Why do I Need Condo Insurance Coverage?

Many people think their condominium’s master policy covers them. Fact is, it only covers the condominium structure, common property, and the association against liability lawsuits.

Most master policies cover everything up to the exterior of the building. You are responsible for your interior walls and your personal property.

Before you purchase condominium insurance you should find out what your condo association’s policy covers, then get insurance to cover what’s not. Typical condo insurance coverage includes:

• Personal property coverage – This pays to replace your personal possessions – clothing, furniture, appliance, electronics, etc. – after they’ve been damaged. To determine how much personal property coverage you need, take an inventory of everything you own and use the total value as the amount of insurance coverage.
• Personal liability coverage – This pays for an injured person’s medical expenses and property damage repairs when you’re found to be at fault. It also covers your court costs and legal fees. You should have enough liability coverage to protect your assets in the event you’re sued.
• Loss assessment coverage – If your association does not have enough money to pay for damage to your building, you may have to kick in part of the cost. Check with your association to determine if you need this coverage.

Where Can I Buy Cheap Condominium Insurance?

Condo insurance premiums can vary by hundreds of dollars from one company to the next for the same coverage. In order to insure you’re getting the best rate, you need to get quotes from a number of different insurance companies and compare them.

On this website you can get insurance quotes from A-rated companies in the comfort of your condo. All you do is fill out a simple questionnaire with information about your condo and the type of insurance you want, then wait for your quotes. Once you have your quotes simply choose the best one.

Use our form above to get condo insurance quotes online from top-rated companies and see how much you can save.  Stop approaching 1 or 2 companies, and let them come to you.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on getting condo insurance quotes online.

Source: http://www.articlealley.com/

Your landlord’s insurance only covers the physical building you live in. It does not cover any of your property. You need renters insurance to protect yourself from such hazards as:

• Fire
• Smoke
• Vandalism
• Theft

But unfortunately, finding cheap insurance from a reliable company is not always so easy, until now that is.

Where Can You Get Cheap Apartment or Condo Renters Insurance?

Begin your search for the cheapest apartment renters insurance here. We provide the most comprehensive quotes of any website. There are even other insurance websites where you can complete one form and get apartment renters insurance quotes from multiple companies, but they cannot make the guarantees we can. After filling out a quote request, you just need to:

• Compare the quotes you get
• You may want to double-check the companies to see if they have maintained a reputation for being fair and reliable (we only work with well-known companies)
• Choose the best quote

Save Money On Your Apartment Renters Insurance

As you look for apartment renters insurance, keep these cost-saving tips in mind:

• If you already have auto insurance, see if you can get a multi-policy discount by placing your apartment renters insurance with the same company. You may even get a discount on your auto insurance!
• Check to see if the insurance company you choose offers any discounts you qualify for, such as a non-smoker’s discount or a senior’s discount.
• Check to see if your apartment qualifies for security discounts. Most insurance companies give discounts for security features such as deadbolts, smoke detectors, and burglar alarms.
• Set your deductible as high as you can afford. The deductible is the amount you pay on a claim before your insurance company has to pay anything. The higher you set your deductible, the lower your premium will be. However, make sure you will have enough money to pay the deductible if you ever need to make a claim.

The authors of this article have spent 30 years in the insurance and finance industries, and have written numerous articles on cheap apartment renters insurance quotes.

Source: http://www.articlealley.com/

Obviously, politely asking the owners to not let the dog defaecate on your property is ideal, just explaining how its affecting you–no blame here, but sometimes it just won’t work.  Calling animal control, taking to the pound yourself, calling the police, or other similar groups may be the last straw (check your local leash laws), but may be the only option in some cases to try to stop the vandalism, but may have negative repercussions.

Here are a variety of answers people have submitted, or we have found online.  Obviously we do not endorse these, but some actually work:

7 Funny Ways

1. Spray/dab the dog with skunk scent so when the dog goes home, the owner will get the hint. One or two drops to start.
2. Put up a fake tombstone that reads “Here lies the last dog that pooped on my lawn”
3. Pee around your perimeter since dogs are territorial and will see your pee as marked territory. Try not to kill your own grass
4. Put up an electric fence
5. Throw the dog poo on your neighbors jungle gym, all over their yard, or right next to their house A/C intake fan.
6. Spray the animal with some bad smelling perfume. Again, more of an owner deterrent than a dog deterrent.
7. Politely set it on their front porch as a special heart-warming gift

7 Real Ways

1. Cayenne/black pepper sprinkled around perimeter – Works!
2. Glass jars – Urban legend; may not work
3. Motion activated sprinklers – prob. not a good idea if you have kids
4. Commercial dog repellent for lawns (search PETCO or Google) – Works Sometimes!
5. Combine Tabasco sauce, Garlic powder, and Dawn dish washing soap, and spray this concoction all over your lawn once in a while.  Heck, add some pine oil while you’re at it. Works!
6. Coffee grounds around the perimeter.  Again, the strong smell deters them, and doubles as fertilizer. Sould work!
7. Put up a fence