19 questions about renters insurance you’re too embarrassed to ask
1. Wait … renters insurance doesn’t cover my actual apartment?
Nope, it covers the stuff in your apartment …
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. OK, I get it. So I just order some renters insurance and all the stuff in my apartment is covered?
No — this is insurance we’re talking about, and, as with all policies, there are coverage limits. With renters insurance, those limits come in two forms. There’s an overall limit, specifying how much money your policy pays out in total and there are individual limits on things that are super-expensive.
5. 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.
6.OK, but then the policy pays full-price for the covered items? That depends. There are two types of renters insurance policies.
7. 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.Just so you know, renters insurance is actually pretty cheap. In most states, a basic policy costs less than $20 a month. Again, though, how much you pay is affected by how coverage you need, which is based on how much you own.
8. Oh man. 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 possessionsolicy pays full-price for the covered items?
9. 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.
10. And the insurance company just accept my estimates?Save receipts, log serial numbers and take plenty of pics. Again, a solid home inventory app can help, but, if this all sounds very daunting, no worries.
11. 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.
12. What do you mean ‘a peril’? Perils are the incidents renters insurance covers. They typically include some weather (hail, wind, lightning), fire, electrical surges, explosions and water damag
13. Right. So you’re saying there are incidents my renters insurance won’t cover?Yes, there are exclusions
14. Wait … renters insurance covers injuries? 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.
15. Ah. How do I know exactly what my renters insurance covers? By reading the policy closely, of course!
16. Sure. What about bed bugs? Will my renters insurance policy pay if I get bed bugs? Sadly, no, bed bugs aren’t covered by your renters insurance
17. 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.
18. But wait … 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.
19.Speaking of gaming the system … say I lose something outside of my apartment. Can I just tell my insurer it was stolen and, you know, call it a claim? OK, well, lying is wrong. And insurance fraud is, you know, a thing, so it’s always in your best interest to stay honest. Having said that, renters insurance actually covers your stuff when it’s not in your apartment. Say, your tablet is stolen from your car
Boating with infants or young kids? Here are some great safety tips and reminders before you head out to the open water.
BOATING SAFETY TIPS
Wear a Life Jacket
Infant Appropriate Life Jackets
Keep Little Kids Warm
Don’t Rely on Swimming Aids
Childproof Your Boat and Develop Some Basic Rules
Learn From the Professionals
1. Enroll older kids in a boating safety course. Better yet, enroll with them.
2. Get a vessel safety check every year for free from the U.S. Coast Guard Auxiliary or U.S. Power Squadrons. For more information go to www.uscgboating.org and click “get a free safety check.”
Use Your Best Judgment
1. A large portion of boating accidents that occur each year involve alcohol consumption by both boat operators and passengers. To protect your safety and loved ones around you, it is strongly recommended not to drink alcoholic beverages while boating.
2. We know you have a million things to do, but learning CPR should be on the top of the list. It will give you tremendous peace of mind – and the more peace of mind you have as a parent, the better. Local hospitals, fire departments and recreation departments offer CPR training.
3. Make sure there’s a working carbon monoxide alarm on any motorboat to alert your family to any buildup of toxic fumes from the engine.
4. Let your teen operate a boat only in a supervised setting and in adherence to the laws in your area. Laws regarding the operation of a boat or watercraft vary from community to community.
Teach Your Kids the Difference Between Open Water and Pools
Actively Supervise Kids In and Around Open Water
Home. A place for meals, family celebrations…it is your family’s castle.
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Best Auto Insurance scores
Here are some scores from an independent study done by Auto Insurance Reviews
Progressive Auto 7.6 overall score
Allstate Auto Insurance 7.2 overall score
AAA 7.1 overall score
USAA Auto Insurance 7.0 overall score
Erie Insurance 6.7 overall score
American Family Insurance – Auto Insurance 6.4 overall score
Is your company rated here?
If you have any of these companies other than Progressive
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Drowsy Driving Awareness from New York State Dept of Health
Drowsy driving is dangerous and often results in injury or death. Falling asleep at the wheel or the inability to pay adequate attention while driving may be a result of being sleep deprived. The National Highway Traffic Safety Administration (NHTSA) estimates that every year there are 100,000 drowsy driving crashes reported to police costing $12.5 billion.
When Is It Most Likely To Happen?
Most drowsy driving crashes happen at predictable times. We are most likely to feel fatigued, and our risk of being involved in a drowsy driving-related crash increases between 1 pm and 4 pm and 2 am and 6 am.
Who’s At Risk?
According to the National Sleep Foundation, 51% of adults reported that they have driven while drowsy, and 17% reported falling asleep at the wheel in the past year. Working late night shifts, taking care of young children, or managing hectic schedules can all be risk factors for drowsy driving. In addition, those who stay awake through the night, such as those who are working, driving, or students who stay awake studying for an exam, are at an increased risk for being in a crash.
Warning Signs of Drowsy Driving
Yawning, inability to keep eyes open and head raised, not remembering the last few miles traveled, drifting out of the lane, or hitting rumble strips are all indications that a driver should pull over in a safe area to nap or switch drivers.
What Can Be Done?
If you begin to feel drowsy, find a safe rest area to pull into and take a nap. This is more effective than opening the window, turning up the radio, or using caffeine to stay awake. It takes approximately 30 minutes for caffeine to take effect, and the relief is temporary. If fatigued after a shift, try to find a quiet place to sleep before getting on the road or ask someone to pick you up.
Getting Better Sleep
On average, Americans have a sleep cycle that requires 8 hours of sleep. In today’s fast-paced world, it can be difficult to get adequate sleep; however, we all need to make this a priority. Maintaining a healthy lifestyle helps to promote good quality sleep. The following can improve sleep quality:
Regular exercise — promotes sleep when done at least 3 hours prior to bedtime.
Avoid alcohol, caffeine, and nicotine around bedtime — alcohol increases the number of nighttime awakenings while caffeine and nicotine act as stimulants, which disrupt sleep.
Consistent sleep patterns – waking up and going to bed at the same time daily, even on the weekends, encourages healthy sleep.
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TEN TIPS FOR TEENS
Congratulations! You have officially joined 200 million other people across the U.S.
Here are a few tips to help you have fun and stay safe
1. OBEY ALL TRAFFIC RULES
2. SLOW DOWN! Speeding is one of the leading factors in fatal crashes involving young drivers
3. KEEP YOUR CAR IN GOOD RUNNING SHAPE
4. WEAR YOUR SEATBELT
5. AVOID DISTRACTION. Keep your eyes on the road. NO TEXTING, NO CALLING, NO EATING
6. ADJUST YOUR ACCESSORIES. Seat and mirrors
7. DON’T TAILGATE
8. BE PREPARED. In case of accidents or breakdowns. Know where your important documents are and have an emergency kit.
9. WATCH THE WEATHER
10. DON’T DRIVE UNDER THE INFLUENCE