are only making the renter aware about the insurance. They have explained well about the right of the renter after getting the insurance so that he can claim the insurance whenever he or she needs it. One other thing is they have also explain that how one can decide about the insurance amount he needs to take for specific property.

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When I was in college and got my first apartment, my dad told me, "Always be sure to get renter's insurance." And, like most college kids would, I promptly pushed this bit of parental advice out of my mind.

Big mistake. When I got back from winter break my freshman year, my apartment had been broken into-my TV, my roommate's computer, and other personal items were gone. And I was slapped with the bill to replace them.

While moving into a new place can be a chore in itself, don't forget to make sure you have the coverage and protection you might need in case of an emergency. Not sure what exactly it is you need to look for in your renter's insurance policy, or still have questions? We've got the answers.

Why do I need renter's insurance?

Most apartment complexes and landlords only have insurance that covers the damage to the actual dwelling, which leaves everything of yours-electronics, furniture, clothes, whatever-vulnerable. So, to protect your belongings in case of fire, theft, or damage, you need your own policy, called an HO4 or renter's insurance policy. (Unless, of course, you have the funds to replace everything yourself!)

You also need liability coverage for damages caused by negligence. For instance, if you accidentally leave the kitchen sink on and it overflows into your neighbors' apartment, you could be found liable for that damage-and required to pay for repairs, medical bills related to the accident, as well as defense costs if they bring a suit against you. Renter's insurance would cover those costs.

No, none of this is fun to think about, but believe me-it's a lot easier to plan (and pay) for it before it actually happens.

What exactly will my policy cover-and what won't it?

Personal Property

Most standard renter's insurance policies offer protection for your belongings in case of power surges, water damage, fire, vandalism, theft, and other events out of your control. However, most do not cover damage caused by flood water, earthquakes, mudslides, or nuclear hazards. If you live near a fault line or the water or are concerned about these hazards, talk with your insurance agent about getting a separate policy.

Also keep in mind that certain types of property will only be covered up to a limit set by your insurance company-$2,500 for electronics and $1,500 for jewelry and furs, for example. So, if you have an engagement ring, a customized computer, or even an expensive set of golf clubs, you should consider purchasing an additional personal articles policy. These add-ons to your renter's insurance are typically inexpensive (we're talking a few dollars every month), but protect those really important items that would be costly to replace.

Loss of Use

Your policy also covers your living expenses in case you must leave your home after an accident. Say a tree crashes through your roof and the place needs repairs before you can live there again-loss of use will cover a hotel, food, and any other expenses you incur during that time.

Liability

Your liability coverage pays for bodily injury and property damage caused by negligence-like if your dog gets loose and bites the neighbor's kid and he has to get stitches.

You're not, however, covered for negligence for expected or intended bodily injury (you throw a baseball in a parking lot trying to hit your neighbor), business pursuits (the cupcakes you bake in your apartment make someone sick with food poisoning-you would need a business owner's policy), or vehicle-related damage or injury (your emergency brake fails and your parked car hits someone-auto insurance covers this).

Additional Coverage

In addition to the basics, there are a few other types of coverage to know about. If a visitor suffers an injury in your home, your policy's "medical payments to others" coverage will take care of the medical bills, regardless of who is at fault. "Credit card and bank forgery" coverage will protect against some monetary fraud attempts, such as if a burglar steals your credit card or check book during a break-in to run up fraudulent charges or write forged checks. And "property of others" coverage replaces not only your belongings, but others'-for example, if you borrow a friend's laptop, and a leaking pipe destroys it.

How much coverage do I need?

Many landlords require their tenants to have a minimum of $100K in liability coverage. If your landlord doesn't have this guideline, talk to an insurance agent to determine how much coverage you need.

For property damage coverage, one of the first questions the agent will ask you is how much your stuff is worth. While that seems like a simple question, when you really start to think through what it would cost to replace everything in your home, it can get tricky. But a good rule of thumb, and what basic policies cover, is $30,000 to $50,000 for apartments and around $100,000 for homes.

More importantly, even if you can't put a dollar sign on all that you have, take photos or videos of your place and your most important belongings. This way, in case of a catastrophe, you'll have a record of everything and can think through how much everything is worth at that point.

