Will car insurance cover my stuff in the trunk?

What if my car gets broken into and they steal all my CD’s, laptop and tools from my vehicle … Will I be covered?

That is a great question to ask and we here it from time to time from our auto insurance clients.

What do you think?  If you answered yes, then I’m sorry you would be disappointed. Comprehensive insurance covers you if your car is vandalized or stolen. It will not cover the valuables that you may store in there.

But don’t despair, it doesn’t mean that you will never see your favorite CD collection again. Here is a tip that might come in helpful one day:

Consumer Tip: Did you know that you can file a claim on your home insurance policy?  It’s true, most home-insurance policies will cover inexpensive items such as compact discs. Now you can see another advantage of carrying home insurance or renters insurance  in Atlanta. So basically your car becomes an extension of your home in the eyes of an insurance company.

Now here is something that you need to be cautious of. The tip we shared with you covers small and inexpensive items only. If you carry expensive items such as specialized tools or computer equipment, you should seriously consider adding a rider to your home-insurance policy. A set of expensive mechanics tools can easily run into the thousands of dollars.  Here is another tip we recently shared with our readers, remember to take pictures or video your expensive items before they are stolen.

from Chitose renters and home insurance Middletown NY http://www.chitose-i.com/will-car-insurance-cover-my-stuff-in-the-trunk/

Cheap homeowner quotes in Middletown NY

Contact us for a free quote today at Chitose-i.com

from Chitose renters and home insurance Middletown NY http://www.chitose-i.com/cheap-homeowner-quotes-in-middletown-ny/

How does home insurance work?

So how does your homeowners policy work?

There are 3 basic parts to your home policy:

• Structure
• Belongings
• Liability

Structure: This means your 4 walls, your roof and all of the systems inside of it. (electrical, plumbing, HVAC) It also covers any garages or out buildings you may have.

Belongings: This means your stuff

Liability: This means insurance will pay for doctor bills, hospital bills or lawsuits if someone gets hurt on your property.

Talk to your agent about how to get a FREE homeowners quote in Middletown NY.

Contact your friendly Chitose insurance agent today

from Chitose renters and home insurance Middletown NY http://www.chitose-i.com/how-does-home-insurance-work/

More tips for buying homeowners

Few can afford to build there homes from scratch, that is why we suggest an earthquake policy.

Here are a few more tips:

• Do you have an older home? Install smoke detectors and save up to 10%
• Add a security system that is monitored
• Pay off your mortgage and save on your insurance
• Are you over 50? Talk to your agent about a mature policy discount!
• Raise your deductibles.
• Regularly review and compare rates annually!

For a free home insurance quote contact Chitose insurance.

from Chitose renters and home insurance Middletown NY http://www.chitose-i.com/more-tips-for-buying-homeowners/

How to find the best home insurance cover without breaking the bank

Martin Lewis explains how to find the best home insurance cover without breaking the bank.

First your homeowners insurance policy renews once a year.

Don’t make the mistake and let your home insurance automatically roll over with the auto renew otherwise your home insurance provider will be taking you for a ride.

Instead take the time to get new quotes from the competition to ensure you are being treated like a NEW customer.

Do you know if you require property insurance as well as contents insurance?

What is the difference?

Martin uses the analogy of putting some life savers in a glass.

When you turn the glass over whatever falls out represents your CONTENTS that you need to protect:

• TV
• Computer
• pots and pans
• clothes
• furniture

On the other hand the glass itself represents the PROPERTY or the home.

So here is the question?

Do you OWN or rent the place you live in?

If you OWN the home then you will need both coverages.

If you rent then you only need a renters content policy.

If you have any questions contact us for a free quote at chitose insurance.

 

from Chitose renters and home insurance Middletown NY http://www.chitose-i.com/how-to-find-the-best-home-insurance-cover-without-breaking-the-bank/

What does a renters insurance policy cover?

Did you know that 1 out of 3 households are renters!

If you rent, your stuff may not be protected if there is a fire or theft.

Watch this video to learn the importance of having the protection of a Renters policy!

Helpful renters tips:

• Remember that your landlords insurance covers HIS stuff not yours!
• The property portion of your renters insurance policy covers your stuff if it is stolen or destroyed.
• Your liability portion of your insurance covers your back in case someone falls and gets hurt in your apartment.

Get a free renters insurance quote in Middletown Ny

Brought to you from your friends at Chitose insurance

from Chitose renters and home insurance Middletown NY http://www.chitose-i.com/2016/05/17/what-does-a-renters-insurance-policy-cover/

Renters insurance quotes in Middletown NY

Affordable renters insurance in Middletown Ny for less than a dollar a day.

 

If you are renting an apartment or a home in Middletown then listen closely.

Your landlord probably has insurance to cover the house or apartment building that you live in, but if your computer, ipad or flat screen TV is stolen …

You are out of luck.

 

Did you know that landlord insurance covers the landlords property only?

It is true.

It does not cover the tenant’s belongings nor does it cover them in case there is a lawsuit against them.

Renters insurance will replace your property if it is stolen or destroyed in a fire. It also provides liability coverage in case you are sued. Before buying, estimate the value of your belongings.

 

If you have expensive things like jewelry, furs, and computer talk to your agent to make sure that they are covered under a basic policy. Basic renters policies only cover up to a certain dollar amount for replacement value.

You may need a special floater for these items to be fully covered if they are expensive.

Click here for a free Middletown renters insurance quote.

from Chitose renters and home insurance Middletown NY http://www.chitose-i.com/2016/05/16/renters-insurance-quotes-in-middletown-ny/

Cheap home insurance quotes in Middletown ny

Did you know that you can save up to 25% by combining your auto and home insurance policies?

If you just bought a house like Bob in this video then call, click or come by for a free quote today.

Contact us for a free home insurance quote in Middletown NY.

from Chitose renters and home insurance Middletown NY http://www.chitose-i.com/2016/05/11/cheap-home-insurance-quotes-in-middletown-ny/

5 Things About Home Insurance You Need To Know

 

Did you know that your homeowners insurance company can cancel you after making just 2 2-3 small claims?

OUCH!

THANKFULLY there are a few simple steps that you can take to protect yourself right now.

Kiplinger’s Personal Finance magazine shares these tips to help you get the best homeowners insurance at the best price and protect your coverage at the same time.

The most important thing to keep in mind is that many companies really will drop you after making 2 or 3 small claims…

Even if they are only for a few hundred dollars each.

What can you do?

The best thing to do is to raise your deductible to at least a

thousand dollars.

Why is this good for you?

1. It can LOWER your premiums by up to 25 percent
2. It can PREVENT you from making more small claims that could cause you to be dropped.

The NEXT best thing to do is to check out your CLUE report.

Did you know that insurance companies SHARE information with each other through a database?

Make sure your clue report doesn’t have information that could make it DIFFICULT for you to get the best rates.

When is the BEST time to check the CLUE report????

BEFORE you buy the house!

Finally work with a good agent that you can trust!

YOU will find more tips by watching the video above.

from Chitose renters and home insurance Middletown NY http://www.chitose-i.com/2016/05/11/5-things-about-home-insurance-you-need-to-know/