 How to get a mortgage with everything working against us.? |
| The house we want will probably cost 300k. This may sound expensive but where we live, you are lucky to find a property this cheap. Anyways my parents have bad credit and we cant come up with 20%. W... |
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 Calling all Landlords?? |
| My landlord is a total twat. He has been on the phone to me ranting today about why was my rent 3 days late this month. I have never been late before, in fact it is usually a day early. I also ... |
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 Should I buy a house right now or pay off credits cards? |
| I live in Mobile, AL where the housing market is about to take off due to new jobs coming to the area. We are not first time buyers but we do not currently own (we are renting a house). We have ... |
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 Is it a good Idea to buy a home right now? |
| With all the subprime mess going on right now, how will this affect my chances of getting into a house with no down. My credit score is 680 but I'm a little weary on how lenders will treat me ... |
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 Anyone got any tips? |
Im going to view a house tonight, what questions do you think I should ask?
Im a first time buyer, buying with my partner.
All tips welcome..♥... |
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 What can be done for first time buyers to make homes affordable? |
| There's a desperate need for cheaper homes for young people. The problem will not go away so what can and should be done.... |
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 Maintenance man allowed to enter apartment? |
| hi, i'm just wondering if there is any kind of "rule" for this kind of thing. i had scheduled for maintenance to fix some plumbing in my apartment for the early evening. i also told ... |
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 Im 17 and been kicked out of my mums house.? |
im in a full time job as an estate agent.
But i dont want to go on the concil i earn more than enough to rent a house but can i rent a house? please ... |
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 How much rent can I afford? |
| I am currently making $10.40/hr as a full-time working 40-hours per week. The bills I currently have are one credit card which I barely use, and when I do, its not more than $100 until I pay it off. I... |
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 We're thinking about moving to California? |
| Any ideas of a decent place to live for a newlywed ? In terms of neighbourhood,apartments,houses,cost of living etc etc. We are open for any realistic ... |
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 My landlord says I owe him much more than the receipts reflect. Are the receipts admissible evidence in court? |
| My landlord had been keeping a running tally of what I owed him on my receipts from the time I moved in (3/06) until the end of 2006. I lost my job at that time and didn't make a payment to him ... |
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 I am about to give a SHADY landlord a 30 day notice. Should I have a witness present to prove she recieved it? |
OR do landlords typically have some sort of reciept for this?
OR should I make another copy for myself and have her sign it?
ahhhh i dont know what to do because she is going ... |
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 Is there a reason why our condo isn't selling? |
| newer development in michigan 3/2.5/2 we have it listed for 24,000 less than what we bought it for, and are willing to sell it for what we owe, the carpet is the only thing that needs to be changed. ... |
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 Are landlords require by law to pay certain amount of money yearly to fix their rented house or aprtments ? |
Additional Details
is an old breaker that is on the house,keeps putting off the electricty , can it cause fire , or be hazzard ?... |
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A | Renter's insurance. are these really needed? |
never used them, but is considering of using them one day. how much do they cost on average per month? |
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Ollie's Mommy
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When I rented I always had renter's insurance. It's not that expensive and if something were to happen I wanted to have the peace of mind that I had something to fall back on to help me out. |
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deevon911
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Its always a good idea to have renters insurance. Specially if you live in an Apt. building. Cause you never know what your neighbors are doing and if they set there apt on fire for example then there goes your stuff too! It covers all your property in your apt. and depending on the insurance company, i think its fairly inexpensive. |
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Deliah
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Without one single doubt they are necessary.
The cost depends. |
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♥Trinity♥
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I only pay $7.75 a month for mine through Nationwide. |
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★♥Gymmylicious♥★
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Think about this: if your apt burns, you get nothing!! Get it!
Keep a list and or pictures and receipts of you valuables. Your insurance company might ask you for these. |
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glenn
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I used to manage rental properties. One day a house burned down and one of the renters was hurt. It was his child's fault that the fire started (left an iron on).
The landlord's insurance company covered the landlord and then filed suit against the renter because the fire was their fault.
If they had had renters insurance they would have been covered and protected and not had a lawsuit. They would have also had coverage for their stuff.
I think it is very cheap but it depends on location, and how much stuff you have. |
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randall m
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renter insurance i pay 140 dollars a year for it. It worth it . |
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Mike
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Renters insurance costs less then 20 bucks a month.
Its a good deal considering it includes liability, so if someone is hurt in your rented home you are covered legally, and also contents coverage, so if your home burns down or is robbed they will pay for replacement of your stuff. |
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pretty granny
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I had renters insurance a couple of yrs, ago but I can't remember the price I was paying.When I bought my house it just switch over to home owner ins. Like any ins. it is better to have than need than to need and don't have. It also cover property I had in storage, and at my daughters house. It didn't cover the same value it would if it had been with me. So consider using it. It is not as high because it is covering your personal possessions only. |
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open4one
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I think they're a good idea. If the building burns down, it covers your contents; the owner's insurance will not. If the building burns down because of your negligence, it will cover your liability. If you bathtub overflows and damages the apartment below, you're covered for that, too. |
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sharmel
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The only kind of "renter insurance" I can think of would be insurance against some really extensive damage to the property of the renter, that the tenant was obviously responsible for, involving a significant amount of money - like, running into hundreds of dollars, perhaps even thousands.
Irresponsible tenants often do plenty of damage to the property they are renting. It's the Landlord's nightmare. But for the most part that is what the deposit is intended to cover, and since you cannot force anybody to take out "renter insurance", if that irresponsible tenant does more damage than the deposit covers, it would only add to the landlord's costs to try and take him to court. That tenant very probably hasn't got anything anyway.
A truly responsible and considerate tenant, may feel he wants to cover himself against something so exceptional that it caused extensive damage unintentionally. Like maybe an exploding pressure cooker that demolished the whole kitchen for example. (I did that one time while living overseas - steaming snails in the pressure cooker) Being a responsible tenant I had the whole kitchen put back "like it never happened" which did cost about three thousand dollars.
But it would entirely depend on the general habits, lifestyle and behaviours of the tenant, whether he might think it was in his best interests to take out insurance to cover the unexpected, and expensive accident. The insurer would have to evaluate all the factors and design a coverage policy for that particular individual based on that evaluation. |
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david m
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For the cost, use the web at one of the major insurance companies. |
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Beatrice C
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It is well worth the low cost. If you live in an apartment complex, sometimes the careless actions of another can ruin all of your personal belongings,such as a fire. The premiums are very affordable. You can call any insurance agent to find the correct amount of coverage you need. Remember the building/home is covered but not your personal property. |
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stepup1895
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do you mean like for landlords...if so, yes, it's worth it. |
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will
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depends on how much you want it to cover |
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bhappy
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Cast would depend on what U own. |
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