Tuesday, September 30, 2014
Amanda Bynes' DUI Arrest: What Was She On?? Surprising New Details HERE!
Amanda Bynes' DUI Arrest: What Was She On?? Surprising New Details HERE!
Sep 30th 2014, 14:08, by Perez Hilton
When we first heard Amanda Bynes was arrested for DUI again, we were shocked.
She just moved out of her parents' house; how could she fall off the wagon so fast??
[ Photos: Amanda Bynes Stepping Out Looking Healthy ]
Well, it looks like that may not entirely be the case.
According to the latest reports, the substance Amanda was under the influence of when she was arrested was actually prescription Adderall.
But according to law enforcement, Amanda was "out of it" and failed multiple field sobriety tests; and legally driving impaired by prescription drugs still makes you subject to DUI.
[ Photos: Stars Who Have Been Busted For DUI ]
Worse for Amanda, she's still on probation from her arrest in 2012.
So was this JUST a medication dosage problem?
Unfortunately, we're hearing Amanda really is relapsing outside of her parents' care; she's allegedly off her anti-psychotics and back to smoking weed!
Maybe she just wasn't ready to be out on her own again?
[Image via Ramey Pix.]
Liam Hemsworth Says There's 'No Bad Blood' Between Him And Miley Cyrus! See, Exes Can Be Friendly!
Liam Hemsworth Says There's 'No Bad Blood' Between Him And Miley Cyrus! See, Exes Can Be Friendly!
SO sweet!
Liam Hemsworth is such a gentlemen for never speaking ill of his ex-fianceé, Miley Cyrus --- and now, we know why!
In the October/November issue of NYLON Guys, the hunky actor opens up about his 2013 split with the pop star, and he had nothing but neutral things to say:
"There's not much to say; there's no bad blood there."We love that he's respecting their joint privacy!
[ Miley Cyrus Admits She Still Loves Liam Hemsworth! ]
And maybe it's because he felt so invaded, following their split:
"You never get used to it because you get followed and you get chased and it's never a fun experience. I think when people see photos of you out and about in your personal life, they assume that you've asked for it or that you want that attention, but I don't think anyone in their right mind asks for that kind of thing."There were rumors that Liam and Miles hung out last month in El Lay, so perhaps that's why he's answering questions about her again!
We're not saying it was a reconciliation, but it's nice to know these two can be friendly after all they've been through!
كول كورة بث مباشر: دوري أبطال أوروبا | مشاهدة مباشرة لمباريات اليوم
مشاهدة جميع مباريات الشامبيونزليج دوري الأبطال اليوم مجانا علي قناة beIN Sport جودة عالية HD أتش دي والجزيرة الرياضية 5+ , 6+ مشاهدة مباريات " برشلونة , ريال مدريد , مانشستر يونايتد , تشيلسي , مانشستر سيتي , بايرن ميونخ , بروسيا دورتموند , أرسنال , ميلان , يوفنتوس , نابولي , أياكس , شالكة , أتليتكو مدريد , بورتو , بنفيكا , باريس سان جيرمان , مارسيليا , شاختار , بازل , ليون " UEFA Champions League HD live جميع مباريات الدوري الأسباني حصريا بث مباشر علي قنوات الجزيرة الرياضية HD مجانا بدون تقطيع الجزيرة الرياضية مباشره مباريات اليوم الثلاثاء والاربعاء في دوري أبطال أوروبا .
