租客保險的私人物業覆蓋面多少？
租客保險的私人物業覆蓋面多少？
 --> Normal 0 How much Renters Insurance should you buy? Ideally enough to replace all the stuff you have that makes up your life. Clothes, furniture, dishes, jewelry, food, books, recreational toys, etc. Your list will be unique to you. How much insurance you purchase is important but so isnt the type of coverage you purchase and the insurer you purchase the policy from. Basic renters policies will reimburse you for the Actual Cash Value of your damaged property. That means the value of used clothing, used furniture, an old computer. You, on the other hand, will most likely need to replace your damaged property with new items. The difference between new and old is often significant. Make sure whatever limit you buy includes Replacement Cost coverage. Under this type of coverage, you are entitled to claim the value of a new item should you actually replace it with one of similar kind and quality. Of course, the most the insurer will pay will be the limit you select. If you can afford it, that limit should be at least what you would have to spend to replace all those items you could not get along without. Most renters policies provide property coverage on a Named Peril basis. In other words, the policy will state the specific type of damage your property will be covered for. To be covered you have to prove to the insurer one of the covered perils caused the damage, a process not everyone is comfortable with. It is good to have someone on your side when this occurs. Often you cant find that person that sold you your coverage on the phone or over the Internet when you have a claim. Its nice to have a local person to seek assistance from. Watch out for limitations on specific types of property. Youll most likely find one for the theft of jewelry or silver, and jewelry often includes costume jewelry. Some of these limitations can be increased for a nominal premium or your can specifically insure unusual or expensive items. Personal liability coverage will also be provided. That limit should be not less than $100,000 and consistent with limits you might carry on your car insurance.
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