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It's 8:46 am, your running late to work. You rush out the door forgetting to turn-off the coffee pot. At the end of the day, you return to your apartment building to smoke and a firetruck outside. Your neighbors inform you that there was a fire in one of the apartments and no one will be able to stay in the building until the smoke clears. You have no where to go except to a hotel for a few days. To further complicate the matter, you are called by the apartment Manager and informed that the coffee pot in your apartment caused the fire and you are liable. This event could cost you thousands of dollars if you do not carry Renters Insurance. From the cost of the Hotel, the cost of an attorney and the cost to fix the damages to the building caused by the fire.
the common misconception among renters is that they do not have enough personal items to warrant carrying the insurance. However, the primary purpose of Renters Insurance is your liability obligation in the event of damage to the property or injury to a guest.
The typical renter's policy carry the following:
Liability $100,000 - $500,000
Personal Property - $5,000 +
Loss of Use - $1,000 + (typically 20% of personal property limit)
Guest Medical - $1,000 - $2,000
So, what do each of these items mean to you?
Liability - Coverage for accidents and injuries that occur in your home, as well as outside your home that are caused by you, your pet or your property. This does not include auto accidents.
Personal Property - Coverage for furniture, computer and electronic equipment, clothing, CD and DVD collections, your bike, cookware, eating utensils, etc. (these items really add up)
Loss of Use - Covers living expenses if you are forced to live elsewhere due to a covered loss
Guest Medical - Covers medical expenses incurred by an injured guest
So ask yourself, can you afford NOT to have renters insurance? For penny's a day, you can have peace of mind. Not to mention, some apartment buildings are now requiring tenants to purchase Renters Insurance. The average cost of Renter's Insurance is $10 - $20 a month depending on your zip code. Don't wait another day! Get your Renter's Insurance and have peace of mind!
If you live in CA, email me for a free quote at kcook2@farmersagent.com. All other states, visit your local Farmer's agent for a quote.
Angela Sparks
Angela is a genuine, professional Realtor who will listen to your needs and work pro-actively to assist you in achieving your goals. Through knowledge, successful negotiations, and care, she will help you find the best solutions and make the best decisions for yourself and your family.
Representing Sellers, Buyers, and Investors In The Greater Austin Area and San Antonio
Including: Bastrop, Bexar, Comal, Hays, Travis, & Williamson Counties
www.RealTexasAgents.com
Visit her green living blog at: www.livegreeninaustin.com
Visit vintage/historic home information at: www.vintage-austin-homes.com
Angela Sparks
512-762-0923
www.RealTexasAgents.com
Angela is a genuine, professional Realtor who will listen to your needs and work pro-actively to assist you in achieving your goals. Through knowledge, successful negotiations, and care, she will help you find the best solutions and make the best decisions for yourself and your family.
Representing Sellers, Buyers, and Investors In The Greater Austin Area and San Antonio
Including: Bastrop, Bexar, Comal, Hays, Travis, & Williamson Counties
www.RealTexasAgents.com
Visit her green living blog at: www.livegreeninaustin.com
Visit vintage/historic home information at: www.vintage-austin-homes.com
Angela Sparks
512-762-0923
www.RealTexasAgents.com
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Ask Cheryi Merz
Our Network consultant
Our Network consultant
With foreclosures still on the rise, this may be a good time to dispel some myths that distressed homeowners may believe about foreclosure.
Myth #1: You must leave your home as soon as you receive the Notice of Default
FALSE! In fact, this could hurt you by taking away one of the most powerful tools you have to save your home today, the loan modification option. To be eligible for loan modification, you must plan to stay in your home.
Myth #2: If your home has lost value so that you owe more than it is worth, you can’t sell it without bringing money to the closing table.
FALSE! Lenders have always been willing to consider a short sale rather than foreclosure. Despite the overwhelming number of requests they are receiving now, they are still willing. And in fact, if Fannie Mae or Freddie Mac owns your loan; the lender is now required to consider it under the Home Affordable act.
Myth #3: You can save your home by declaring bankruptcy.
FALSE! You may be able to delay matters, but chances are that the lender will petition the court to allow them to continue foreclosure proceedings. An exception may be if you are negotiating a Chapter 13 bankruptcy, if the home is included in the repayment plan. However, if the mortgage payments are the major source of the financial distress, you may do better to pursue loan modification rather than bankruptcy. Consult both your lender and your attorney to assess your individual situation.
Myth #4: You can find an investor to buy your home at short sale and then lease-option it back to you.
TRUE: This may be true, however it is not an option to safely pursue. The lenders are not ok with this. Both the investor and you should be aware that this is considered a fraudulent practice. Don’t add legal trouble to your financial trouble! Lease-option or seller finance may be your only solution for owning a home again within a reasonable amount of time. However, choose another one. The investor who helps with your short sale may be able to also provide another house for lease-option.
For a free report listing ten alternatives to foreclosure, contact me through my blog.
Cheri Merz is a real estate broker and investor in greater Salt Lake City, UT. Access more articles on real estate news and real estate investment strategies at http://www.UtahBelowMarket.com.
Myth #1: You must leave your home as soon as you receive the Notice of Default
FALSE! In fact, this could hurt you by taking away one of the most powerful tools you have to save your home today, the loan modification option. To be eligible for loan modification, you must plan to stay in your home.
Myth #2: If your home has lost value so that you owe more than it is worth, you can’t sell it without bringing money to the closing table.
