Sentences with phrase «than the property coverage»

Some people consider this part of the renters insurance policy even more important than the property coverage.

Not exact matches

The 15 percent estimated reduction in the XC60's claim frequency under property damage liability coverage is smaller than HLDI reported in its earlier analysis.

Under collision and property damage liability coverages, the seven electric vehicles with exact conventional counterparts had lower claim frequencies and higher claim severities than their comparison vehicles.

People who already have coverage are viewed as better risks by most landlords because they've taken steps to protect themselves and their property, and are statistically quite likely to treat the property better than those who don't have the coverage.

This protection is, of course, at replacement cost, meaning that you get the coverage you need to replace things that suffer a loss at retail, rather than the actual cash value of the property.

If your drone is worth more than the policy's basic dollar limit, talk with your independent agent about purchasing additional personal property coverage for your drone.

You'd also have coverage for your personal property on your Oak Park renters insurance in the event of a fire, but it's more than fire insurance.

Remember that personal property coverage generally contemplates the cost to replace the property at retail with an item of like kind and quality, so you should consider coverage amounts in that context, rather than in the context of actual cash value.

Personal property coverage on renters insurance is often at replacement cost, rather than actual cash value.

Home insurance for rental properties is in general cheaper than for owned properties because of the limited coverage this type of insurance typically provides.

If you have full replacement coverage for your personal property, your insurer should pay for a new 42 - inch flat - screen TV (even if it costs $ 300 more than the comparable model you purchased eight years ago).

So it follows that for less than three beers a week, you can have $ 15,000 of personal property and $ 100,000 of liability coverage.

Fifty years ago, it would have been more common to insure crops than to insure personal property, but with the rate of change, there's now a real need for people to have coverage.

Even when it's not required, Effective Coverage recommends coverage and can help you protect yourself and your property for less money than your daily cup of coffee!

Since you're only covering the contents, or your personal property, flood insurance for an apartment is much less expensive than coverage for the structure would be.

You might think of the coverage in terms of your personal property, and that's an important element of it to be sure, but there's so much more to your policy than that.

Replacement cost coverage is standard, so if there's a property loss, you'll have enough coverage that you'll be able to replace those items at retail, rather than worrying about the actual cash value of the items.

Personal property coverage is generally at replacement cost, so you get the money you need to go buy new property rather than the actual cash value.

For less than twenty dollars a month, you can protect your personal property, as well as get liability coverage in case your fire impacts someone else's life.

Your belongings are likely worth much more than you might think, and if they're damaged or lost, our personal property (home) coverage will help you cover the cost of replacing them.

Another education opportunity is to help tenants understand additional benefits of renters insurance other than liability and personal property coverage.

Types of home insurance policies discussed here refer to the type of property or situation covered rather than the type of coverage or the amount of coverage for which that property or situation enjoys.

Even if you increase the coverage to account for new personal property and if you add an umbrella, it's still more than affordable.

Renters insurance in Portland is usually about fifteen dollars a month, and covers your interests fully as well as offering liability coverage if you cause bodily injury or property damage to someone other than the landlord — like your neighbor, or someone you hit while riding your bike in this lovely bike - friendly city.

Renters insurance for a 3 bedroom house will probably involve more personal property coverage than another policy might.

Having renters insurance is about more than just having the coverage you need in case you were to start a fire that damaged property belonging to someone else.

Learn how Carbondale renters insurance does more than just replace your personal property, and why that coverage is so important!

Renters insurance in South Carolina is quite inexpensive, often less than in other states, and if you need to increase the personal property coverage or the liability coverage you'll find it generally adds only a few dollars a year.

We believe that everyone should have replacement cost coverage, because the actual cash value of your property is generally much lower than you'd expect it to be.

Irving Renters Insurance might require endorsing on coverage for different types of personal property than a policy in McKinney.

If you own a lot more property than when you first purchased your policy, you may want to increase your coverage.

If you need renters insurance because it's cheaper than the other options, or because you're worried about the risks to your property or for liability coverage, just call [phone] or click to get covered - whether you need Texas renters insurance quotes online or coverage anywhere else!

Generally your policy will come with replacement cost coverage to ensure that you'll be able to go buy a new item rather than having to settle for the actual cash value of your property.

After collecting data from four major insurance carriers for a sample 45 - year - old rider and policy (bodily injury protection of $ 100,000 per person / $ 300,000 per accident and $ 50,000 in property damage coverage), we found that quotes for the most expensive place were 34.7 % higher than the cheapest.

Replacement cost coverage is more expensive than actual cash value because your policy will pay to restore your property to new should it be damaged, while actual cash value accounts for depreciation.

If you need $ 50,000 of personal property coverage, obviously your policy will be priced differently than someone with only $ 15,000 of coverage.

This has different coverage limits than a landlord insurance policy; it will cover personal property loss (for instance, if you're furnishing a room for rent) but doesn't cover things like «damage caused by continuous or repeated seepage or leakage of water or steam.»

In most cases, it's far less than your personal property coverage limit.

If you neither knew, nor should have known about it before discovering the mold, and made a valiant effort to fix the problem as soon as possible, than the endorsement mentioned earlier will provide some coverage for your personal property.

It's more than just personal property coverage and liability coverage, however.

If you want to drive in Fresno, you're advised to purchase at least a 15 / 30/5 car insurance policy: $ 15,000 in coverage for injury / death to one person, $ 30,000 for injury / death to more than one person, and $ 5,000 for damage to property.

@BrianHall: To be clear, the numbers you give are in line with many state minimums for liability coverage, but most car insurance companies do push higher coverage limits (commonly 250K / 500K / 100K for per person / per incident person cap / per incident property damage), and the incremental cost of the higher coverage is often much less than the cost of the basic coverage (it's not paid out often, and electing it demonstrates responsibility, which they like in their insured).

If you have more than one detached building on your property or an updated garage, you may need additional coverage above and beyond the standard 10 %.

«Many people are under - insured because the total value of their personal property is more than the personal property coverage in their policy,» Bodrozic says.

They do have very good coverage of Asia, with a higher proportion (18 %) of their properties in the region than many American chains.

Successfully represented a group of property and casualty insurers in a coverage and bad faith lawsuit in Houston, Texas, in which the insureds sought more than $ 100 million for alleged business interruption losses, costs associated with defense of toxic tort suits, Superfund project costs, and bad faith damages, all arising from the insureds» operation of a California landfill deemed to have polluted a key source of drinking water for the Los Angeles area.

Successfully represented property insurer in trial of coverage and bad faith dispute involving claims for more than $ 30 million in damage for mold and other contamination of apartment complex.

In other words, while insurance laws in Florida only require property liability and personal injury protection, it's always a good idea to carry more coverage than the minimum requirement.

David started his career in 1996 at the firm of Swift, Currie, McGhee & Hiers where he gained more than 10 years of valuable and extensive experience litigating insurance coverage and property damage disputes.

Successfully represented a property insurer in a coverage and bad faith dispute involving claims for more than $ 30 million in damage for mold and other contamination of apartment complex.