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

186 Gallatin Avenue, Uniontown PA, 15401
1,770 Sq. Ft living space. New plumbing and fixtures, Pre-wired for high speed cable and phone lines! High efficiency forced
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

Orlando's Hideway at Valley View Acres
A log cabin rental just 10 minutes from Uniontown. nestled on 16 secluded acres with a wonderful
view of the Laurel Highland mountains. Has 1 bedroom, 1 loft bedroom as well as fold out couch bed.
12 minutes from Uniontown, 20 minutes from Nemacolin Woodlands resort/spa. Approximately 40
minutes from Seven Springs resort and Hidden Valley resort. 40 minutes SE of Pittsburgh. If you are
looking for the perfect getaway we have it here. Daily, weekly and weekend rentals. 724-437-1360

213 Pittsburgh Street, Uniontown, 15401

1st Floor Apt 1 BR 1 Bath, $445 mo. water incl., W/D hookups, stove, refrig.

2 BR 1 Bath, $515.00 mo. water incl.,W/D, stove, refrig.,

View website info - 301-729-1086