موقع كول كورة يقدم الي زواره الكرام مباريات دوري أبطال أوروبا ولأول مرة حصريا علي قنوات الجزيرة الرياضية أتش دي بتعليق متميز من الكبار عصام الشوالي , رؤوف خليف , فهد العيتبي , علي سعيد الكعبي , حفيظ دراجي , علي محمد علي وغيرهم من المعلقين في قناة الجزيرة الرياضية الناقل الحصري لمباريات دوري أبطال أوروبا جميع مباريات دوري أبطال أوروبا ستنقل مباشرة علي الجزيرة الرياضية بجودة عالية مجانا وبجودات مختلفة تناسب الجميع
المصدر : مشاهدة مباريات دوري أبطال أوروبا بث مباشر علي بي أن سبورت beIN Sport مجانا Champions League Live | كول كورة بث مباشر
كول كورة بث مباشر: دوري أبطال أوروبا | مشاهدة مباشرة لمباريات اليوم:
Long Term Care Insurance Comparison - John Hancock Long-Term Care
When performing a long term care insurance comparison to select a provider for your business, there are a number of important questions to ask. For example, your long term care insurance comparison will want to take into account the number of years of long term care insurance marketing and administration each carrier has, as well as whether there are centralized resources and a dedicated account team available. Your comparison should also review the Daily Maximum Benefits, minimum participation requirements and coverage for nursing home or alternate care facilities. And of course, your long term care comparison should include the provider’s financial strength and reputation for customer service.
After performing a long term care insurance comparison, many companies select the products and plans available at John Hancock.
John Hancock scores high in a long term care insurance comparison
As a leading long term care insurance company for more than two decades, John Hancock rates highly in any long term care insurance comparison. John Hancock has earned a reputation for innovative products and outstanding customer service when it comes to long term care insurance – a strong advantage in comparison with other providers. CareChoice, underwritten by John Hancock Life Insurance Company, is one of the finest group long term care insurance plans available to employers today. The plan offers flexible, affordable coverage with benefits that cover a wide range of care in settings that include the home, adult day care centers, alternate care facilities and nursing homes.
Several aspects of CareChoice stand out in a long term care insurance comparison:
- An expansive eligible group that can include siblings and adult children
- A broad array of benefit levels to meet the needs of different employees
- Informal care and stay-at-home benefits so that individuals can receive care from people they are familiar with in settings they feel comfortable in
- A choice of inflation provisions that help coverage keep pace with rising costs in long term care
Financial ratings should play into a long term care insurance comparison
Your comparison of providers should include a review of financial strength ratings.
Learn more now about a long term care insurance comparison as well as a long term care insurance rate, long term care insurance cost, along term care insurance policy and other long term care information
*To view our most current financial ratings, please go towww.johnhancockLTC.com. Financial strength ratings measure the Company's ability to honor its financial commitments and are subject to change. The ratings are not an assessment or recommendation of specific policy provisions, premium rates or practices of the insurance company.
Long Term Care Insurance Comparison - John Hancock Long-Term CareHealth Insurance Plan Comparison « Calculator to compare financial exposure with up to four different health-insurance plans
What Will They Really Cost You?
Compare up to Four Plans from your Marketplace or Employer
Compare up to Four Plans from your Marketplace or Employer
With so many variables, comparing health insurance plans — what they’ll end of costing you, total, over time — is really hard. This calculator’s especially good at helping you rule out the bad deals and focus on the better ones. Enter premiums (after subsidies) and other values for the plans you’re considering, then roll over the lines in the graph to see your total outlays.
Refresh your browser if the app does not appear immediately.
Note: This app refreshes periodically, which will remove entered values. (A server issue we’re working on.) Enter your values and adjust various app display settings, then click the arrow icon at the bottom of the app to generate a PDF or PNG (Image) of your results. Or just grab a screen shot on your computer.
An example of how to use this: Why would anyone buy the purple plan here for an extra thousand dollars a year, instead of the green plan, which offers the same or better financial protection? Turn off the blue and orange checkboxes to see that comparison clearly, and zoom the X axis to get a close-up look at how more-typical healthy years will play out.
Health Insurance Plan Comparison « Calculator to compare financial exposure with up to four different health-insurance plansInternational Health Insurance Comparison for International Citizens
When choosing an international health insurance plan for yourself or your family, you are often confronted with a number of different plans which may all look similar, but are all very different and unique - most offering slightly different coverage compared to each other.
Insurance resources moving to InternationalInsurance.com
In order to offer a more comprehensive resource for international insurance options, we are moving the majority of our content to www.InternationalInsurance.com where you can find comparisons of more products and companies in the travel and medical insurance business.
Not only do we offer some of the very best health insurance plans for internationals and expatriates from all around the world, our highly trained insurance agents are on hand to assist you and provide you with all the information to purchase the right insurance plan for you. To get started, we have a range of expatriate health insurance plans that will offer a range of coverage options that should meet most requirements.
