As a landlord of a residential property, you need protection from financial losses, which may result from a property damage due to break in, extreme weather or even break-ins. A landlord insurance provides coverage for property owners, who are renting out one or more residential homes, condos, and apartments.
There are insurance covers that can help you cover the loss of income in the event that your residential unit becomes uninhabitable due to circumstances that are beyond your control.
Landlord insurance protects owners from the damage to their property and from liability claims. Following are a few examples that would explain how landlord insurance work:
landlord liability example
Consider a scenario, where a visitor visits your property. While, on your property, if the visitor falls because he tripped over his own shoelaces, as the landlord you don’t have the liability claim on your hands.
If the visitor is staying with one of the tenants that the landlord has leased his/her house too, falls on a slippery floor, the landlord here as well is not likely to be held responsible. This incident will probably fall under the renter’s liability insurance.
The landlord might have a liability claim on their hands if the visitor tripped due to negligence on landlord’s part, such as broken stairways in the landlord’s building or icy walkways. The visitor may file a claim against your landlord insurance policy to cover the medical costs. The landlord insurance can cover costs up to limit of the policy after the deductible amount is paid.
Rental damage property example
Consider an event in which a lightning strikes an apartment and starts a fire causing a substantial damage. In cases like these, a landlord insurance can help one pay for the repairs or rebuilding.
You need to consider the fact that as the landlord, your property damage coverage has limits. Remember that you will have to pay for the deductible first before you get any reimbursement from the insurer. If your insurance covers for loss of income, you can be compensated for the rental income you might lose during repairs.
Ask the insurance agent if you can add coverage for tenant damage. If this is not possible, take a rental deposit when the tenant signs for lease.
To get more information and advice to find the right coverage that matches your insurance needs, get in touch with a local insurance agent. They can guide you in the right direction and might also provide you free landlord insurance quotes from different companies.
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Things you need to know about full-size quilts
Read moreShopping for a full-size quilt and queen-size quilt has just become easier. Both of these are available at different online platforms and you can order these easily from any part of the world. However, before you order the full-size quilt or queen-size quilt, it will be great if you know certain facts.
Uses of a quilt
A full-size quilt or queen-size quilt is generally used as bedding. However, these can also be used for decoration purpose, as gifts to family and friends and for artistic expression in any of the rooms, you so desire for. Though full size quilt has often been used for bedding only, its other uses have also become popular.Characteristics of full-size and queen-size quilts
Full-size quilts should not be confused with blankets however at times these end up being used in place of blankets only. However, a full-size quilt or a queen-size quilt can never be considered as a blanket since the blankets are always woven.These full-size quilts are generally covering for the entire bed and consist of a soft batting, top layer, and a fabric backing. All these three layers are tied or stitched together. This holds the different layers of the full-size quilt and the queen-size quilt together and give the quilt a refined look.
Putting the full-size quilt together
In its traditional way, the full-size quilt or the queen-size quilt is pieced or sewn together with the use of hands. Nowadays, however, the full-size quilt is stitched together with help of a sewing machine which also fastens the process of sewing.If you are looking for a quality full-size quilt or a queen-size quilt, the preference should be for the one which has been stitched with quality. This stitching could be either by hand or use of the machine.
Caring for the quilt
Any full-size quilt will serve you for long only when you care for the same adequately. If the quilt is not to be used for a longer time, the ideal way of preserving the same is to drape these and put them firmly on a rack.You can also hang the full-size quilt or queen-size quilt if these are not to be used on an immediate basis. The only care that needs to be taken is the fact that these should not come in direct contact with the sun. Washing the full-size quilt often is also not recommended and these can be washed generally once a year.
You can toss it in the cloth dryer though and this will suck up the entire dust.
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Frequent Urination Problems – Prevention and Treatment Options
Read moreFrequent urination refers to the need to pass urine at least eight times in a day. Frequent urination problems can occur due to many reasons such as diabetes, weak pelvic muscles, bladder infections and other health problems.
In women, pregnancy and childbirth can lead to weakness in the pelvic region. During pregnancy, the uterus puts constant pressure on the bladder and increases the urine frequency. In men, an enlarged prostate is a leading cause of frequent urination. Bladder stones, bladder cancer, and radiation therapies can also cause frequent urination problems. Excess weight can also put additional pressure on the bladder and create the urge to urinate more often.
Prevention
It is possible to prevent frequent urination problems with healthy diet habits and exercises.If you have experienced even mild bladder problems, you can take some precautionary measures to reduce its occurrence in the future. Or if you have any medical problem that can cause frequent urination, you can take better care of your diet to prevent any bladder problems.
- Reduce intake of caffeine, alcohol and citrus juices.
- Refrain from eating tomato-based foods in large amounts.
- Avoid the consumption of artificial sweeteners.
- Add more fiber to the diet.
- Begin a practice of kegel exercises to strengthen the pelvic muscles.
Treatment
There are several effective treatment options for frequent urination problems. Often, the treatment for the underlying cause treats the problem of frequent urination as well.- If you need to urinate frequently because of diabetes, managing optimum levels of blood glucose can provide a lot of relief from the problem. The same applies to frequent urination due to infections in the urinary tract and bladder and prostate problems. For example, surgery to treat an enlarged prostate can also reduce the need for frequent urination.
- Medications to replace estrogen or treat an overactive bladder can be very effective in treating frequent urination.
- For severe problems in the bladder, surgery can be a treatment option.
A good diet plan and pelvic floor exercises are often adequate to treat frequent urination. Consult a doctor for best treatment plan as per your health needs.