Posts Tagged ‘liability’

Renters Insurance: The Smart Way to Move

When you think insurance, you think of the following: auto insurance, health insurance, homeowners insurance,  pet insurance, life insurance, farm insurance and even cell phone insurance. Most people hear the word insurance and the last thing they think of is renters insurance. But little does that faction of people know that renters insurance in some areas is not only required to rent a unit majority of the time, but also a very smart bill to add every month.

Coverage of your belongings is very important. Things that mean a lot to you, and things that have cost you a lot. Its hard to get every single thing insured. You may be thinking: well I live in a condo, my landlord already has insurance. This is true, but not on your things—only on the structure it self in most cases.

Protecting yourself is important! Renters insurance protects you from 17 different kinds of peril: fire or lightning, windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, smoke, vandalism, theft, damage by glass, volcanic eruption, falling objects, weight of ice, snow or sleet, water-related damage, electrical sure damage.

You may notice that although this covers almost every kind of disaster that can occur, it missed out on floods and earthquakes. If you live in an area prone to these things, you will need to get a separate policy.

 

If you find yourself victim to one or many of these disasters, you will need to pay for your items first to replace them and then will be able to be reimbursed (a certain amount) after submitting receipts.  When you are selecting insurance, it Is important to be as accurate as possible regarding the value of your belongings.

Like any insurance, your quote will depend on a number of factors. However, in most median cases you will pay between $150 to $300 a year This will get you anywhere from $30,000-$35,000 worth of coverage for personal possessions and between $100,000 to $300,000 of liability.

Rights and Responsibilities

To help you out we have provided a list of questions you should ask and know before requesting services from any mover.  These are your Rights and Responsibilities furnished by your mover as required by Federal Law.

  • What is my mover’s normal liability for loss or damage when my mover accepts goods from me?
  • What actions by me limit or reduce my movers normal liability?
  • What are the dangerous or hazardous materials that may limit or reduce my mover’s normal liability?
  • Should my mover have agents?
  • What items must be in my movers advertisements?
  • How does my mover handle complaints and inquiries?
  • Do I have the right to inspect my movers tariffs applicable to my move?
  • Must my mover have an arbitration program?
  • Must my mover inform me about my rights and responsibilities under the Federal Law?
  • What additional information does my mover provide for me?
  • How does my mover collect charges?
  • May my mover collect charges upon delivery?
  • May my mover extend credit to me?
  • May my mover accept charge or credit card for payments?

Valuing Feedback

After every move Exodus Moving & Storage completes, we will request your input about your moving experience with us. Continuous improvement is the hallmark of our success as a company and we are always anxious to get your feedback on how well we did our moving job.

Competitive and Accurate Estimates

The Cost of relocation is either based on weight or number of men and trucks needed as well as distance traveling. At no charge to you, one of our experienced and courteous Move Coordinators will review their move in great detail and provide you with an accurate move quote. Our Move Coordinator will also confirm requested pick-up and delivery dates.

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Fort Collins

120 NE. Frontage Rd Ste. D
Fort Collins, CO 80524
M-F 8:00am-5:00pm
Sat 8:00am-12:00pm

Littleton

6229 S. Santa Fe Dr
Littleton, CO 80120
M-F 8:00am-5:00pm
Sat 8:00am-12:00pm