I need this! Where do I get a policy-and how much will it cost?

First, contact the insurance company that provides your auto insurance-most will give you great discounts if you bundle both policies. If they don't offer renter's insurance or if you want to shop around, check out www.insureme.com. Prices will vary by state, liability limits, and the personal property values you want to cover, but a basic policy-$30,000 of personal property coverage, $100,000 of liability, and a $500 or $1,000 deductible-should only cost you $10 to $15 bucks a month.

And let's face it-that's a small price to pay for the peace of mind it provides and the coverage you'll wish you would've had in a disaster. Just think, for the cost of one take-out meal a month, I could've protected my college apartment.

Kristen is a budgeting guru who loves to save money more than she loves to spend money! Her friends call her thrifty, but she knows she has all the right money moves. After studying abroad and seeing how little others live on and taking a job working with poor communities' financial needs, she realized how important financial decisions are for young people to start making now. Tune in to her column to see how you too can be a money maker!

More from Kristen Cox

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When I was in college and got my first apartment, my dad told me, "Always be sure to get renter's insurance." And, like most college kids would, I promptly pushed this bit of parental advice out of my mind. Big mistake.

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In this video it says about the different types of coverage that one gets in case of claiming the insurance. it covers coverage for loss of use,  property coverage, it also covers small alteration. It also covers liability and medical services for someone else too. In case by any chance if the person have to stay in the hotel than the insurance company will pay all the bills of the stay in the hotel.
I personally picked this video because it is making renters like me aware about all the coverage in the particular insurance.

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This video explains about why one should have the rental insurance, what is covered in the rental insurance, deductible amount may increase or decrease the premium. Even if you are living in someone else house still you should have your rental insurance. It also explains about from where can I get the insurance and how can I get it.
I liked this video because it is covering almost all the aspects that one should look at before taking any rental insurance.

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You must have a signed lease document to be the part of the renter's insurance. It is important because insurance claims are completely based on the lease. 2 types of coverage 1) property coverage is covering any damages to the property 2) Liability coverage is for damage to the other people because of the property. Always insure the property at the price of replacement cost of the property. Try not to claim the small claims. There are lots of different ways to invest in property and earn the money.

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Rental Property Insurance: Tips & Advice

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As a renter you do not own the building but you own the stuff inside the building so to protect it renters insurance is must. The claim process is a art. Sometimes the adjuster may see the claimed amount and report and may ask you to sign the paper saying that you have claimed the legal money only. Can delay the process if not claimed properly. Adjuster may investigate the other people involved in the damage to keep the process smooth and accurate.

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What Happens When I File A Renters Insurance Claim?

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In this image it state that there are lots of things been covered in a single rental insurance. It shows the house in between and all the things covered in it around the house symbol.

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Most landlords, property managers and real estate professionals probably understand the value of landlord insurance. However, many communities still don't require every resident to provide proof of renters insurance. Things are improving. Between 2011 and 2012, the percentage of landlords/property managers who require self-paid insurance rose almost 15 percent, from 62 to 84 percent. According to the National Multi Housing Council's 2012 Apartment Cost Risk Survey, almost 85% of respondents claimed they stipulate coverage as a lease requirement. The number is less impressive when you consider that 4 out of 10 people who claimed they required residents to purchase coverage didn't have a standard that covered all properties.

It wouldn't make sense to skip your landlord insurance, or fail to renew those riders that protect you against fire, wind, floods and other "normally excluded" acts of God.

Why would you leave yourself open to losses when it isn't necessary? Recovering losses is arduous at best. In 2013, Scott Woodward, risk manager for Dallas-based Trammell Crow Residential, told Multifamily Executive Magazine the odds are about 1:50 of collecting on a lien filed about tenancy ends.

If you're still among the shrinking pool of property managers who don't require renter's insurance, here are four reasons you should rethink your plan.

Number One: Reduce Exposure

There isn't one insurance standard that covers every state. Some cities even have rigorous rules that apply only to residents and landlords living within their borders. But, the probability is high that your landlord coverage doesn't shield you totally from liability.