International Health Insurance Plan Comparison on InternationalInsurance.com
To make your insurance purchase easier, we have created an online comparison chart (Click to Compare) so you can quickly and easily see all the plans side-by-side, allowing you to evaluate the plans and see the benefits of each against the others. Our online comparison tool does not show you the full plan benefits, so please make sure to view the full policy benefits and exclusions before purchasing your insurance plan.
Resources InternationalCitizens.com
For the next few months, we will maintain the below comparisons for existing customers. With this comparison, you can get an idea of the features and benefits of each plan compared to one another. Please then contact our customer support team, as we will be more than happy to provide personalized quotes and suggestions for your situation.
How to Compare Car Insurance Quotes - Allstate
Getting quotes from auto insurance providers is easy. You can pick up the phone and talk to an agent, or you can get your quote right on the insurer's website. These days, you can get an accurate idea of how much car insurance will cost you just by punching in a few figures on your computer. But once you've got a handful of quotes in front of you, how do you determine which policy will suit you best? Here are a few tips to help you effectively compare car insurance quotes.
Understand that cost isn't everything.
When you first start comparing auto insurance quotes, it may be tempting to base your decision on the "bottom line:" Which policy will cost me the least amount of money out of pocket? Some people don't want to spend too much time shopping for car insurance—and for this reason, price is often the sole determining factor. But, price is not the only thing to consider when you're trying to get the most coverage for your money. If you're really interested in figuring out which auto insurance provider will offer you the best bang for your buck, you have to look beyond dollar signs and pick through the fine details that separate one from the other.
Get all of your information in order.
When you compare car insurance quotes with an eye toward buying auto insurance, you don't want ballpark figures. You want to know exact dollar amounts and precise coverage limits. In order to ensure there's accuracy in the quotes you receive, be ready to provide information like the make and model of your car, as well as all of its safety features. Since you'll also be asked about your driving record, it's important not to omit anything that could change your quote. Likewise, be ready to provide all information about any past accidents you've been involved in and how much money in claims your insurer paid out as a result. Past claims can have an impact on your quote amount.
Leave no stone unturned.
Comparing car insurance quotes isn't always like comparing apples to apples. Sometimes, it can be more like comparing apples to oranges... or apples to baseballs. The fact is, not all car insurance policies are the same, and there are numerous car insurance coverage options to choose from. Failing to conduct a thorough comparison could put you at risk of missing something critical. To prevent overlooking important details, make sure that each quote takes into account the same level of coverage for bodily injury, property damage liability, collision coverage, uninsured motorist coverage and personal injury protection, and then look at the other factors involved in your decision. Never assume that the coverage involved in all quotes will be identical. If you make this assumption, you could find yourself choosing a policy that's missing something vital—like adequate collision coverage or bodily injury coverage.
Take a look at your existing policy for reference.
Not everyone shopping for car insurance has an existing policy. But if you do, prefacing your quote comparison by reviewing your existing auto insurance policy is a great place to start. Are there some levels of coverage you could stand to lower, or do you need more coverage? Is your personal injury protection coverage too low? Use your current auto insurance policy as a measuring stick to determine if you're getting the best coverage for the best price.
Opinions matter.
Getting the opinion of friends, family members and neighbors who have had experiences with different car insurance providers is a good way of narrowing down your choices. When it comes right down to it, there are some insurance companies that are better than others at delivering high-caliber customer service and a speedy claims process. Since these factors can't be compared on paper, it makes sense to dig a little deeper into the "real world" reputation of an insurance company by talking with people who have had first-hand experience. If you're not satisfied with what you've learned by talking directly with those you know, take your search online. You can learn a lot by reading customer comments on discussion forums and social media websites.
Research the insurance company's financial standing.
Just because a worst-case scenario is unlikely to occur doesn't mean it's impossible. Think about what could happen if you insure your vehicle with a provider that's in the process of steep economic decline. It could cause pending claims to be held up indefinitely, or you might even lose coverage if the insurance company in question goes under. Before you pick an insurer, check out the company's credit rating onA.M. Best. It's free, it's easy, and it's the smart thing to do.
