If you are one of the millions of people who rent an apartment, you should seriously consider getting apartment insurance. Do you think your landlord’s insurance will protect you if there is a fire, flood, earthquake or theft? Think again. Your landlord’s building insurance will not replace any of your personal items. Your landlord’s insurance only protects him and his building. Think... 

Thinking about insurance For nearly all consumers, a home or apartment represents a large investment. But suppose your home is robbed or damaged by a storm. Purchasing insurance can protect you from such unpredictable losses. For your information, or in the event of a loss, it is a good idea to make a list of your personal property, including the original cost. Also, maintain... 

Anyone who has ever forgotten to apply sunscreen knows it’s a good idea to take precautions during the summer even while at play. But for those who wade into the season unprepared, a nasty sunburn can be the least of their problems. Many summer-related activities pose risks of injuries or damages that can be expensive for those without an adequate insurance policy. For example, traveling abroad without... 

Rental property fire insurance covers the dwelling and all personal effects against fire, smoke, wind, and vandalism damage. Some of the types of damage that are covered include: collapse, explosion, fire, hail, lightening, smoke, vandalism, weight of snow and ice, and windstorm. If the unit is unfit to rent due to loss, the coverage will reimburse the owner for fair rental value of the lost rental...