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| A complete inventory of your property can be helpful if you ever file a claim with your Holly Ridge 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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| It is important to select an agent or company representative that takes the time to answer your questions regarding Holly Ridge apartment insurance. Remember, you'll be dealing with this insurance company in case of filing a claim. Renters insurance protects you in case of an unforeseen loss. |
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| One of the most overlooked things that roommates tend not to do is purchase a Holly Ridge apartment insurance policy. The costs are usually quite minimal and certainly worth considering as most landlords’ insurance policies don’t cover their tenants’ belongings and more. |
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| Holly Ridge apartment insurance isn't expensive. A renters insurance policy with a $250 deductible typically costs about $250 a year for $30,000 worth of contents coverage and $300,000 in personal-liability coverage -- which protects you in case you're sued for an injury that occurs in your home. |
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| Do not shop for Holly Ridge apartment insurance by price alone. You want a company that answers your questions and handles claims fairly and efficiently. Ask friends and relatives for their recommendations for a solid company offering renters insurance. Contact your state insurance department to find out whether they make available consumer complaint ratios by company. |
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| A Holly Ridge 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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| News reports of apartment fires often include tragic stories of renters who lost everything because they were uninsured. If you rent an apartment, duplex, house, or townhouse, your landlord´s Holly Ridge apartment insurance policy covers losses to the building, but it does not cover your personal property. To protect your belongings, you need a separate renters insurance policy. Renters insurance covers your personal property and household items in the event of a fire, theft, or other loss. It also offers you financial protection if a visitor is injured in your home. |
