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Renters Insurance Case Answers

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Student Answer: 1. Replacement Cost: If you have a two year-old laptop that gets damaged beyond repair in an apartment fire, you’ll need to replace it. While some companies may only give you what the laptop would be worth (which is not a lot if it’s two years old) a renters insurance policy with replacement cost coverage can help you replace the damaged laptop.2. Liability: Not all renters insurance policies include liability protection however, this is an important feature you probably won’t want to skip. For example, if someone slips and falls in your apartment and ends up seriously injured, they could hold you accountable and sue you. Renters insurance will protect you from the financial burden of liability risks.3. Worldwide Coverage: Some days, does it feel like you live out of your car and all your belongings are in there? …show more content…

If you suffer a loss of property outside your home, your renters plan with worldwide coverage may help protect you from the cost of replacing your belongings. Be sure to check your policy for any limitations that may come with this coverage.4. Low Deductible: Looking to save some money on your plan? Many renters insurance policies feature a low deductible, so be sure to look for a policy that has one. When filing a claim for personal property, you won’t want to file against a high deductible.Renters insurance can help protect you from heavy replacement costs and renters should put serious consideration into finding a policy that’s right for them. Do your research and speak with an agent to find a renters insurance plan that is right for

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After reading the story about Larry landlord and tenant Roger Renter, I feel like Roger should have inspected everything himself before moving in because sometimes owners will not tell you everything that is going on. Roger should have got the roof checked and looked at the ceiling in the apartment to see if anything seems like it has a leak, and if he saw something, he should have told the landlord and the landlord should have fixed the issue. Also, Roger should have made Larry wrote a covenant because he would have had some documentation that Larry stated he was going to repair the leak. For instance, when I and my finance moved to Valdosta in an apartment the manager of the apartments stated they checked all apartments.

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. I believe the two situations are different because the arbitration clause in the insurance policy, that was sold by Sphere Drake Ins. Co., was well known by Rosalie & Matteo Corporation, the party that bought the policy. In the Brower vs. Gateway case, the arbitration clause was stuck in paperwork, that was stuck in the box that the computer came in. Brower had no idea about the clause until it was time to file the lawsuit.

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The two basic types of malpractice insurance are claims-made and occurrence-made. Claims-made insurance guards you from malpractice claim only if the company that insured the practitioner at the time of the alleged occurrence is the same company at the time the claim is filed in court. In other words, it only covers the practitioner while the policy is in effect. If the practitioner acquires a claims policy, he needs to make sure he also acquires tail coverage which is an extended reported period after the primary insurance is cancelled or terminated. With occurrence-made insurance, the insurance coverage will be seamless, regardless of job or location changes (Malloy,

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As a house or apartment renter, you may think your landlord 's insurance policy will cover you and your belongings in the event of a break-in, accident, or natural disaster. However, this usually is not the case. Tammy Ross Insurance in Monroe, NC, encourages you to get renters insurance to protect your belongings. For nearly two decades, this independent insurance broker has been the most trusted and reliable broker of renters, home, life, car, and health insurance in Union County.

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512 Words | 3 Pages

Response Paper 2: Rent In 1994, Rent debuted on Broadway, the first musical to shed light on HIV/AIDs epidemic. Rent, book and lyrics written and music composed by Jonathan Larson. Rent takes place in Manhattan’s East Village and follows a young and impoverished, group of friends who struggle to make it as artists. Rent sheds light on the burdens of young individuals not only living in impoverished conditions but, also living under the shadow of the HIV/AIDs epidemic in the late 1980’s. The central theme to Rent, the struggle for young adults to not only become financially successful enough to literally pay ones rent, but to also be comfortable with themselves and other people.

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I have attached my Double Indemnity assignment. Also, I am applying for a scholarship to help me pay for college. It is required that I get a Letter of Recommendation from one of my professors. Would you be able to write me a Letter of Recommendation since you have seen my effort in your literature class and my class participation? I would not need it until February 1st, and I can give you more information about it on Monday when our class meets at the Tivoli Theater.

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If they want to replace the carpet or want to paint, they will have to get permission from the landlord. Depending on the landlord they may be nice enough to allow some decorating, and some want things to stay as they are. Being a renter, that could be frustrating not being able to decorate to your lifestyle. Another advantage for homeowners is their mortgage payments will remain stable. They never have to worry about their mortgage increasing.

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320 Words | 2 Pages

Home Insurance in New Jersey Owning a home is everyone’s dream, therefore, it’s important to protect that dream by taking Home Insurance. Getting the right Home Insurance policy in New Jersey can be a bit tricky, that’s why you need a knowledgeable local agent at Collier O’Neil & Associates to guide you into understanding the needs of homeowners. There are several risks such as fire, weather damages, vandalism, theft and much more, that could damage your home. When such risks occur, you may not be capable of getting your home back to its original state, that’s where home insurance comes in, to help you manage that financial crisis.

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You can usually keep your home and a few other

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Vision care insurance tends to be inexpensive compared to other types of insurance, because many of the covered costs are predictable and expensive claims are rare. A type of health insurance plan under which vision care, such as eye examination, and vision aids, such as glasses or contacts, are at least partially covered. Having your Vision care covered by Health Insurance would be an extremely great benefit to have. Medical benefits are defined as a payment made or an entitlement available in accordance with a wage agreement, insurance policy, or public assistance program, relating to health/medical care. You simply will not have to worry about damaged lenses or glasses if your Vision care is covered by Health Insurance.

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Also my responsibility to pay taxes is so if my house floods, catches fire, or gets hurt

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A quality home must provide a shelter for many reasons. First of all, a shelter provides protection from weather conditions. Sometimes, the weather conditions are faulty throughout the world. One day the weather might be too hot, while another day it might be too cold.

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It would be the landlord’s obligation to make sure his property is habitable and safe for his tenants. This law is observed in a National Level. Although it varies a little on the implementation, it still covers the idea of the landlord being responsible for his property and for the safety of his tenants. Furthermore, the tenants are also responsible for their actions and being able to pay the rent. If the tenant files a suit against his landlord, he is protected against retaliating actions of his landlord, such as eviction from his rental.

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Many chose additional insurance, the accident insurance occupants and damage-occupants insurance. These insurance policies pay out a sum in damages to the occupants or the belongings of the passengers as a result of an accident. An auto break down The conclusion of an insurance do your deals.

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And if you are lucky to find one, the policy will likely not cover the costs of damages including fire to your home. And if it does, you might not like the

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