Author: creative
- Categories: American Heritage
Unlike homeowners, condo dwellers don’t own the building they live in or the land it sits on. Your condo or homeowners association (HOA) will carry a master policy to insure the building and pay for accidents that occur on the property outside or in the common areas. However, your HOA might not pay to repair … <a title="The Ins and Outs of Condo Insurance" class="read-more" href="https://americanheritageins.com/the-ins-and-outs-of-condo-insurance/" aria-label="Read more about The...
- Categories: American Heritage, Condo
What is Condo Insurance? Condo insurance provides coverage for the inside of your condominium; the external areas fall under the jurisdiction of your condo association and must be covered under the association’s insurance policy. Depending upon the specifics of your condominium association’s master policy, your condo insurance may include coverage for: The interior walls Your … Read more
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- Categories: American Heritage, Renters
What is Renters Insurance? Renters insurance provides coverage for your lost, damaged, or stolen personal possessions. It also provides coverage for injuries to another person that might occur in your rented home or apartment. For example, if someone is hurt in your apartment, and the injury is deemed to be your fault, that person can … <a title="FAQ and Answers About Renters Insurance" class="read-more" href="https://americanheritageins.com/faq-and-answers-about-renters-insurance/" aria-label="Read more about FAQ and...
- Categories: American Heritage, Renters
More Americans rent their homes than at any point since the mid-60’s. In the wake of recession, wage stagnation and student debt, the number of renters across the country has soared, and at this point more than 43 million households rent. Student debt is a particular factor here given that, like so many economic concerns, … <a title="How Much is Renters Insurance in 2019?" class="read-more" href="https://americanheritageins.com/how-much-is-renters-insurance-in-2019/" aria-label="Read more about How...
- Categories: American Heritage, Renters
When you’re packing for college, you may be thinking more about clothes, gaming consoles or the perfect laptop than insurance. Whether you’re heading to a campus dorm, renting a house or leasing an off-campus apartment, it’s important to protect your possessions. Don’t make the mistake of thinking you’re too poor to need coverage. Many students … <a title="Do College Students Need Renters Insurance?" class="read-more" href="https://americanheritageins.com/do-college-students-need-renters-insurance/" aria-label="Read more about Do College...
- Categories: American Heritage, Money, Renters
Renters insurance is just like home insurance, only it’s for renters. Whether you are a student or self-employed individual who has rented an apartment, you need renters insurance for many good reasons. The top 5 of them are as follows: It Covers Losses to Personal Property Your personal property and belongings can be lost or … <a title="5 Reasons Why You Should Purchase Renters Insurance" class="read-more" href="https://americanheritageins.com/5-reasons-why-you-should-purchase-renters-insurance/" aria-label="Read more about...
- Categories: American Heritage
Renters insurance covers costs associated with damage to your personal property, personal liability damages, emergency medical expenses for guests and living expenses if your apartment becomes unlivable. However, not every event related to these categories will be covered by your renters insurance policy, as certain events or “perils” are excluded. Before you make a claim, … <a title="What is Renters Insurance and What Does it Cover?" class="read-more" href="https://americanheritageins.com/what-is-renters-insurance/" aria-label="Read more...
- Categories: American Heritage, Auto
According to James Lynch, chief actuary, vice president of research and education at the Insurance Information Institute (III), there are five main factors responsible for frequently rising auto insurance rates. More miles driven. Not surprisingly, the number of accidents is directly related to how much people are driving. “When you go into a recession, a … <a title="The 5 Culprits for Rising Auto Insurance Costs" class="read-more" href="https://americanheritageins.com/the-5-culprits-for-rising-auto-insurance-costs/" aria-label="Read more about...
- Categories: American Heritage, Auto
There are several different categories of auto insurance and each covers a different aspect of your risk as a driver. Liability: If you are deemed at fault in a car accident, liability coverage will pay for repairs, medical costs for injuries suffered by others in the vehicle, plus other expenses related to the accident such … Read...
- Categories: American Heritage
Auto insurance policies are confusing and boring documents filled with legal jargon that can be an absolute nightmare to read. Your policy is a legal contract binding the insurance company to perform specific actions under certain circumstances for an agreed upon price. Insurers want the contract to be as specific as possible, which is why … <a title="How to Read (And Actually Understand) Your Auto Insurance Policy" class="read-more" href="https://americanheritageins.com/how-to-read-your-auto-insurance-policy/" aria-label="Read...