If you rent in the state of Florida, then you need to protect yourself, your possessions and your finances from loss due to theft, accident or disaster. While homeowners are required by law to carry homeowners insurance in the state of Florida, renters are not legally obligated to have coverage. It is speculated that as many as 75% of Florida renters do not carry renters insurance.
While you may not feel the need to purchase renters insurance, should anything happen to your home or your possessions your landlord's property insurance will not cover it. You will be faced with having to replace your possessions out-of-pocket if they are lost or with paying for damages and medical expenses if you are sued. Florida renters insurance is very affordable
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Contents replacement cost coverage goes a step beyond simply personal property coverage and provides for the full cost of replacing many of your possessions with completely new goods, without consideration of the devalued worth of the lost property. You might also consider getting a personal articles floater on your renters insurance policy. This coverage is crucial for Florida renters who own high-ticket items such as computers, valuable artwork or jewelry.
Personal Liability Coverage
Personal liability coverage is what stands between you and financial disaster should someone be injured or their property damaged in your rented home. The personal liability coverage of your Florida renter insurance will help pay for medical expenses, legal expenses and replacement of property in the event of an accident where you are found liable. Your personal liability coverage will protect you, your children and your pets. This coverage extends beyond your home and will protect you in the event that you should inadvertently injure someone, even away from home.
Most basic insurance policies provide for $100,000 in coverage. However, it is often advisable to increase this amount. In the event of severe injury, medical expenses can easily reach and exceed $100,000. Protect yourself to the utmost with a higher limit is always a good idea and won't cost that much
Insurance companies exist to make money. They are not concerned with your needs which include great coverage at an affordable price. Their agenda consists of offering superfluous offers, causing you as a customer to lose money on frivolous items that won’t ever benefit you.
Renting a home is usually cheaper than buying a home. When you rent a property, you don 't have to pay your monthly mortgage dues and you don 't incur expenses on repairing the appliances and home. However, the rent that you pay could increase from time to time. When you have taken a mortgage at fixed rate of interest, your mortgage payment is fixed and will not increase.
The Affordable Care Act, more commonly known as Obamacare, is a new health policy created by the American federal government. Its purpose is to make healthcare more affordable and friendly for the people. Unfortunately in some way that does not prove to be the case. It is becoming apparent that Obama may have made some misleading statements to help get the ACA put into action. The ACA is sprinkled with many flaws that call for a reform such as people’s current plans being terminated, high costs, and at minimum some people’s hours being cut by their employers.
Have you ever gotten hurt and worried about having to go to the doctor and the financial burden it would have on you? Did you ever wish that you could afford healthcare that would cover you and no cost you thousands of dollars? Recently, the US has been considering a Universal Healthcare System to provide all citizens with affordable healthcare. However, they are at an impasse due to the acknowledgment of not just the gains of a Universal Healthcare System but also the burdens it can impose on the US as a whole. The US must address everything good and bad before deciding whether a Universal Healthcare System would be what is best for the US and the people living in it.
In the United States of America, there are millions of individuals that live with chronic medical problems. In which these conditions require some sort of medical attention at least once a month for revaluation, and possible treatment. Thankfully, for the majority of those individuals with their health insurance covers those costs that essentially would cripple their bank accounts. On the contrary, there are millions of people living in the United States, who are uninsured. Even with the implementation of the Affordable Care Act or as it is known by the public Obama Care, there are still individuals who cannot afford the basic needs of healthcare. Health care should not be looked at as a privilege but a right for everyone regardless of their
People will at least once, probably more, have to deal with insurance companies. For many, this typically results in a long, and heated struggle of figuring out what is covered, and what is not. It is also usually accompanied by negotiating something to be covered, and giving justification of why it should. Almost anyone will agree that handling insurance companies is as bad as pulling teeth. This is said to be true even when the medical diagnoses are concrete in the social construct of society. Many insurances will not cover things as dyer as cancer. If this is so commonly believed, imagine how it is for the illness that are not concrete; illnesses such as bipolar disorder, post-traumatic stress disorder (PTSD), and schizophrenia. All phrases that are commonly heard in media, but widely accepted as untrue illnesses, or educated
In my experience as a real estate sales representative, I have looked at many rental properties that are owned by people that are commonly known as slum lords. These units are in disrepair with leaks, mold, mildew, holes in walls, ceiling and poor floor coverings. Many people are afraid of pushing these issues to have repairs done as they might lose their shelter or their rent could be increased. There are people living in a rooms in a house, that are also at risk as they don’t realize they are not protected under the tenant act so the owners can remove them from their shelter without notice. I have also experienced people living in abandoned commercial buildings ...
This article describes the disadvantages and advantages of buying or renting your home. It describes advantages of buying such as taxes and appreciation of the home. However, coming up with a down payment may be hard for many people. Renters may have less cost and more flexibility on when and where they can move to.
Rent. To most people it is associated with an apartment, house, or another object. This word rarely conjures pleasant memories, but more often annoyance and stress. However, when someone mentions rent to me, my mind races to some of the most memorable experiences in my life.
The United States of America is supposed to be the greatest nation on earth. We are supposed to celebrate freedom and praise equality. We are all supposed to have the opportunity to live a nice, long, wonderful life.There are quite a few problems that make the above difficult, to say the least.
People purchase insurance policies to help protect themselves and their property in the event of a catastrophe of loss. If a catastrophe or loss occurs, the person who owns the insurance policy will submit a claim. The person submitting the claim is called a claimant and a claim is basically requesting for the insurance company to reimburse them for their loss. A claims adjuster works with the claims that people file in those situations (Bureau of Labor Statistics 1).
Universal health care is medical insurance provided to all the residents of a country by their government. Out of all the major industrial countries, The United States is the only country without a universal health care system. In 2010, President Barack Obama signed a health care reform law making it illegal to be uninsured in America, which is a major step towards it. Universal Health Care should be mandatory in America because it gives everyone an opportunity to receive more equal care, the overall health of the population would increase and current insurance plans are unaffordable for many Americans.
Health care is one of the most important issues associated with government. Many people have struggled from day one, society seems worried and stressed on how they are going to pay for their medical bills because they do not have the support from the government to help benefit them. The government should take the time to fix the needs of those who cannot afford healthcare. The government claims to issue out 2.7 trillion dollars towards healthcare but the question is raised to why so many people are still in debt when it comes to those paying their medical bills?
Life is full of uncertainties. Risk lurks in every nook and corner of human life. In short, life is unpredictable. We need to be prepared for such circumstances. Leading a happy life, involves good planning and analysis for your personal health. Accidents do happen and you need to be prepared for such situations. In times of high health cost, you need to get covered for health risks.
Insurance is a must have. For one thing, it eases the minds of your future clientele. Put yourself in their shoes; would you want an uninsured person coming into your home, handling your personal articles, and perhaps doing so while unattended in your home? Probably not. Having insurance will put you on top of the list for jobs, as most house cleaners do not carry insurance. The insurance will also give you piece of mind. You will not have to worry about your personal assets being seized in a lawsuit because someone accused you of stealing a family heirloom. Unfortunately, as with many service professions, dishonest people have tarnished the respectability of independent contractors, so you'l...