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GET A QUOTE If you rent a house or apartment, your landlord’s insurance will only cover the costs of repairing the building if there is a fire or other disaster.You need your own coverage, known as renters or tenants insurance in order to financially protect yourself and your belongings.An umbrella policy kicks in when you reach the limit on the underlying liability coverage provided by your renters or auto policy.It will also cover you for things such as libel and slander.

You can get this coverage from the same agent or company representative who sold you the renters insurance policy. You can either get a separate policy or have it added as an “endorsement” to your renters policy, depending on where you live.A deductible is an amount of money you pay out-of-pocket before the insurance coverage kicks in.Deductibles are available as a specified dollar amount, typically 0, 00 or 00, though higher deductibles are available.The easiest way to determine the value of all your personal possessions—including furniture, clothing, electronics, appliances, kitchen utensils and even linens—is to create a home inventory.This is a detailed list of all of your personal possessions along with their estimated value.

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  1. She must not like me because I’ve seen her three times and we still haven’t had sex yet.” Also, I feel if you are not comfortable enough to sleep with a man after three dates, then you are not really into him and should stop seeing him and give him space to see other women who are comfortable enough to have sex with him.