Did you know that some renter's policies cover medical expenses if a resident and/or guest is injured on your property? Manager/owners who live on the same property as residents may think their homeowner's policy is enough, but more often than not, you'll need a separate policy.

Number Two: It's "Free"

Okay, technically insurance is never free. Someone has to pay for the policy. You'll want to explore options to help your residents find affordable cover that protects all stakeholders. Whether you add the monthly fee to your rent tiers or require residents to provide a prepaid policy, your property won't have to assume the expense unless that is part of your business plan. Some property management firms opt to purchase coverage and pass the expense on to their residents. Others may ask their insurance agent for options that allow them to pay a portion of the coverage. Most probably choose to put the responsibility in the resident's hands.

Number Three: Lower Your Operating Costs

Renters insurance is like every other insurance product, it's sole purpose is to protect against emergency losses caused by accidents. There are plenty of other expenses beyond repairing the walls and replacing the appliances after a kitchen fire.

Have you considered loss of rent? If your resident has to temporarily relocate during renovations, who covers their monthly lease obligation to your property? Where will they store personal property and who pays for temporary storage. How much will legal fees cost to defend your claims or file a lien?

Renter's insurance policies protect the owners, the property managers and the residents. Plus, it's hard to put a price tag on the peace of mind that comes from knowing you have that extra coverage if something happens.

Number Four: Make it a Marketing Mention

If you're actively seeking new properties, mentioning you have a company standard that requires renter's insurance may help you tip the scales in your favor. Owners are looking for managers who know how to protect the investment and save money.

It really doesn't make sense to continue putting off the decision to add an insurance stipulation to your lease. Have you had a negative or positive experience with renter's insurance? Comment and share your thoughts with our readers.

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Four Reasons Renters Insurance Should Be Compulsory for Your Property

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Most landlords, property managers and real estate professionals probably understand the value of landlord insurance. However, many communities still don't require every resident to provide proof of renters insurance. Things are improving. Between 2011 and 2012, the percentage of landlords/property managers who require self-paid insurance rose almost 15 percent, from 62 to 84 percent.

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This image shows that, there are many types of things that one can enter in the renters insurance. It depends on your personal choice that what to include and what not. There are some of the things that are so important in our priority list that we have include in our insurance claim.

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You've found the apartment of your dreams, but your job isn't over yet! Now you have to find a renters insurance company to protect your personal items in your apartment. While it seems like a daunting task, Clearsurance , the leading online publisher of consumer insurance data, named the best renters insurance companies for 2018 to help guide your search.

What is Renters Insurance?

You need renters insurance to cover your personal belongings so you can repair or replace them if they're damaged. If a disaster strikes your apartment, such as a fire or hurricane, your landlord's insurance will cover any damages to the structure of the building, but they aren't responsible for replacing your personal items. The general rule of thumb is that if you can't afford to replace all of the items in your apartment, you should purchase renters insurance.

According to the Insurance Information Institute, standard renters insurance coverages include protection for personal possessions, liability and additional living expenses if your apartment is badly damaged and you cannot stay there. Damages covered by a typical policy include damage from fire, smoke, lightning, vandalism, theft, explosion, windstorm and water. Policies typically don't cover flooding from severe weather or earthquake damage. Protection for those perils require supplemental coverage.

Many renters don't know that renters insurance is generally very affordable, though the price depends on your coverage and where you live. The average cost of renters insurance in the U.S. remains below $200. That equals around $16 per month on average and less than $1 per day. To put that in perspective, the monthly cost is about the same as a pizza and the daily cost is less than a cup of coffee.

Top 5 Renters Insurance Companies

Based on thousands of consumer reviews and ratings, Clearsurance published a list of the top five renters insurance companies with the best customer scores. It only included companies with at least 100 reviews over the past year.

USAA came out on top, ranking as the No. 1 renters insurance company for 2018 with a score of 4.73 out of 5. While USAA tops the charts, not everyone is eligible to purchase renters insurance through the company. USAA only serves former and active U.S. military members and their families. If you're eligible, you can read USAA insurance reviews to see why consumers trust this company for their renters insurance.