Ready to get started? Get a quote on Allstate.com.
Ready to get started? Get a quote on Allstate.com.
Car Insurance Rates: Auto Insurance Comparison | Progressive
It's a standard way to shop: Decide what you want, then price it with a handful of companies.
This is easy to do at Progressive. We compare car insurance rates right inside your quote. And then you know what the car insurance package you created would cost at other companies.
Three big perks of a Progressive car insurance comparison:
We give it to you straight.
Because you're starting from the same coverage package, you're comparing auto insurance based solely on price.
Because you're starting from the same coverage package, you're comparing auto insurance based solely on price.
All the rates are accurate.
That's because insurance companies file their rates with the state—and this information is public. So, we calculate other companies' rates the same way they do.
That's because insurance companies file their rates with the state—and this information is public. So, we calculate other companies' rates the same way they do.
It's a lot faster.
This one's straightforward: There's simply less information to fill in...and it's a single quote versus multiple car insurance quotes.
This one's straightforward: There's simply less information to fill in...and it's a single quote versus multiple car insurance quotes.
The 30+ Best Starbucks Cup Spelling FAILs of All Time
Starbucks baristas have to deal with a lot of information with every coffee order: half-caf, decaf, extra foam, two cups, room for cream, soy, sugar-free, blah blah blah. After they note ALL THESE UNNECESSARY INSTRUCTIONS, they have to decipher your name. That's not so hard, right?
"Skinny chai latte, room temperature, extra cinnamon, two straws, no lid, double fast for Odri." Odri? That's an interesting name, never heard that before. Except for every time a person called "Audrey" introduces themselves.
Starbucks name fails are a way of life, not just for people with hard names to spell, but everyday folks with names like Brian and Melissa who become the hapless victims of weird Starbucks name spellings. These funny Starbucks names range from slight oversights to glaring errors, but one thing these Starbucks spelling errors all share: hilarity (and possibly caffeine). The weird names on Starbucks cups are at times intentional, sometimes sad, but definitely worth having a look at.
What are the dumbest things ever written on a Starbucks cup? What are some funny names people use at Starbucks? Check out this list of Starbucks spelling fails, and you will soon feel a lot better that "E" that got left off the end of your orange mocha frappucino this morning.
If you feel like switching gears and seeing the not so funny side of one of the world's favorite coffee chains, check out the 5 most violent things ever to happen at a Starbucks. No word on whether these incidents involved a store discontinuing the pumpkin spice latte for the season.
The 30+ Best Starbucks Cup Spelling FAILs of All Time
The Best Fox Comedies of All Time
Television has been a vital part of American culture and society since its inception. This list of the best FOX comedies of all time as voted on by men and women just scratches the surface of television. But when you want to laugh, the FOX comedies on this list will do the trick.
From cartoons, to variety shows, daytime soaps, and comedies, television gives us a myriad of programs to choose from. This list includes top FOX comedy series like "That ‘70s Show," "Family Guy," "The Simpsons," and "New Girl." This list can help you find the top FOX comedies, for those nights when you just need a laugh.
Vote up your favorite FOX comedies below, or vote down the ones you can't stand to watch.
The Best Fox Comedies of All Time
Week 3 Photos: Patriots at Chiefs - Patriots - Boston.com
- Tom Brady sits on the bench after he left the game in the fourth quarter after throwing a pick-six interception against the Chiefs to put the Pats in a 41-7 hole, prompting Jimmy Garappolo to see his first NFL action. NEXT
Compare Cheap Renters Insurance Providers Online
Finding the best renters insurance for your needs can be difficult. Whether you're looking for the cheapest premiums, the best customer service, or just great basic coverage, NerdWallet has you covered.
Renters insurance works in much the same way that a traditional homeowners policy does, only without any protection for the actual dwelling itself. It typically covers damage to and loss of personal property as the result of an emergency or catastrophe, as well as liability coverage for personal injury and/or property loss that may be inflicted upon others in the rented dwelling.
