我真的需要租客pp王者电子官网吗?
You’ve followed your renters guide and it’s time to move in.
你的家具已经放好了. Your utilities are hooked up, and your rental unit is starting to look like a home. 租客pp王者电子官网是你下一步要做的事吗? 如果你的回答是否定的，那么你并不孤单. According to the Independent pp王者电子官网 Adjusters & Brokers of America (IIABA), almost two-thirds of residential lessees in the U.S. 不要携带租客pp王者电子官网.
Yet, a renters policy is more important, accessible and competitively priced than you might think. 在某些情况下， 房东要求房客投保. But renters are often unclear about what renters insurance is, what it covers, 多少钱?，以及他们需要多少钱. 不知道你是否需要租客pp王者电子官网? 问自己这些问题:
- 我的东西值多少钱?
- If they were lost in a 火 or destroyed by an accident, could I buy them all back?
- What would I do if someone were injured in my apartment and made a covered claim against me?
- What if I were found legally responsible for damages to someone’s property?
租客pp王者电子官网包括什么?
租客pp王者电子官网包括什么?
In short, renters insurance covers what you own. Most landlords’ insurance covers only the building and damages due to negligence. Coverage for some of the most common causes of property damage and loss, 比如盗窃, 故意破坏财物及纵火, 完全由你决定吗. Without renters insurance, you may have to bear the financial burden of a loss on your own. 你们能赔偿下列损失吗?
事故
车辆的影响, 坠落的物体击中你的财产, 火, 烟, 水从管道或电器损坏
天气的影响
雪的重量, 雨夹雪, or ice; lightning, 暴风, 冰雹, and water damage from freezing of plumbing systems
其他恶作剧
Vandalism, theft, riots or civil commotion, aircraft and vehicle damage
失去使用
When your home is uninhabitable from a covered loss, this coverage provides additional living expenses for the shortest time needed to repair (or replace) the premises, or for the people in your household to settle in another home for up to 24 months.
Special coverage limits apply to certain types of personal property, including:
- 船及其他水上设备
- Money, bank notes, and coins (including collections)
- Property used or intended for use in a business
- Securities, checks, travelers checks, gift cards, phone cards
- Stamps, trading cards, and comic books (including collections)
- 珠宝被盗损失, 皮草, 枪支, 银器和金器, 地毯, 挂毯, 墙上的挂饰
Most renters’ belongings cost more than you think. Take a moment to add up the approximate cost of your computer, 电视, 立体声, 家具, 珠宝和服装.
Renters insurance also covers much more than just your personal property, like liability coverage. 也就是说，如果发生pp王者电子官网损失, your insurer will help cover the costs if you’re held responsible for injuring another person or damaging another person’s property. Moreover, this coverage applies whether the incident occurred within your residence or elsew在这里.
我需要多少租客pp王者电子官网?
评估你的负债
Your renters policy’s liability coverage may protect you if someone injures themselves in your home. It may also protect you in case you cause damage to others’ property. Some policies will pay for legal fees and medical bills for covered claims in addition to settlement costs. The typical renters insurance policy offers $100,000 in liability coverage. 对于租房者来说，这个数额通常已经足够了. 然而, 如果你经常有客人来你家, 或者你的东西更值钱, you should consider an amount of insurance equal to at least the total value of your assets.
租客pp王者电子官网不包括的东西?1
Keep in mind that your policy will exclude certain perils:
- Property damage to your buildings, roof, and siding (these are covered by your landlord)
- Water damage caused by flooding or underground water
- Damage caused by earth movements, such as earthquakes and landslides, or caused by nuclear hazard.
租客pp王者电子官网选择
A renters insurance policy may not cover all you need covered. You might want to consider additional policies. We offer numerous options for an additional premium.
个人责任保护伞政策
宠物医疗pp王者电子官网
可选的租客pp王者电子官网范围
身份恢复地震破坏