We are considering a rental apartment for our stay in Alamosa east. Do we need insurance?
Total Comments: 16
Posted: Mon Oct 18, 2010 09:32 pm Post Subject:
I know exactly what I am talking about.
Maybe so, but how could you even begin to make a misleading statement such as a renter's policy "protects everything." Aside from the fact that an HO4 is a "named perils" policy, not an all risk policy, common items of personal property are routinely excluded, such as Animals, birds, and fish,, motorized vehicles, automobiles, motorcycles, motor scooters, go-carts, golf carts, and snowmobiles (however, wheelchairs, riding mowers, and riding snow blowers are covered),, aircraft and parts (however, model aircraft are covered),, Property of roomers or tenants unrelated to the insured,,
Business records kept at the insured’s property.
So, indeed, coverage for "everything" is just too broad a statement.
Posted: Thu Oct 21, 2010 07:04 am Post Subject:
Maybe so, but how could you even begin to make a misleading statement such as a renter's policy "protects everything."
This is why when people have a loss for their home or auto and find out that something is not covered....they always state "I HAVE FULL COVERAGE..why is this not covered.
-cause you have an agent out there telling people they have the best coverage or a Gold Policy or full coverage.
Posted: Thu Oct 21, 2010 08:05 am Post Subject:
Renter's insurance is very inexpensive and it is a must have item. It isn't worth the risk to go without it.
Posted: Thu Oct 21, 2010 08:27 pm Post Subject:
cause you have an agent out there telling people they have the best coverage or a Gold Policy or full coverage.
Thank you! "Enuff" said.
Posted: Tue Oct 26, 2010 03:45 pm Post Subject:
Max,
Do you actually sell anything?
Posted: Tue Oct 26, 2010 06:14 pm Post Subject:
Sure, Dave, if you're in California. What do you need? Life, Health, Homeowner's, Auto, LTC, Medicare Advatage? An annuity perhaps? Not doing the variable stuff any longer, though, so can't help you there.
Posted: Mon Oct 18, 2010 09:32 pm Post Subject:
I know exactly what I am talking about.
Maybe so, but how could you even begin to make a misleading statement such as a renter's policy "protects everything." Aside from the fact that an HO4 is a "named perils" policy, not an all risk policy, common items of personal property are routinely excluded, such as Animals, birds, and fish,, motorized vehicles, automobiles, motorcycles, motor scooters, go-carts, golf carts, and snowmobiles (however, wheelchairs, riding mowers, and riding snow blowers are covered),, aircraft and parts (however, model aircraft are covered),, Property of roomers or tenants unrelated to the insured,,
Business records kept at the insured’s property.
So, indeed, coverage for "everything" is just too broad a statement.
Posted: Thu Oct 21, 2010 07:04 am Post Subject:
Maybe so, but how could you even begin to make a misleading statement such as a renter's policy "protects everything."
This is why when people have a loss for their home or auto and find out that something is not covered....they always state "I HAVE FULL COVERAGE..why is this not covered.
-cause you have an agent out there telling people they have the best coverage or a Gold Policy or full coverage.
Posted: Thu Oct 21, 2010 08:05 am Post Subject:
Renter's insurance is very inexpensive and it is a must have item. It isn't worth the risk to go without it.
Posted: Thu Oct 21, 2010 08:27 pm Post Subject:
cause you have an agent out there telling people they have the best coverage or a Gold Policy or full coverage.
Thank you! "Enuff" said.
Posted: Tue Oct 26, 2010 03:45 pm Post Subject:
Max,
Do you actually sell anything?
Posted: Tue Oct 26, 2010 06:14 pm Post Subject:
Sure, Dave, if you're in California. What do you need? Life, Health, Homeowner's, Auto, LTC, Medicare Advatage? An annuity perhaps? Not doing the variable stuff any longer, though, so can't help you there.
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