租客pp王者电子官网储蓄
捆绑租赁和汽车政策 might save enough to cover the cost of your new renters policy.1 但这并不是你省钱的唯一方法. Installing a home security device also may help keep money in your pocket.
列一份清单来确定需求
Personal property coverage is probably the main reason you purchase a renters policy. pp王者电子官网公司将赔偿你所承保的损失, 损失, or theft of your personal possessions up to a certain dollar amount, 所以你要确保你得到了正确的数量.
执行一个 家里的库存 是确定的好方法吗 你需要保多少财产险. Follow this step-by-step checklist to inventory your personal property:
- List each item, when you acquired it and the purchase price or current value.
- Total the amounts of these items for a rough idea of what your property is worth.
- 一旦完成, put your inventory in a safe place away from home - for example, 在银行的pp王者电子官网箱里.
- Consider adding photos to your inventory – it could help if you have a claim.
选择合适的租客pp王者电子官网免赔额
A deductible is the amount you’re responsible for when you file a claim. For example, suppose your covered burglary claim is $10,000 and your deductible is $500. The amount of your claim settlement after applying your deductible is $9,500.
Generally, the higher the deductible, the lower your premium. 然而, 更高的免赔额, the bigger your financial responsibility will be if you file a claim. 选择免赔额时, think carefully about the out-of-pocket costs that you are willing, 并有能力, 支付. Your agent 可以帮助 you determine the deductible that’s right for you.
A deductible is the amount you’re responsible for when you file a claim. For example, suppose your covered burglary claim is $10,000 and your deductible is $500. The amount of your claim settlement after applying your deductible is $9,500.
Generally, the higher the deductible, the lower your premium. 然而, 更高的免赔额, the bigger your financial responsibility will be if you file a claim. 选择免赔额时, think carefully about the out-of-pocket costs that you are willing, 并有能力, 支付. Your agent 可以帮助 you determine the deductible that’s right for you.
额外的pp王者电子官网
You may want more coverage than your renters policy provides. 我们可以帮忙.
通货膨胀的覆盖率
Automatically increases the amount of your insurance coverage on your personal property as inflation changes the cost of living. The changes are based on the movement of an inflation index and are reflected in the premium at each annual policy renewal. This coverage provides payment based on the cost to repair or replace the damaged property at the time of 损失, 如果真的更换了.
个人责任
Provides payment for your legal liability because of bodily injury or property damage caused by an accident to which the coverage applies. In addition, it may provide for the payment of your legal defense arising from these claims or suits.
支付给他人的医疗费用
Pays medical expenses up to the limits in the policy for people who are on your premises with your permission and are accidentally injured from a covered 损失.
关于个人财产的附加条款需要考虑
有限重置成本损失结算
Provides payment based on the cost to repair or replace the damaged property at the time of 损失.
折旧损失结算
Provides payment based on the cost to repair or replace damaged property less depreciation at the time of 损失.
个人财产特别限额
Most policies have maximum limits the company will pay for 损失 to specified types of property (these limits can vary among companies). So, while the Personal Property Loss Settlement 规定 determine the 损失 payment on your personal property, know that special coverage limits apply to certain types of property, 包括
- 船及其他水上设备
- 货币、纸币和硬币(包括收藏品)
- 用于或打算用于商业的财产
- Securities, checks, travelers checks, gift cards, phone cards
- Stamps, trading cards and comic books (包括 collections)
- Theft 损失es of jewelry, furs, firearms, silverware and goldware, rugs, tapestries and wall hangings
If you need higher limits for certain types of property, your 州立农场代理 可以帮助.
1 客户可以选择只购买一种保单, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.
披露的信息
This document contains only a general description of coverages and is not a statement of contract. All coverages are subject to all policy 规定 and applicable endorsements. 欲了解更多信息，请咨询州立农场代理.
Please refer to your actual policy for a complete list of covered 损失es or a complete list of 损失es not insured and policy exclusion.
Actual annual premiums for Renters insurance will vary depending on coverages selected, 承保范围, 免赔额, 还有其他因素. This is only a general description of coverage and not a statement of contract. 承保范围以条款为准, 规定, exclusions and conditions in the policy itself and in any endorsements.