Your landlord's insurance doesn't cover any theft or damage to your personal belongings. Johnson Insurance agents will assist you in protecting your personal property from damage and theft with renters insurance. The value of your personal property can add up quickly. As an independent insurance agency, we partner with top insurance companies offering renters the best options and competitive pricing.
You may also wish to safeguard yourself with renters' insurance liability coverage. We can help protect you from liability claims and lawsuits if others experience accidental injury or damage to their property while in your apartment, loft or flat. Additionally, liability coverage for adult children is very important to have when they return home or are living with family or friends.
Personal Inventory Tip: Document what you own with photos or video and keep these records in a secure off-site location, such as a safe deposit box or talk with your agent about other inventory options.
In the experience rating process, each loss is divided into a primary and excess portion. The first $16,500 of every loss is determined as a primary loss, with everything above that point considered an excess loss. In July 2011, the NCCI announced a proposal
Your Experience Modification Factor can be explained as follows: The mod is a ratio of actual losses to expected losses over a 3 year period If your actual losses are more than expected, then your mod is over 1.0 If your actual losses are
Finance Your Home Renovation with a Home Equity Line of Credit Perhaps your family has outgrown your home or you're dreaming of a spacious master suite or gleaming new kitchen. Maybe you need an in‐law suite to accommodate aging parents (or boomerang
Insurance is one of those things you tend to get and forget—until you have to make a claim. And that's exactly the wrong time to find out your coverage is inadequate. In general, you should review your insurance coverage once a year, or whenever
As we reflect on 2018, we want take this opportunity to thank you for your continued partnership.We wish you and your family a very prosperous new year.