It is important for anyone who rents an apartment, condo, or house, especially those who are concerned about the theft of personal property. Additionally, many insurance companies offer discounts on other forms of insurance if the policy holder also purchases a renters insurance policy. For instance, the discount that State Farm offers to holders of an auto insurance policy is actually greater than the cost of the renters policy itself.
Best For Military Members: USAAUSAA offers many benefits to those that chose their renter's insurance. Options for coverage include item replacement, flood damage, earthquake damage, moving and storage, and identity theft. Customer satisfaction with USAA and their renter's insurance is near the top of the industry and should be one of your first choices when choosing the right company for you. Their rates are afforable, customer service is great, and claims processing is done quickly.Learn more  Get a Quote |
Best Rated: State FarmWhen it comes to renter's insurance, State Farm is among the best in the business. They offer their customers benefits such as coverage from theft, weather damage, cost of additional living expenses, and medical liability from injuries sustained on the property. Rates are among the best you will find and customers continue to give State Farm high marks for their claims service and customer service. If you are looking for a quality company for renter's insurance, give State Farm a try. Learn more  Get a Quote |
Best for Low Premiums: GeicoGeico offers a variety of coverage for your personal property such as furniture, clothing, and jewelry. Their policies are written through non-affiliated insurance companies and that is possibly where the trouble comes from. Customers have reported an above average complaint ration concerning the company's claim service. Many complaints exist that they take an excessive amount of time for processing if they cover your theft/damages at all. Geico renter's insurance is cheaper on average than the standard rate it may not be worth the hassle. Learn more  Get a Quote |
Best for Customer Satisfaction: AllstateOverall Allstate is average when it comes to renter's insurance. They offer the standard policy benefits such as reimbursement for your damaged or stolen property and reimbursed for living expenses if your home becomes uninhabitable. Customers have reported helpful and friendly customer service most of the time and afforable rates for coverage. Allstate is a decent company for renter's insurance but there is nothing really of exceptional quality worth switching policies or joining them for the first time. There are better companies out there but if you decided to go with Allstate you would more than likely still be satisfied. Learn more  Get a Quote |
Best Coverage Variety: EsuranceEsurance offers different coverage options for renters such as damage/theft of your personal belongings and off premises coverage. Esurance renter's insurance is average among the group of options available to you. Their rates are standard as are their coverage options. Customers have reported experiencing some delays with claims processing but employees remained helpful and friendly. Esurance should be your third or forth choice for renter's insurance. Learn more  Get a Quote |
Best Renters Insurance for 2014 - The Simple Dollar
I’m focusing on the best renters insurance companies after sharing my take on the best home insurance companies in a previous post. With the growing popularity of renting, I conducted some additional research to determine which companies are the best for renters.
After analyzing several national and local companies, Allstate stands out as the best renters insurance provider.
If you want a free online quote, you can get started right away. Continue reading and I’ll explain why you need renters insurance and discuss the major components of a solid policy.
Here are the 4 best renters insurance providers on a national level:
Selecting Allstate as the best ultimately boils down to three important factors:
- Policy Management
- Coverage
- Cost
Who Needs Renters Insurance?
To put it simply, if you’re currently renting an apartment or home, it’s in your best interest to get a renters insurance policy. It’s easy to get a free online quote and learn exactly what your rates will be. Once your policy is purchased, you then have the assurance of knowing your possessions are protected.
Some people mistakenly assume that a landlord’s home insurance policy includes coverage for your personal property. In most cases, this is not true. Chances are, your landlord’s policy does not cover your personal possessions.
College Students
Needing renters insurance as a college student depends primarily on where you live. If you live in a dorm or a rental unit close to your college campus, there’s a good chance you’ll be covered by your parent’s renters or homeowners insurance policy (assuming of course they actually have one of these policies). The same is not true if you rent a house or apartment off campus.
College Student Living in a Dorm
Many home or renters policies limit your coverage as a college student to 10% of your parent’s personal property coverage. To give you an example of how this might work, if your parents have $100,000 of personal property coverage, as an eligible college student you could receive 10% ($10,000) of coverage for your possessions. The exact percentage you’re eligible for varies from policy to policy, so be sure to verify with your parents before you assume you’re covered.
