Houses and apartments for rent in Fayette County PA

Houses and Apartments for Rent

By Chuck Seighman
State Farm® agent

Renters Insurance
There are two big myths about renters insurance. One is that it’s too expensive and the
other is that it’s not needed. Not having renters insurance is a pretty big gamble
considering that without it, you face the cost of replacing your personal belongings after
an event such as fire or theft. What’s more, you could face the prospect of defending
yourself in a lawsuit because of some accident for which you might be held legally
responsible, whether it happened where you live or elsewhere.

In many cases, for less than a couple hundred dollars a year you can protect your
valuables, like your furniture and clothes, from loss by fire, theft, wind and water
damage or other covered hazards. But many renters still don’t believe they need such
insurance. A survey conducted by Cambridge Reports, Inc. for the Insurance
Information Institute found that fewer than three out of every 10 renters purchase renters
insurance.

Many renters mistakenly believe their landlord’s insurance will cover their own
belongings. In fact, it would be extremely rare for a landlord’s policy to extend to tenants’
property.

To determine how much insurance coverage you’ll need, take a complete inventory of
your personal items. An insurance agent can help with this by estimating the total value
of your property. You’ll also need to decide whether to opt for depreciated or limited
replacement cost coverage.

Depreciated coverage is the cost to repair or replace your belongings minus
depreciation. Let’s say you bought a quality sofa with an expected useful life of 10 years.
If it’s now five years old and would cost about $1,000 to replace, you could expect to
receive about $500 (less deductible) if your sofa was destroyed by fire. You would pay
slightly more for limited replacement cost coverage, but you could expect to receive
$1,000 for your sofa minus your deductible.

You should also keep in mind that insurance coverage for some types of personal
property is limited in terms of dollars. Renters insurance also gives you personal legal
liability coverage and medical payments to others who are accidentally injured while in
your home or apartment or elsewhere if the injuries are caused by your actions. And, if
you are forced to live elsewhere because of damage to your residence due to a covered
loss, renters insurance covers additional living expenses.

Remember, you may not own the building in which you live, but you still need to have
insurance to protect your property in the case of fire, theft or other hazards.

Advertise your rental property here for only $10.00 per week.
Up to 6 photos ! Click here for details

3 Bedroom Apartments
186 Gallatin Avenue, Uniontown PA, 15401 air furnace, Off street parking, New carpeting and paint ! Architectural details have
been saved, Washer and Dryer hookups in the basement for each apartment. $625.00 per month plus utilities. Call
724-438-6957 or 724-317-9105
Click here to see the photos !

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HOMES FOR SALE in Fayette County, PA

Looking for a Vacation Rental?
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1 Bedroom Apartment in a great in town neighborhood. All utilities and heat except
electricity included. Laundry on premises. $495 call 410-714-1000 Click here to view
more photos

Conveniently located in Uniontown, PA . This lovely one-bedroom apartment with extra loft /office offers
tocovered balcony, eating kitchen, vaulted ceiling in living room, extra-large bedroom, covered front porch, off
street parking and much more! $545 per month. 5 Union St, Uniontown PA 15401 Click here to view flyer