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Show June 21, 2001 R enter's Two types insurance provides security available personal property, liability Personal property protects tenants against loss and damage to their personal property. The coverage typi- by Capt Robert Amrine and 1st Lt Bradley A. Cleveland Hill Legal Office property. The alternative is actual cost coverage. Under actual cost coverage, the insurance company will only cover the depreciated value of the tenant's property. For example, the tenant bought a television five years ago for $800, which is subsequently destroyed in a fire. The insurance company will only pay the tenant the depreciated value of the television, which will rarely cover the cost of a new television. The second basic type of coverage is liability insurance. Liability coverage protects the tenant in a lawsuit for bodily injury or damage occurring in the apartment caused by the tenant, their children, or conditions in the apartment. For example, a neighbor stops by to ask a favor and slips on a toy and injures his back. The tenant's liability coverage will provide protection from the forth protects them against fire, electrical, water, wind, explosion, theft, and vandalism, just to name a few. Personal property coverage also protects thier cally Many renters believe their landlord is responsible for insuring them against loss in the case of a natural disaster or accident, such as a fire. This is a fallacy. Typically, the landlord only carries insurance on their investment, which is the apartment building itself and usually doesn't provide individual insurance to protect their tenants against loss. It's the responsibility of the individual tenant to obtain this type of insurance. What exactly does renter's insurance, or a "tenant home owner's policy" protect against, how can you get it, and how much will it cost? There are two basic types of coverage included in an average policy: personal property and property outside the apartment. For example, the tenant is traveling and her luggage is stolen. Her renter's insurance will cover the loss even though the luggage wasn't stolen from her apartment. Personal property coverage comes in two forms: replacement cost coverage and actual cost coverage. The first form, replacement cost coverage, is not automatic in all policies, so the tenants should specifically ask for it. Replacement cost coverage means the insurance company will pay the tenant the actual cost to replace the destroyed, damaged, or stolen M5 1 mm by David Bert Havas Attorney at Law V0UR PERSONAL INJURY ATTORNEY Internet. One site to browse is www.nfsn.comInsco.htm. Individuals may also call or write the National Asso- ciation of Insurance Commissioners at 120 W. Twelfth Street, Suite Kansas 64105-192. (816)842-3600at MO City, The last thing to consider is how much it will cost. This depends on many variables, including the location of the apartment, the type of building the apartment is located in, whether the apartment has a burglar and fire alarm, and how much 1 100. 5, coverage and deductible the purchaser requires. ? TIME U.AWJ TUDOAV cue coming personal injury lawsuit filed by the injured neighbor. It's important to have a sufficient amount in order to protect assets and future livelihood in the event an accident does occur. There are many companies that offer renter's insurance. A list of companies is available in the Yellow Pages or on the MO V 1 air A AAA IaaIJA UAAA Improving Your Vision One Step at a Time POWER OF ATTORNEY While a will provides FREE Estimates All Work Guaranteed High EtflclencyEnergy Savings directions to others as decision-makin- g to how your estate should be handled after your death, there is a legal instrument by which you can give the power to others while you are still alive. A "power of attorney" is a document or written instrument that allows you to appoint someone as or agent your decision-make- r to handle certain transactions usually relating to business or financial affairs. Thus, designating someone as your agent may be helpful in transacting an transaction, or a series of transactions, that you are unable to conduct yourself. This power of attorney is automatically canceled should you become disabled. To perpetuate the authority, you out-of-sta- te 520 South State, Clearfield 773-4836292-16- would need a "durable power of attorney." Though a power of attorney may be part of a comprehensive estate plan, it has other applications. Extended travel of a spouse in the military, for just one example, mient prompt some to think of having a document on file that allows one spouse to make decisions and handle legal matters in the other's absence. 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