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| Consider choosing a Duval County Area apartment insurance policy that pays the replacement cost as opposed to one that pays the actual cash value of the insured items. A replacement cost renters insurance policy usually costs about 10 percent more. But there are ways to save on insurance. Companies offer a discount to customers who purchase automobile and renter's insurance. A 5 percent discount on car insurance could pay for the renter's policy. Also a higher deductible will lower the premium cost for renter's insurance. |
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| Duval County Area apartment insurance policies have additional benefits. For example, a waterbed liability provision is standard in most renters and condo owners policies. If your waterbed bursts and the water ends up in the apartment below yours, your renters insurance would cover the damage. |
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| When shopping for renters insurance, it pays to shop around. Prices vary from company to company. Through our partner, InsuranceFinder, you will get competitive price quotes. To get Duval County Area apartment insurance, you can call companies directly or access information on the Internet. Your state insurance department may also provide comparisons of prices charged by major insurers. |
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| A complete inventory of your property can be helpful if you ever file a claim with your Duval County Area apartment insurance. Keep a copy of the inventory, along with receipts and photos or a videotape, in a secure place, such as a safe deposit box. These will help prove your losses to the renters insurance company. |
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| A Duval County Area apartment insurance policy covers added living expenses such as motel costs if you´re temporarily displaced from your home or apartment. This "loss of use" coverage is limited to 20 percent of the personal property coverage under your renters insurance policy. For example, if you have $25,000 of personal property coverage, your loss of use coverage would be $5,000. You will be paid up to this limit for the reasonable time required to repair or replace your rented property. |
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| Buying Duval County Area apartment insurance protects you financially and provides peace of mind. When getting renters insurance, it's important to pick a company that is financially stable. Check the financial health of insurance companies with rating companies and consult consumer magazines. |
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| Liability protection is also standard with most Duval County Area apartment insurance policies. This means if someone in your unit slips and falls, you're covered for any costs, up to your liability limit. If this person sues you, you're covered for what they win in a court judgment as well as your legal expenses, up to your renters insurance policy's limit. |
