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Renters Insurance Resources Miamisburg OH

Don’t go without renter’s insurance. It took time to collect your valuables. An unfortunate and unexpected event could take it all away unless you were smart enough o prepare in advance with a renter’s insurance policy. Here you will find renter’s insurance tips that will help you get the best insurance coverage at just the right price. Please scroll down for information and access to the local insurance agents in Miamisburg, OH listed below.

Ronnie Redd Insurance Agency
(937) 424-0696
6571 Brandt Pike
Huber Heights, OH
Services
Insurance, financial service, banks

Ohio Bar Liability InsuranceCompany
(614) 488-7924, (800) 227-4111
1650 Lake Shore Drive PO Box 2708
Columbus, OH
Prices and/or Promotions
States/Provinces Served: Ohio

Barney Riesbeck State Farm
(513) 867-8612
5617 Liberty Fairfield Rd
Liberty Township, OH
Services
Insurance and Financial services

Matt Vierk Insurance Agency
(419) 843-4001
5650 W Central Ave Suite AA
Toledo, OH
Services
Insurance and financial services

Paul Gnall State Farm Agency
(330) 273-2550
4336 Grafton Rd
Brunswick, OH
Services
Insurance

Mike Baker Insurance Agency
(937) 878-4851
1920 Commerce Center Blvd
Fairborn, OH
Services
Insurance and Financial services- Bank

Chris Champ State Farm Agent
(513) 858-1301
5409 Dixie Highway
Fairfield, OH
Services
Insurance and Financial services

Premier Solutions Group
(449) 376-0968
15887 Snow Road
Brook Park, OH
Alternate Phone Number
440-376-0968
Services
life and health for all ages

Benefit Builders Insurance Group
(440) 888-0655
8863 Snow Rd
Cleveland, OH
 
Shane A. Miller State Farm Insurance Agency
(614) 864-9554
1704 Brice Road
Reynoldsburg, OH
Alternate Phone Number
614-864-9554

Buying Renter's Insurance

By Julie Fishman

After college graduation, there are often a series of other graduations: Natty Ice to Bud Light; 1990 20” TV to 2007 42” Sony flatscreen; $150 canvas futon to $1,500 leather couch. But what happens to all of that accumulated wealth in the event of lightning or larceny

? It’s a common misconception that a landlord or condo association’s insurance will cover damage to a tenant’s goods in case of a catastrophe. Though the owner’s insurance will pay for structural building damage, it won’t protect personal property. Once you move into your place, you are personally liable for what goes on in the apartment. So how do you handle that responsibility?

The simple solution is renter’s insurance: like a condom, it’s low in cost ($150-300/yr) but high in benefits. Not only does it cover individual belongings, but it gives you a place to crash when your pad is trashed and covers liability in case of any injuries. Candles, robberies, volcanic toilets—the list of possible disasters is not only limitless, but, in the world of post-grad partying, not all that unlikely. Ultimately, $17 a month is a pretty cheap price to pay for peace of mind.

Disasters and Delinquents: What Does It Cover?

Most basic plans cover fire, lightning, theft, smoke, vandalism, and wind/hail storms. Included with some, or offered as an add-on, are damage due to floods, burst pipes, riots, aircraft and vehicles, freezing of plumbing, falling objects, explosions, volcanic eruptions, and weight of snow, ice, or sleet. If you're living in a flood-, hurricane-, or earthquake-plagued area, protection from those disasters may cost additional dinero. You should be able to tweak the plan to fit your needs, but sadly no plan will cover a drunk friend urinating in a Gucci-filled dresser drawer that he thought was the toilet (personal experience…except replace Gucci with Gap).

An Advantage in Adversity: What Does it Do?

  • Shields Your Stuff – Everything from a Dell computer to designer curtains can be covered by renter’s insurance. Pricey possessions, like grandma’s fur coat or grandpa’s Joe DiMaggio rookie card, may require an additional fee.
  • Provides a Provisional Pad – If a fire takes out the wall, you won’t have to relocate to a bench at the bus station. The policy will pay for temporary housing to a similarly priced pad or hotel, usually for up to 12 months until the repairs are made, rebuilding is completed, or a permanent abode is found.
  • Insures Injuries – When a soon-to-be-ex friend slips, breaks her pelvis and sues, renter’s insurance will help pay for medical and legal expenses. Renter’s insurance will not help find better friends.

Penny Wise: How Much Does it Cost?

Premium price depends on a number of factors, such as how much is actually insured, what area the digs are in, if any additional coverage is needed, and what insurance company is used. With no additional coverage, a plan will typically run $150-300/yrR...

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