This is my 2nd attempt at getting an answer...Should I pay $13 a day for rental insurance?
361940
yeah that would  be a good idea, in case anything happens to it, you'd be sorry if you totaled the car and had to pay more than you have to pay for insurance.\n\nP.S. ...I'm a nice guy;)
351725
Fuel - unfortunately my credit card was declined last night when attempting to fill up - good thing I get paid today - and I have other cars with gas in them.\n\nMilk - I have GOT to stop drinking out of the carton\n\nPet Products - This is ridiculous.  If they could just stop pooping...\n\nLaundry Detergent - Do I *really* need my towels to be "snuggly soft"?\n\nTech Support - This is why I started my own business.  I can guarantee I am the most affordable in my area, if not anywhere.\n\nChildren - No explanation necessary.\n\n16 Piece Family Meal With 4 Sides and 4 Medium Drinks - That crap cost me $40 bucks!  Do chickens pay taxes?!\n\nPrinter Ink - Costs almost as much as the printer itself.\n\nInsurance - Why should I pay out the a$$ for something I'm never going to use?!\n\nCDs - It's just going to cause more piracy.\n\nMovie Theater Snacks - How the hell do they justify charging $4.00 for a chili dog?!
940221
The homeowners insurance will pay for everything.  It's why as a home owner you carry insurance, just have your boss call his agent and explain that he and his friend were doing some roof work or hanging lights whatever and then give it to the emergency room.  he should carry at least $100,000 worth of coverage, and tell him his rate won't jump so not to worry.  Get your hubby fixed up and split the deductible.  Everyone's happy.
510629
First off, you get what you pay for and secondly, if it seems to good to be true then it probably is. I would bump up to COMP and COLLISION as well in my opinion. I would also ask the agent for a copy of the policy itself , called a specimen policy, and comb through it very carefully. It will spell out what you will and won't be getting in the policy. If you are comfortable then yes, go for it. Be advised , anything not covered by the policy  in theory could be charged back to you. I work for an insurance company and have seen people lives ruined by not having enough or the RIGHT TYPE of insurance. Bad things do happen to good people. I hope this helps.
818369
1.Rental per day: $19.50, let’s call this “Rd”\n2.Charge per mile traveled: $0.26, let’s call this “Cm”\n3.Total payment: $39.00; let’s call this “Pt”\n4.Total miles traveled: “X”\n\nSo, the equation should be: Total charges ($39) minus the Charge per day (19.50) and the difference dived by the charge per mile.\n\nThat is: X = (Pt – Rd) / Cm\n\nTherefore, X = (39.00 – 19.50) / 0.26\n\nWhich is: X = 19.50 / 0.26 = 75\n\nSo the driver put seventy-five miles in one day.
1153997
Whoa, dear one, which planet are you from?  The rent covers your portion of living there, your use of electricity for the TV, Cable and the Internet fees, computer, DVD players, CD players, the printer, Monitor, the Speakers.  The furniture upon which you sleep or sit.  How about the food you eat or the clothes you wear, or the materials you need for school?  \n\nPaychecks don't go too far these days.  Gas has gone up tremendously in the last couple of months.  Phone, gas, electricity have all gone up and in some states have doubled because of municipal, city, and local taxes have been added.\n\nUnfortunately after all that, they just might be right.  Definitely was that way for me.\n\nMy son started collecting all the old newspapers in our apartment complex.  Collecting the soda cans tossed at our football games and saving up the plastic containers at home.  It was work, sure, but he was getting almost $20 bucks a week.  Darn sharp I say.\n\nHope this gives you a bigger picture on what may be happening with you.  Good Luck with how you chose to deal with your situation.
375986
in our state you would not have to pay rent until the problem was fixed.\ndeduct for every day problem persists.
1151958
Try the company that has your home owners insurance or renters insurance
100788
DramaGuy is almost right.  A claim doesn't always increase the premium of the policy.  It depends on the type of claim and the company.
891250
contact your insurance company for this bonding.......unsure of cost,,, area, amount of employees and coverage desired...