College Student Living Off Campus
If you rent a house or apartment off campus, get your own policy. The best thing to do is start with a free quote and go from there. As a college student, you might not think your belongings have a lot of value, but just the cost of your computer, cell phone, books, and clothes can quickly add up.
Young Professionals
You may’ve been able to get through college using a couch you found on the street, but
chances are you’ve made some improvements to your standard of living. Maybe you bought a new TV, overhauled your furniture, or upgraded your electronic devices. Along with these improvements, you’ve probably moved into a nicer apartment. According to research conducted by the National Multifamily Housing Council,roughly one-third of apartments in the U.S. are rented by someone under 30 years old.
chances are you’ve made some improvements to your standard of living. Maybe you bought a new TV, overhauled your furniture, or upgraded your electronic devices. Along with these improvements, you’ve probably moved into a nicer apartment. According to research conducted by the National Multifamily Housing Council,roughly one-third of apartments in the U.S. are rented by someone under 30 years old.
Although it’s not legally required, many property management companies that manage multiple complexes in big cities make renters coverage compulsory. Whether it’s a requirement of your rental agreement, or you’re just taking the initiative, protecting your new investments with a renters policy is a wise move.
Grandparents
If you have a grandparent that rents a home or apartment, you should check in with them to make sure they have some protection. Many seniors are retired and living on a very fixed income. If a major incident were to occur, it could be especially tough for them to get back on their feet.
Older adults also have valuable jewelry or family heirlooms they have collected over the years. Some of these items may have more sentimental value than anything else, but it’s still worth it to protect these items with a basic policy.
Choosing the Best Renters Insurance
All of the best insurance companies provide a similar set of basic coverage options. Knowing that you can get the basics covered, factors like price and the ease of policy management start to take on more importance. The following sections dig deeper into these topics and illustrate why Allstate comes out on top.
Policy Management
Managing your renters policy really starts with determining how much coverage you need. This is an important part of the purchasing process that you need to get right.
You don’t want to overestimate your coverage level and pay for insurance you don’t need. But you also don’t want to underestimate and end up in a bad place if you have a major loss.
Many of the best insurance companies provide access to a simple calculator to help you estimate the cost of your possessions. But the online tools provided by Allstate are a step above what much of the competition has to offer.
To begin with, Allstate’s What’s Your Stuff Worth? tool walks you through several categories like clothing, electronics, hobbies, office and living, kitchen, and more. As you progress through each category, the tool shows you images of common items and enables you to specify how many of each item you own.
For example, in the clothing section, you might specify that you have four pairs of shoes and six pairs of pants. Meanwhile, a calculator in the lower right of the screen keeps track of your running total.
Digital Locker Mobile App
Allstate’s Digital Locker app includes several features that help you manage your policy. Perhaps most useful, the app enables you to catalogue your possessions with pictures. You use the app on your smartphone or tablet to take pictures of all your possessions, assign values to each item, and upload the images to your account.
Available on Apple and Android platforms, the app also enables you to:
- Organize your possessions by room, category, or in lists.
- Provide more accurate estimates by using the Google or barcode search (especially helpful if you’re uncertain of the value of an item).
- Take advantage of room and category templates to help make sure you don’t overlook anything important.
Using the Digital Locker app makes it incredibly easy to keep your inventory current and gives you the peace of mind of knowing that if you ever have to file a claim, all the information you need is literally at your fingertips.
With all the tools and resources provided by Allstate, managing your policy is a breeze.
Coverage
In the insurance world, a “peril” is a cause of loss. Most renters policies are listed as “Named Peril” policies, meaning that your policy will identify exactly what you’re insured against.
Some of the most common perils include:
- Theft
- Water Damage
- Vandalism
- Fire
- Smoke
- Lightning
When you get a quote, be certain to review the perils you’re protected against. If you live in an area particularly susceptible to fire or lightning, verify that these perils are listed in your policy.
Types of coverage
All of the best renters insurance companies provide access to four types of basic coverage:
Personal Property Coverage: This includes coverage for items you use on a daily basis, like your clothing, appliances, and furniture, as well as specialty items like your jewelry collection or musical equipment. (You’ll want to look into extended coverage for really expensive items, but more on this later).