A unique feature of USAA renters insurance is that flood and earthquake coverage come standard with a policy. These coverage are often omitted from standard policies and policyholders need to purchase supplemental coverage to get protection against them.

Consumers consider State Farm the second-best renters insurance company with an average renters insurance score of 4.39 out of 5. State Farm is a reputable insurance company that had the most direct premiums written of any personal lines insurance companies in 2017.

Geico comes in at No. 3, but it isn't far behind State Farm by earning a score of 4.38 out of 5. Geico isn't like the previous companies on the list because it sells renters insurance through other licensed insurance companies rather than writing its own renters insurance policies. Geico is a great option for renters who already have their car insurance through Geico and are looking to bundle policies.

Progressive holds the No. 4 spot with a score of 4.38 out of 5. Like Geico, Progressive renters insurance is provided through third-party insurers and you can earn a discount by bundling your renters and car insurance together.

Allstate ranks as the fifth-best renters insurance company with a score of 4.16 out of 5. Allstate has many resources available to help you get renters insurance. You can get a quote on Allstate's website or also by talking to an agent.
Lemonade - a renters insurance company with a modern approach
Though it didn't qualify for Clearsurance's list, Lemonade Insurance is currently ranked No. 1 by consumers. Lemonade didn't have enough reviews to qualify, but the startup insurance company is quickly growing and expanding to offer renters insurance coverage in more states.

Lemonade is a startup renters and homeowners insurance company with a unique business model. Lemonade utilizes technology to offer renters insurance services through a mobile app and website all while giving back to the community.

Lemonade charges you a renters insurance premium and takes a flat fee for service and sets the rest of your premium aside for paying claims. Each year, the company uses money leftover that was dedicated to claims to make donations to the charity of your choice. You can read more about this company and the Lemonade Giveback program on Lemonade's website .

What to Look for When Shopping for Renters Insurance

Anyone who is renting an apartment, condo, college dorm or house should consider renters insurance. Before you begin looking for policies and getting quotes, you should know what your belongings are worth. Do you have any precious jewelry or other items that may need additional coverage? Liberty Mutual's renters insurance coverage calculator might be able to help you find out how much your items are worth.

It's important for you to find the renters insurance company that is right for you. A company may claim to be the best but does it actually have responsive customer service? Does it pay out claims quickly and effectively? You can learn valuable information and learn from the experience of others by reading consumer reviews. To see the most up to date listing of the best companies and to filter by insurers selling in your state, check Clearsurance's renters insurance rankings .

When you find your apartment, in whichever city you call home, make sure to check out your options for renters insurance.

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The Top Renters Insurance Companies According to Consumers | ABODO

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You've found the apartment of your dreams, but your job isn't over yet! Now you have to find a renters insurance company to protect your personal items in your apartment. While it seems like a daunting task, Clearsurance , the leading online publisher of consumer insurance data, named the best renters insurance companies for 2018 to help guide your search.

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Question 1 What did you learn from your topic that surprised you the most?

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Question 1 What did you learn from your topic that surprised you the most?

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I learned about many different types of claims that one can cover under the renters insurance. I also learned that this insurance is very important for one to live safe and to keep there belonging safe.

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Question 2 Provide a real life experience about how this topic is relevant to you?

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Question 2 Provide a real life experience about how this topic is relevant to you?

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This topic gave me lots of
important information. It is relevant to me because as a international student I have to stay in the rental property. I got to know many important things which I was not knowing before today's assignment.

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Question 3 If you could pass knowledge to your family and friends what could be the most important thing to pass on?`

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Question 3 If you could pass knowledge to your family and friends what could be the most important thing to pass on?`

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I will pass them information about all the different types of things that one needs to keep in mind before claiming the insurance. I will also tell them what all care one is suppose to take at the time of insurance selection.

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 choose to write on this website because it is really interesting to see that they have given a option that one can enter the postal code for calculating the insurance as different houses at different locations have different amounts of insurance. They have also mentioned in there website that one can combine there car insurance with there tenant insurance to get more discount. They also have the option of some of the optional coverage that one can add to it's regular insurance.