FALSE! Lenders have always been willing to consider a short sale rather than foreclosure. Despite the overwhelming number of requests they are receiving now, they are still willing. And in fact, if Fannie Mae or Freddie Mac owns your loan; the lender is now required to consider it under the Home Affordable act.
Myth #3: You can save your home by declaring bankruptcy.
FALSE! You may be able to delay matters, but chances are that the lender will petition the court to allow them to continue foreclosure proceedings. An exception may be if you are negotiating a Chapter 13 bankruptcy, if the home is included in the repayment plan. However, if the mortgage payments are the major source of the financial distress, you may do better to pursue loan modification rather than bankruptcy. Consult both your lender and your attorney to assess your individual situation.
Myth #4: You can find an investor to buy your home at short sale and then lease-option it back to you.
TRUE: This may be true, however it is not an option to safely pursue. The lenders are not ok with this. Both the investor and you should be aware that this is considered a fraudulent practice. Don’t add legal trouble to your financial trouble! Lease-option or seller finance may be your only solution for owning a home again within a reasonable amount of time. However, choose another one. The investor who helps with your short sale may be able to also provide another house for lease-option.
For a free report listing ten alternatives to foreclosure, contact me through my blog.
Cheri Merz is a real estate broker and investor in greater Salt Lake City, UT. Access more articles on real estate news and real estate investment strategies at http://www.UtahBelowMarket.com.
Angie Austin
Social Focused Consultant
Angie Austin bio:
Angie Austin born and raised in Germany, immigrated to the US in 1975
Married Bill Austin and is a mother of 3 adult children who where raised in Colorado Springs. Angie opened up a Cleaning Company in 1983 and in 1985 Angie entered the Real Estate field as a Broker Associate. In 1999 Angie became and Employing Real Estate Broker and opened her own Real Estate Company Five Star Realty, she holds her GRI, MRE and SRS. A member of the Realtor Association and a graduate from the leadership class, Angie helped many people to achieve the fulfillment of Home Ownership. Angie believes in the American Dream, hard work, and the broad array of entrepreneurial skills to succeed in today's competitive market. Angie and her husband Bill are proud owners of Healthy Home Consulting LLC. Angie understands leadership; team-building and is techniques smart. As a business owner Angie’s knowledge, that running a company is not a one-man show has moved her into the success field of Shaklee’s Social Network Marketing. Successful leaders know that building team spirit is key to business growth. Angie’s passion and persistence never to be without the Shaklee products are of importance and is one of the skills to her newfound successes as a Shaklee Global Ambassador and Shaklee Business Leader. Angie’s ultimate goal is to educate and teach why Shaklee products are a must want/ must to have in every household. Angie is ready to teach, mentor and coach so the entrepreneurs who join the Austin Team can focus on these skills. Angie brings to the table what is needed to succeed in their entrepreneurial endeavors. Her business plan includes recruiting and developing strong business leaders to their greatest potentials and to become healthy minded individuals. Having an open mindset to a vision of better health, using “Green” household products, and practicing prevention is nothing new to Angie who grew up in Germany.
The role of leadership in business is indisputable. Great leaders like Angie Austin create great businesses and offer great business opportunities when committing to the team.
It takes a team of committed and capable team members to a healthy success and a certain healthy lifestyle. If you are ready to commit, move forward and exercise your freedom to practice prevention for your health and also achieve financial freedom, please give Angie a call at
(719) 229-5477
for a private interview and visit my websites @
www.shaklee.net/healthyhomeconsulting
www.shaklee.net/austinteam
www.InHomeAction.com
Social Focused Consultant
Angie Austin bio:
Angie Austin born and raised in Germany, immigrated to the US in 1975
Married Bill Austin and is a mother of 3 adult children who where raised in Colorado Springs. Angie opened up a Cleaning Company in 1983 and in 1985 Angie entered the Real Estate field as a Broker Associate. In 1999 Angie became and Employing Real Estate Broker and opened her own Real Estate Company Five Star Realty, she holds her GRI, MRE and SRS. A member of the Realtor Association and a graduate from the leadership class, Angie helped many people to achieve the fulfillment of Home Ownership. Angie believes in the American Dream, hard work, and the broad array of entrepreneurial skills to succeed in today's competitive market. Angie and her husband Bill are proud owners of Healthy Home Consulting LLC. Angie understands leadership; team-building and is techniques smart. As a business owner Angie’s knowledge, that running a company is not a one-man show has moved her into the success field of Shaklee’s Social Network Marketing. Successful leaders know that building team spirit is key to business growth. Angie’s passion and persistence never to be without the Shaklee products are of importance and is one of the skills to her newfound successes as a Shaklee Global Ambassador and Shaklee Business Leader. Angie’s ultimate goal is to educate and teach why Shaklee products are a must want/ must to have in every household. Angie is ready to teach, mentor and coach so the entrepreneurs who join the Austin Team can focus on these skills. Angie brings to the table what is needed to succeed in their entrepreneurial endeavors. Her business plan includes recruiting and developing strong business leaders to their greatest potentials and to become healthy minded individuals. Having an open mindset to a vision of better health, using “Green” household products, and practicing prevention is nothing new to Angie who grew up in Germany.
The role of leadership in business is indisputable. Great leaders like Angie Austin create great businesses and offer great business opportunities when committing to the team.
It takes a team of committed and capable team members to a healthy success and a certain healthy lifestyle. If you are ready to commit, move forward and exercise your freedom to practice prevention for your health and also achieve financial freedom, please give Angie a call at
(719) 229-5477 for a private interview and visit my websites @ www.shaklee.net/healthyhomeconsulting
www.shaklee.net/austinteam
www.InHomeAction.com