Liability Coverage: This portion of your policy provides protection when you are legally liable for bodily injury or property damage that occurred as a result of an accident or incident involving you or another member of your household.
Medical Payments to Others: Covers the medical costs for any house guests that are injured at your residence, regardless of whether you are liable or not. Medical payments could include things like x-rays, doctor’s fees, or hospital stays. It’s important to note that medical payments protection does not cover you or other members of the household.
Additional Living Expenses/Loss of Use: Covers additional living expenses if damage to your home or apartment is so severe that you are temporarily displaced. This could include hotels, restaurants, or other similar expenses. Your policy will specify how long you have access to the coverage.
Nationwide is one company that stands out for offering superior coverage options. InJ.D. Power’s 2013 U.S. Household Insurance and Bundling Study (Renters), Nationwide was one of only two companies to be rated among the best in Policy Offerings.
Extended Coverage
As alluded to earlier, there are a few circumstances where additional renters coverage is worth looking into. Extended coverage (also called a floater policy) is appropriate if you have a particularly expensive piece of jewelry, a valuable stamp collection, or other similar item that has especially high value.
Extended coverage is offered by Liberty Mutual, American Family, and other top insurance companies.
Cost
Similar to what I mentioned in my post about home insurance, the best renters insurance carriers provide access to an online quote tool. Getting a quote really is the only way you can see how much it will cost given your unique circumstances. Many first-time purchasers are surprised at how affordable renters insurance is. Past studies by the Independent Insurance Agents & Brokers of America and Trusted Choice Independent Insurance Agents indicate the average price for $30,000 of renters coverage ranges from $12-$15 per month, while experts at the National Association of Insurance Commissioners suggest you can expect to pay $15-$30 for a policy depending on your level of coverage.
I was curious to see how these numbers held up and got quotes from three different companies using the same renter profile. The quotes were generated for $30,000 worth of coverage, with replacement cost, for a rental unit just outside a major U.S. city. Here’s what the monthly rates looked like:
- American Family: $11.50
- Allstate: $17
- Nationwide: $22.42
These rates are pretty close to what the studies and experts suggest, but rates always vary based on your location.
The bottom line is that you can cover $30,000 worth of possessions for roughly the cost of a large pizza.
As you can see, the difference in price between the providers will definitely add up over time. If you’re looking for the cheapest renters insurance, the best thing to do is to compare quotes from at least two providers.
Discounts
All of the best renters insurance companies offer discounts. The most common discounts include:
- Multi-Policy: Available if you have an auto insurance or other policy with the same company.
- Claims-Free Discount: Available if you haven’t filed a claim over a certain period of time.
- Protective Devices: Available if you have fire or smoke detectors or a home security system installed. Although there are not as many discount opportunities when compared with home insurance, taking advantage of all available discounts can result in big savings.
Factors That Impact Renters Insurance
Similar to home insurance, there are several factors that influence the cost of your renters insurance premium.
Level of coverage: The level of coverage you choose is one of the major factors that impacts the price on your renters premium. The level of coverage you need is going to vary from person to person. The easiest way to determine what you need is by using the estimation tools provided by Allstate and other top companies.
Location: If you live in an area that has higher crime rates or is more susceptible to wildfire, tornadoes, or other natural disasters, you can expect to pay more for your policy.
Deductible: The deductible is the amount of money you pay out of pocket before the insurance kicks in. The formula for deductibles is pretty straightforward: a low deductible means higher premiums; a high deductible means lower premiums. Again, you might be tempted to choose a high deductible, but be sure to choose a level you can realistically meet.
Replacement cost vs. Actual cash value: Most providers give you the option to choose between replacement cost and the actual cash value. If you choose replacement cost, you are covered for the actual cost to replace the item that has been lost. If you select an actual cash value policy, the insurance company covers what the item is worth at the time of the loss. In other words, it would be the replacement cost minus depreciation. Replacement cost is the more expensive alternative, but you won’t regret going with this option if you ever have to file a claim.
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