Cost of renters insurance

14 Nov

Posted by Admin as Home Insurance

Don't Waste Time with the Yellow Pages – Get Your Auto Insurance …
It certainly seems to be time to re-assess what’s available in the car insurance line and get yourself up to date on what’s on offer. A short time browsing the internet will get you thinking along the right lines. With the rising costs … read more…

Renters Insurance – Does Your Landlord Cover Your Renters …
The responsibility for a person to be injured while in the house or rent an apartment it is up to you and not as if the owner costs for medical care or legal fees must be paid to Rental insurance is determined there. … read more…

Guidelines For Getting Cheap Motor Car Insurance Quote Online …
These guidelines apply to quote the wise choice, as are the prevailing economic conditions and the car condition factors, the final cost of the insurance. In addition to the above, you may find usefulInformation with online insurance … read more…

From Google Blog Search

Bicycle Insurance – Common Questions Asked
Bicycle Insurance is something of an emerging market, which is surprising when you consider some of the latest carbon fibre framed bikes and wheelsets are worth thousands of Pounds / Euro’s or Do… read more…

Renter’s Insurance, An Important Type Of Insurance To Have
Many think about the auto insurance that you need on your vehicles or the health insurance you need to protect your family or even home owners insurance you will need when you own a home, but have you… read more…

Health Insurance for Your Pet Dog
The word insurance is one of those words that just makes you cringe. Next to putting gas in your car it seems like the biggest expense you have and there is just so much that you need. You need to kee… read more…

From GoArticles.com

Renters Insurance Facts – What You Should Know

Homeowners need home insurance and renters need renters insurance. This video gives you facts about renters insurance that you should know.

Voting Question: We had a fire at our Rental Home today. What’s next?
A cigarette started a fire at my rental home today. I was not home when this happened, so I cannot exactly explain how or why this happened (not to mention I don’t smoke). Needless to say, the fire damaged the deck as well as a small section of the side of the house. I called the landlord immediately after I received the call informing me of the fire and they explained to me that they will not be able to do anything until tomorrow. I have never dealt with a fire before, so I am absolutely clueless as to what comes next. I know I will find out the majority tomorrow, but I have a few questions.
1. Who is liable? Obviously I am the renter, but if I was not home, and I really at fault? The rear of our house faces a very busy road, so the cigarette could have come from that area, but my boyfriend also smokes. However, we weren’t home at the time, so I’m having a hard time believing he may have caused this. Is this something the owners home insurance covers?
2. I work for a Construction Company and could more than likely get the damage fixed at no cost to me or the owner. Is this something an owner would typically accept, or does this usually have to be handled through Insurance?

Overall, I am sick to my stomach over all of this. I want to get the damages fixed (obviously), whether or not I have to pay. Any information is greatly appreciated.

Voting Question: Army husband is on 2nd extended tour & has now decided he wants a divorce.?
This is a 2 part question: I need advice from other military wives that might be going through the same thing and also advice in regards to the military pay he’s receiving and making sure that we, as his family, are taken care of. Please understand that I DO NOT want this divorce and have pleaded and begged to try to work on our marriage. This is NOT just about the money.

How many other Army wives are finding that the men they married are not the same men anymore? My husband was in the IRR and was stop lossed in 2006. (he should have been able to resign his commission in Sept and was stop lossed in Aug and given orders in Dec for a 545 tour) He was home for approximately 7 months before he received another set of orders for a 400 day tour. He is currently in the middle of that tour. I did not know him in college and can only go by what friends and family say regarding the change in him when he came home from active duty the very first time. But what I can attest to is the severe change when he came home last year from the 545 day tour. The obsession with being on the computer, the mood swings, the anger, the nightmares, the anti social behavior. Because he’s a cop, he refused to seek professional help for fear of putting his job in jeopardy. He slowly pulled away from all friends and family. This last April I even found out that he had an “emotional” affair with a woman for months last year. I have spoken to her and it appears she knew very little about his REAL life. She knew only what he told her. From what she says of their relationship, it appears that he often called her to “vent”. They have since ceased all communications as of this past March and so I do not believe that she is a factor in his wanting a divorce. I do not think he will contact her again for the simple fact that when I called her, he knew that whatever lies he told her would be revealed to her. I have since also learned that he belongs to multiple motorcycle forums (which I remember he was always on on the computer last year when he returned home) in which he has fabricated these fantastical lives that he supposedly leads. (this is similar to the stories the other woman said that he told her) He even has multiple screen identities that even talk to each other. This computer behavior is continuing to this day. I know because I secretly monitor them and what he posts. Even overseas, he is constantly on these forums, even several times a day. (just for reference, he calls or IM’s our son for approximately 15 minutes every 3 – 4 days because he is “so busy”) I am not sure if this need to “escape” from their real lives is what causes this and am curious to see if other military wives are experiencing this as well. It’s almost as if he doesn’t want any responsibilities. Last we spoke, when I told him that one of our dogs had a bladder infection and that I had to take her to the vet, his response was .. “don’t you think it’s time to just put her down?” This came from a man whose dogs were a huge part of his life. I am at a complete loss as to how to reach him and help him. I love him and hate that he shuts me out. Even his closest friends look to me to find out how he is doing because he cut them out long ago.

I am not a regular Army wife. When I met my husband, he was no longer active and in fact applying to local law enforcement agencies. So I mostly thought of myself as a cop’s wife prior to his first tour, which was 4 years after we were married. I do not, nor have I ever lived on post. The nearest Army base is hundreds of miles away from us in fact. And so I’ve muddled my way through. During his first tour, I worked full time. Last Dec I was laid off. This was about the same time that he received his 2nd set of orders. I made the decision to move back in with my parents who live about 20 miles away. My husband was not happy with this decision. We rented out our house and currently the money we collect from the renters covers approximately 1/2 the cost associated with our home. (We still have the remainder of our mortgage, the HOA fees, homeowners insurance etc) I have since found part time work, working while our son is in school so that we do not have to pay for child care, to help subsidize living expenses. My husband has always handled the finances. I’ve never even seen a paystub from him. He does cover the remainder of the costs associated with the house which probably total about $2100. However, he says that he can only afford to send me $500 a month for our son and our mastiffs (his mastiffs really as he has told me that he plans to take them from me upon his return). This just doesn’t jive with me – the numbers do not add up. Just for reference, in the California online child support calculator, based upon what I’ve been able to find online on what I THINK his pay may be, he would be required to pay between $1100 – $1400 a month in child support. He is an O-3 and per our housing allowance, the closest city to us would be Oa