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Follow the link to read about a life insurance policy
Car insurance covers a car. Homeowners insurance covers a home. Life insurance covers your life (more or less). So, one would assume renters insurance covers the apartment you are renting …
1. Wait … renters insurance doesn’t cover my actual apartment? Nope, it covers the stuff in your apartment …
2. Why? Umm, well, accidents happen. And stuff is expensive. So, say, a pipe bursts and the leak destroys your furniture or a thief breaks in and steals your laptop. If you have renters insurance, you won’t have to replace all that stuff out of pocket. You can file a claim and get reimbursed for damaged or stolen possessions.
3. You mean my landlord’s insurance doesn’t cover me? No, your landlord’s homeowners insurance protects the building. It covers, say, structural damage to the apartment itself. But your stuff is … your stuff. It’s up to you to insure it.
4. You mean items over a certain dollar amount?More like categories of stuff. So jewelry, collectibles, furs, musical equipment, firearms, art, gift cards, checks, electronics — insurance companies generally set limits for those items. You might only get up to $1,000 back on, say, a $5,000 ring — though you can purchase a rider for extra coverage. Oh! — and there’s usually a deductible. That’s insurance-speak for how much you’ll pay before your policy kicks in.
5. OK, but then the policy pays full-price for the covered items? That depends. There are two types of renters insurance policies. If you have an actual cash value policy, your insurer covers the actual cash value of your stuff, but — and it’s a big but — that’s the actual cash value of the item today, not how much you threw down for it originally. Now, if you have a replacement cost value policy, the insurer covers the cost of repairing or replacing the item at its current price. No depreciation to worry about.
6. So a replacement cost value policy is better than an actual cash value policy? Well, it pays out more, for sure, but it also costs more (in the form of higher premiums), so you’ll need to assess the value of your things, decipher how much coverage you need and, ultimately, consider the trade-off
7. How do I figure out how much my stuff is worth? That’s actually easier than it sounds, thanks to technology. There are quite a few websites and home inventory apps out there that help you log, price and track the value of your possessions. You can also go ahead and take inventory via an old-school Excel spreadsheet. The method doesn’t matter as much as you actually going through the process.
8. Why do I need to inventory my stuff? Well, so you know how much coverage to buy. (To give you some context, people commonly opt for $25,000 in personal property coverage and $300,000 in personal liability coverage with a $250 deductible.
9. Is that all renters insurance covers? Stuff? No, actually! Some policies also tout additional living expenses, like hotel stays and even meals if you can’t stay at your apartment as a result of a peril.
10. Renters insurance covers injuries? We meant to mention that earlier: Most renters insurance policies also cover certain personal liabilities in addition to property. For instance, if someone has an accident at your place, your policy pays for their medical bills or your legal expenses in the event said person sues. Renters insurance can also cover damage you accidentally do to someone else’s apartment. Like, say, you overfill your bathtub and water leaks into the unit directly below. (Whoops.)
11. Will renters insurance reimburse whatever my landlord takes from my security deposit? No. Your security deposit is the insurance against any damage you do to your apartment.
12.My landlord is requiring renters insurance because I have a dog. Isn’t that to cover damages to the apartment? So most renters insurance policies cover pets under the personal liability portion of your policy — meaning if you disclosed Fido’s existence to your insurer and he bites someone, you’re covered when it comes to medical expenses and legal fees.There’s also something called a pet damage rider offered alongside some renters insurance policies. And while it will pay for carpet Fluffy ripped up or the blinds Socks destroyed, that coverage only kicks in once you’ve exceeded your security deposit (or pet deposit or deductible — whichever is the greatest).
So call FLOREY INSURANCE AGENCY 570-587-2615
It might seem like the peak of summer, but fall is right around the corner. That means flu season if right around the corner too!
Manufacturers have started shipping the flu vaccine, and that means its time to get yours before the rush in the later months. Here are a few pieces of Information about the Influenza vaccine.
Why should people get vaccinated against the flu?
Influenza is a serious disease that can lead to hospitalization and sometimes even death. Every flu season is different, and influenza infection can affect people differently, but millions of people get the flu every year, hundreds of thousands of people are hospitalized and thousands or tens of thousands of people die from flu-related causes every year. Even healthy people can get very sick from the flu and spread it to others.
How do flu vaccines work?
Flu vaccines cause antibodies to develop in the body about two weeks after vaccination. These antibodies provide protection against infection with the viruses that are in the vaccine.
Who should get vaccinated this season?
Everyone 6 months of age and older should get a flu vaccine every season. This recommendation has been in place since February 24, 2010 when CDC’s Advisory Committee on Immunization Practices (ACIP) voted for “universal” flu vaccination in the United States to expand protection against the flu to more people. Vaccination to prevent influenza is particularly important for people who are at high risk of serious complications from influenza.
Where can I get a flu vaccine?
Flu vaccines are offered in many locations, including doctor’s offices, clinics, health departments, pharmacies and college health centers, as well as by many employers, and even in some schools.
What are the benefits of flu vaccination?
While how well the flu vaccine works can vary, there are many reasons to get a flu vaccine each year.
- Flu vaccination can keep you from getting sick with flu.
- Flu vaccination can reduce the risk of flu-associated hospitalization, including among children and older adults.
- Vaccine effectiveness for the prevention of flu-associated hospitalizations was similar to vaccine effectiveness against flu illness resulting in doctor’s visits in a comparative study published in 2016.
- Flu vaccination is an important preventive tool for people with chronic health conditions.
- Flu vaccination has been associated with lower rates of some cardiac (heart) events among people with heart disease, especially among those who experienced a cardiac event in the past year.
- Flu vaccination also has been associated with reduced hospitalizations among people with diabetes (79%) and chronic lung disease (52%).
- Vaccination helps protect women during and after pregnancy. Getting vaccinated can also protect a baby after birth from flu. (Mom passes antibodies onto the developing baby during her pregnancy.)
- A study that looked at flu vaccine effectiveness in pregnant women found that vaccination reduced the risk of flu-associated acute respiratory infection by about one half.
- There are studies that show that flu vaccine in a pregnant woman can reduce the risk of flu illness in her baby by up to half. This protective benefit was observed for several months after birth.
- And a 2017 study was the first of its kind to show that flu vaccination can significantly reduce a child’s risk of dying from influenza.
- Flu vaccination also may make your illness milder if you do get sick. (For example a 2017 study showed that flu vaccination reduced deaths, intensive care unit (ICU) admissions, ICU length of stay, and overall duration of hospitalization among hospitalized flu patients.)
- Getting vaccinated yourself also protects people around you, including those who are more vulnerable to serious flu illness, like babies and young children, older people, and people with certain chronic health conditions.