199949
I am going to assume, that you are not a licensed childcare provider. The going rate is (in my area) is $5 per hour or $25 per day....That is what most people are charging. I charged $4 per hour or $20 per day. For occasional sitting services. If it was a regular part time arrangement (less than 25 hrs a week) then I charge $60, for full time(over 25 hrs week) I charge $85 week. You should also set a drop off time and pick up time...and you can charge extra if they get picked up late. This will prevent people from using and abusing your good rates...Trust me if they can squeeze 15 min of free child care out of you everyday they will.  \nAlso, make sure you have some sort of written contract/agreement releasing you from liability of injuries etc unless directly related to child neglect or abuse, if you have animals in the home, be sure to include a section that protects you if one of your animals causes injury. State your opening and closing policies in there, policy on sick kids, days off, vacations theirs and yours. Put a lot of thought into it and make sure you and your assets are protected. Good Luck:)
913036
Okay.  To be honest, this is a question that the Condo-owners Association normally doesn't understand themselves. The answer to your question, lies in the Condo. Assn. Documents. It's in the "doc's" under headings, like "Insurance Requirements" or some similar verbage. Now the "doc's" can be some 300 or more pages, so a little investigation is necessary.\n\nYou should go to a large, well known property insurer for the state of New York. It may cost a couple of bucks more a year to do this, but believe me, It's worth it if you have a claim....Ask the agent for a "Condo-Owners Policy". Now, I am assuming that you own the condo. If you are a renter, then the whole story changes, but...\n\nThe HO-6 Condo policy, will cover, pretty much, whatever the Condo Association policy doesn't, as far as, your property. From, floor and wall coverings to the comforter on your bed, though these are separate parts of the HO-6 policy. The policy is broken down into 5 basic coverage sections.\n\nA - Building Items (Kitchen cabinets, floor & wall coverings,sinks, Vanities, Etc..)\n\nB - Other Structures ( Sheds, Fences, etc...)\n\nC - Personal Property (From your best pair of shoes, to your toothbrush)\n\nD - Additional Living Expense ( If your house is too damaged to live in)\n\nE - Personal Liability ( Anything, legal, that you might be "legally liable" for. This coverage also includes "Medical Payments to Others" coverage, if someone slips and falls at your home, or the like.\n\nThe coverage you purchase, will normally be based on the "Coverage A Limit". So if it would only take $50,000 to rebuild the inside of your condo, you may only get $25,000 for "Personal Property" coverage. If you need more, it can be purchased.\n\nWas that a long answer to a short question?\n\nGo find a good local agent, and make him /her explain the coverages. If they can't do it, you might just want to keep looking......You could already know more about it than them.
214213
That depends on the rest of your personal finances. Personally when renting I wouldn't (or should I say didn't) go above $650. That income, why rent at all? Believe it or not our morrtgage is less than what we were renting our townhouse for. Look into both options and decide what is best for your lifestyle.
423326
It depends on if you are single or have a family. Assuming you are single if you work for a company that offers it probably about $80 to $100 a month. If you buy your own policy probably about $500 - $600 per month
649800
i dont' have homeowners insurance but i do know that my landlord only charges me enuff rent to cover hers and i live in louisiana...it's $250
353785
Yes, usually.  How much depends on how long you stayed and how good the service you received, but usually up to five dollars per day is more than enough.
793094
Hi, your friendly insurance guy here again. :)\n\nLong, but hopefully informative, post.\n\nLet's get the ugly bit out of the way first:\n\nTerm is cheap, Whole Life is expensive.  Whole Life pays an agent or broker more commission because it costs more and generally is given a higher percentage commission than Term products.  I mention this because there are a lot of people who hate Whole Life products and think the people who offer them are sleazy.  Thus, I am putting that bit out here right in front to satisfy the Whole Life Haters. :)\n\nHere's how Term Works:\nYou buy it for a specified period of time (typically 1, 5,10,15,20,25 or 30 years).  When that period, or TERM, is over, you can usually renew it yearly at a vastly increased cost until you reach a particular age.  The age at which you can no longer renew vaires by insurance company.  If you live past your TERM and have not renewed, your family gets nothing and you have lost all the premium money you spent (unless you have a "Return of Premium" rider, which not all companies offer and which is often extremely expensive to add).\n\nHere's how Whole Life works:\nYou buy it now.  It stays in force typically as long as you pay your premiums.  The payments stay the same forever; ther eis no "holy crap the renewal cost is insanely higher than last year."  It develops a cash value over time and in many cases the face value of the insurance goes up as well.\n\nThis, by the way, is the fallacy of all those people who say "the insurance company keeps the cash value when you die."  That's not exactly accurate.  As long as the cash value is in the policy, the typical function of it is to pay for additional face value of the insurance.  So yes, while you don't get a check for the cash value when you die, your death benefit will be larger than the original face value of the policy, making it generally a wash.  If you have had the policy for a very long time, the policy owner comes out ahead in many cases.\n\nThe cash value is NOT, NOT, NOT an "investment." That term is reserved for certain other things, like mutual funds.  It can be called a cash accumulation vehicle or a savings vehicle.  It is NOT an "investment."\n\nThe downside to Whole Life is that it costs a LOT more than the same face value of Term insurance - at least, in the short run.  If you buy a 20-year term policy for $100,000 at age 25, start renewing it annually after it runs out at age 45, and compare your lifetime costs, the Term policy will absolutely kill your wallet.  The Whole Life policy in the long run costs a LOT less than constantly renewing an old Term policy.  This does NOT mean Whole Life is for everyone.  It's only appropriate in some situations and for certain clients with specific needs.\n\nSo which one is the best?  This is the part where I hope folks who are shrieking "But...but Suze Orman told me to buy term and invest the rest" realize I am not some commission seeking scumbag:\n\nIT DEPENDS.  There is no "off the cuff" answer.  To know for sure which is the best for you, your specific situation needs to be evaluated.  Contrary to what other folks may say, I do recommend using an agent.  I do that because I am one and I treat clients properly.  If you go to an insurance company directly, you lose the benefit of having a local contact.  And guess what?  Generally life insurance companies are NOT going to give you a discount because there's no agent involved.  They charge the same and keep the commission money themselves.\n\nSo talk to an agent.  Talk to several.  Find one that you are comfortable with.  The agent should be focused on doing a full evaluation of your specific needs.  Be careful with anyone who says:\n\n"Buy Term and Invest the Rest." (they have a preconception of what's right without wanting to consider your case may not fit their mold - ask if they are willing to conside