Why You May Need a Renter’s Insurance Attorney

If you’re like me, you’ve recently moved into a new apartment. As a student, having my own apartment is a huge upgrade from my tiny dorm. An apartment allows me to spread out, and now I can host multiple people at my place instead of just one or two. The best part is that I have my own kitchen — no more dorm food for me!

Of course, having my own apartment brings its own problems, too. Signing a lease can certainly be a nerve-wracking experience, especially with all the stories of people getting screwed over by their landlords. There’s also a lot more responsibility associated with renting an apartment — and one of those things is renters insurance.

If you’re looking to rent an apartment in the near future, renter’s insurance is certainly something you should think about. Normally the process of obtaining renter’s insurance is usually pretty quick and painless, but sometimes you can have issues with the company you’re getting the insurance from. In these instances, you should contact a renter’s insurance law firm like Smith Kendall, PLLC. Find out what they can do for you below!

What is Renter’s Insurance?

Renter’s insurance is an insurance policy that contains some of the same benefits of homeowner’s insurance but without the coverage of the dwelling or structure of the property. With renter’s insurance, your personal property will be covered in instances of fire, theft, or vandalism.

Renter’s insurance is significantly less expensive than homeowner’s insurance because it is simply meant to protect your personal property and not to insure the actual property. The owner of the building — which isn’t you since you’re renting — is responsible for the property, but not your personal belongings.

While I mentioned my own apartment earlier, you don’t have to have an apartment to be eligible for renter’s insurance. All you need is to be renting your property — no matter if it is a condo, apartment, or a house!

Why Would I Need an Attorney?

You might be asking yourself, “Why would I need an attorney?” Hopefully, you never need one, but if you do — it doesn’t hurt to know of one! Sometimes, in the event that something happens to your personal property — like a fire, theft, or vandalism — your insurance company may not honor your claim.

The company may outright deny the claim, underpay you the amount that you’re owed, or delay your coverage. You’ll also have to speak with representatives who assess the damage — remember, they’re loyal to the insurance company — not you.

Losing your personal items can be a huge financial blow — you’ll want to get the coverage you need as soon as possible. An insurance company is more likely to respond to your needs if they know you are represented by an attorney — as they wish to avoid any substantial legal action.

Don’t hesitate to contact an attorney if you need one — it will get you closer to getting the coverage you deserve!

Dog Bite Prevention 101

Going to the park is one of the most relaxing ways to spend the summer. There’s something for everyone at a park. The kids have a playground, the adults can unwind under a tree with a good book, and dog owners can let their dogs play and bask in the sun.

Even though there are parks that are designed just for dogs and their owners, most people aren’t going to object to a dog playing fetch with their owner. And, since most dogs are social, other people passing on by might even get to pet a couple of dogs on their way home. Most dogs welcome the attention and belly rubs, but a few aren’t quite as friendly.

A nervous dog can react in a few different ways. Some might tuck their tail between their legs and cower behind their owner, and others might bark and take a defensive stance. Other, more aggressive dogs might jump on the stranger and bite them. Even people who know these dogs personally can be victims of an unprovoked attack.

A lot of dog bites happen to people who are friends or neighbors of the dog’s owner. Even children can be bitten if the dog is aggressive enough.

Dog bites can be minor, barely even bruising the skin. They can also be severe, causing major damage to the victim. In addition to breaking the skin, causing bruises, and being incredibly painful, dog bites are also full of bacteria.

Dog bites, like any other animal bite, can be a vessel for disease and lead to major infections. Without immediate medical attention, what seems like a minor injury can cause serious health issues.

Of course, going to the hospital can be expensive, and bills can pile up for the victim. The owner of the dog should almost always be held accountable for this, as their dog was the one that caused the injury.

Before the victim makes this claim, though, they should be sure to go through the right channels to make certain that they will not be blamed for their injuries.

Lawrence & Associates, a Cincinnati-based firm specializing in dog bites, can help the victims get their expenses covered so that they can quickly be on the path to recovery. The owner of the dog will usually defend their dog’s actions and say that the dog felt threatened at the time of the attack.

There are a lot of different factors that can make or break their statement. They have to be able to prove that the dog was threatened, and a victim who has a lawyer specializing in animal attacks can help show that the attack was unprovoked.

While no one wants to think about the repercussions the dog faces in the aftermath of the attack, any consequences that happen are for the best. A properly-handled case will not only give the victim the settlement they deserve but will also help keep public areas safe for anyone who wants to spend a day at the park.

Anxiety Anyone?

I’m convinced that The Villages is one of the best places to live in Florida.  I was hesitant about living here, but once I got here, I knew that it was where I was meant to be.  There’s so much to do and so much to see. I’ve also come to love the change in weather, especially as someone who is from the North and therefore used to much more snow and colder temperatures.

Even if I consider this place a paradise, I can’t help but feel like it could be a bit dangerous.  I don’t know if anyone who lives here feels the same way, but sometimes thinking about all the traffic in the streets gives me anxiety.  I’m sure the community does all that it can to keep people safe, and it’s not even that I feel like I will be harmed – I just sometimes think of all the winding roads and can’t help but wonder what might happen.  Am I really as safe as I seem? Is there anything I could be doing to protect myself? Would I feel better if I was more prepared?

Car accidents can sometimes yield the highest fatalities out of any other motor vehicle disaster. In fact, there are more than 395,000 accidents that occur in Florida.  Our area isn’t necessarily more susceptible; it’s just something that I can’t stop thinking about recently. What would I do if something happened to me? How could I be sure that I wouldn’t have to move away again because of all the hospital fees?

