Do you have homeowners or renters insurance

1) Do you have homeowners or renters insurance? Why or why not? Review the chart 10.1 on pages 336 and 337 (they are attached). Share something interesting you discovered. If you do not have homeowners or renters coverage, how will you replace your items if destroyed in a loss, like a fire?

  • 350 word minimum for discussion posts and 50 word minimum for replies.

2) For full credit please post a reply to this discussion below

I live with my parents, so am not carrying my own insurance for my living situation. But I am aware there are different bundles and coverages available to people. And like car insurance there are different levels of deductible and coverages. I know that we get a good deal on insurance, because we are able to get USAA, which is for military members and their dependents. My granddad was a Lieutenant Commander in the Navy, that’s how we qualify. It is significantly cheaper than other companies.

My parents make sure we have the full replacement coverage. This means if our home was destroyed in a fire or other means, the insurance would cover replacing our home at an estimated value in todays market, not purchase price. We also have additional protections for jewelry and collectibles. If my belonging were to be damaged, our insurance would cover my losses, after our $500 deductible. The more costly and hardest to replace for me would be my shoe collection and a few sports memorabilia that hold monetary value. The other side of home owner’s insurance is to protect ourselves. If someone hurts themselves at our home, we can be liable for their medical bills. My parents friend recently had a very bad fall at her father’s home, but luckily his insurance is covering anything her insurance does not, plus her time missed from work due to injuries.

I know insurance is critical to carry on your home and car. I also know a lot of renters do not carry insurance. I think this is because many renters are just trying to make ends meet, so they see the extra cost, even as low as $40 month, as extra. But like all insurance, it seems extra, until you need it. When I do rent someday, I plan to have insurance. You have people sharing walls and floors with you, so the risk of water and fire damage from another unit, not just your own, is high. I would not have the fund to replace things, should damage occur. I also would not want to be liable for someone else’s incurred injury or damage.

Calculate the price of your order

550 words
We'll send you the first draft for approval by September 11, 2018 at 10:52 AM
Total price:
$26
The price is based on these factors:
Academic level
Number of pages
Urgency
Basic features
  • Free title page and bibliography
  • Unlimited revisions
  • Plagiarism-free guarantee
  • Money-back guarantee
  • 24/7 support
On-demand options
  • Writer’s samples
  • Part-by-part delivery
  • Overnight delivery
  • Copies of used sources
  • Expert Proofreading
Paper format
  • 275 words per page
  • 12 pt Arial/Times New Roman
  • Double line spacing
  • Any citation style (APA, MLA, Chicago/Turabian, Harvard)

Benefits of our college essay writing service

  • 80+ disciplines

    Buy an essay in any subject you find difficult—we’ll have a specialist in it ready

  • 4-hour deadlines

    Ask for help with your most urgent short tasks—we can complete them in 4 hours!

  • Free revision

    Get your paper revised for free if it doesn’t meet your instructions.

  • 24/7 support

    Contact us anytime if you need help with your essay

  • Custom formatting

    APA, MLA, Chicago—we can use any formatting style you need.

  • Plagiarism check

    Get a paper that’s fully original and checked for plagiarism

What the numbers say?

  • 527
    writers active
  • 9.5 out of 10
    current average quality score
  • 98.40%
    of orders delivered on time
error: