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Originally Posted by mac03
StateFarm is pretty good.
Be sure to get replacement value, not 'actual value'.
Meaning: replacement value means if your 32" TV is stolen, it pays to repalce with a 32" TV. Actual value, Your 2 year old 32" TV is stolen ($400), they pay you $300 cause of depreciation.
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Excellent advice to get replacement value and not actual value. I just recently moved into a new apartment and the boy and I decided to get renters' insurance. Since we both have GEICO for our autos, we called there and they work with a company called
Travelers to provide renters' and home owners' insurance. We have a $30,000 policy with a rider for my jewelry and it will end up costing us $16 a month, which is not bad considering that not only does it replace everything in the event of fire, flood, what-have-you, we are also covered if we drop and break anything. Also, my jewelry rider covers me if I lose a stone or drop a ring down the drain or anything else you can imagine at any time, anywhere in the world. Can't beat that for just over $0.50 a day!