I was wondering if anyone else felt this way.  It seems to me that just because nothing bad has ever really happened in my life before that I shouldn’t be prepared for it.  I’m starting to realize that if something were to happen to me, I wouldn’t know the first place to start.

I came across this link when I was searching for The Villages Car Accident Lawyer.  I wanted to make sure that I had all my bases covered and that I would be okay if something ever did happen to me.  There’s a lot of information about how to ensure that I would be compensated if I were hurt and how a lawyer could help me if I ever did need one.  I thought that this information might be helpful to other people because knowing that I had help if something ever happened definitely gave me peace of mind.

Everyone should do their own research when it comes to disasters like this. I would want to know who I could call if something ever happened to me.  I would also want to make sure that I could help my loved ones and friends if they were ever in trouble. All I have to think about is the 395,000 accidents in Florida a year to make me realize that it’s never a bad idea to have a plan!

A Not-So-Fun Description of My First Job

We all have horror stories about our first job. Some people have had terrible managers, others have had a tough time getting adjusted to the work life. I had a great boss, and I adjusted to the work-life well. My problem was that my job was very physically demanding. Drum roll please: I was a landscaper on a farm.

The term “landscaping” describes an almost endless amount of services. As this article by Ware Landscaping explains, landscaping services include design, maintenance and renewal, and drainage problems to a yard. Of course, the results of landscaping are great. A properly planned and maintained yard makes the home look that much better. Trust me, I know, because when I showed up to the farmhouse on my first day, I was scared for what might be in store for me, but when we finished the work, the place looked great!

I will never forget my first day on the job. I pulled up on the roundabout in my black Toyota Highlander. The farmhouse itself was magnificent: it was a massive, white structure with two stories, a balcony, and a breezeway. Though the home itself was beautified, I quickly realized why my services had been requested. The land was uneven, there were tree branches throughout the yard, the gardens were not properly maintained, and the grass in the lawn was halfway up my knee.

My boss directed me to the back of the house, and I was instructed to pull weeds in a garden adjacent to a massive pool. There I sat, for the next eight hours, pulling weeds by hand in the hot, summer sun. I sat on a yellow bucket and placed the pulled weeds into a second bucket. When the second bucket got full, I would make a long walk, (probably the length of a football field), to dump the weeds into the back of our truck so we could dispose of them at the end of the day. I did not even get halfway finished with the garden I was told to pull weeds from. This was fine, however, because I spent the entirety of the next day finishing up with that garden.

The third day, with a sore lower back and sore legs, I was instructed to wait in the front roundabout for a truck to come. I did not know what was in store for me, but I waited patiently until a massive truck showed up with a load of mulch. The truck dumped the mulch at my feet, and I spent the next few days spreading that mulch to the dozens of gardens surrounding the farmhouse.

A sore back, swollen ankles, and cut-up shoulders later, I was finally done with the landscaping work at the farmhouse. As we were leaving the driveway, I turned around and looked at this beautiful building and the now beautiful yard. Even though it was not my home, it made my pain much more bearable that my hard work produced such a beautiful result.

Giving Up Your Car. Is It Worth It in the Long Run?

It’s no surprise to anyone that Baltimore’s traffic has been found to be amongst the worst in the whole country. According to a new study, Baltimore ranks 19th in the country for worst traffic. Any of us who have wasted a decent chunk of our lives in that traffic could have probably guessed it was that bad. If anything, we would have ranked it higher. How bad is it elsewhere in the country if Baltimore is only 19th?

It’s got me thinking that I need to reexamine my transportation options. I’m not often in Baltimore anymore, but I get sick of the traffic in Providence as well. But what am I to do? I’ve narrowed my options down to these:

  1. Walk everywhere – I could just buy a good pair of kicks and start walking. The public transportation isn’t so bad around where I live. I could probably get by with a bus pass. On the plus side, I’d get healthier. Less time sitting, more time walking. And I like walking around the city. On the negative side, though, the bus and walking takes longer, and I’d still have the traffic to deal with. Plus, the bus pass cost and the cost for tickets anytime I do want to go to Baltimore or elsewhere. It just seems like a pain.
  1. Get a bike – A little faster than option number 1, and another great way to get in shape, but the negatives are obvious. First, it’s more dangerous. Not every driver is very bike aware of bike friendly. I’d also have to deal with all the smog coming out of the buses and cars I’m not driving. And then there’s winter. How much biking would I actually do in the winter? I can’t see myself bundling up in five layers to make the trip to work every day. Really, I think this is the worst option, but I’m including it for completeness’ sake.
  1. Get a REAL bike – I like this idea. A motorcycle would allow me to move through traffic quickly. It’d be faster than a bike or walking/busses, and it’d be cool. Besides, I’d be able to go to Baltimore or anywhere really without needing to get tickets. I’ve always dreamed of having a motorcycle and taking trips during the summer. But that’s the summer. We’d still have the winter to deal with. And even if I could somehow get through that season, motorcycles pretty dangerous. I’m not the bravest person, and when I look at the statistics and the list of potential injuries that I found on the Law Offices of Ronald J. Resmini LTD. website, I just don’t know if I have it in me to actually sell the car and make such a drastic change.

So, I probably won’t do anything. I’ll keep the car, and I’ll survive the traffic. Maybe I ought to consider something a little less drastic to stop stressing about the slow commute. I could start listening to audiobooks, say, or look for some other kind of handsfree activity to make the time pass more easily. Still, when I think about that dream Harley…Maybe next year.

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