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Show 20 SPRINGVILLE HERALD Thursday, February 28, 2008 Renters insurance is a must I l I I f Jason Alderman If you're a renter and there's an accident or burglary, bur-glary, the landlord's insurance insur-ance will pick up the tab, right? Not true. Landlords usually only insure the building structure itself, so you're responsible for any lost or damaged possessions. pos-sessions. And, if someone falls in your apartment or gets bitten by your dog, guess who they might sue? You. Given this level of risk exposure, it's surprising more tenants don't carry renter's insurance. Many people feel their belongings aren't valuable enough to insure, but suppose an electrical fire or burst pipe ruined everything: think OOO O. 1UL' flOVO Of - I U I I boxmartofprovoyahoo.com 625 N. State St. Orem 224-2698 boxmartqwestoffice.net v . ' S I ' id (-'', Mon-Fri 10am-6pm Sat 9am-5pm 268 W. Center Provo 374-5520 ( I J ' www.artista.net L.J La uOkUSiU FREE SEWING KIT INCLUDED! Activa 220 1 -. :r . i- nr.-"- ' f V1 t ft FREE CABINET INCLUDED! Artista 640E & 630 E SPECIALLY PRICED! & MUCH MUCH MORE! NO I IMTEREST 1 1 how much it would cost to . replace your possessions - not to mention pay for alternate housing during repairs. Here are a few tips for finding the right coverage: What it covers. Renter's insurance commonly covers cov-ers property that's lost, damaged, or stolen due to most occurrences including includ-ing fire, lightning, windstorms, wind-storms, hail, explosions, smoke, vandalism, theft, plumbing leaks or falling objects. You're also usually usu-ally covered away from home - for example, if your suitcase is stolen, someone some-one breaks into your car or you get mugged. However, How-ever, flood, hurricane and earthquake damage usually usu-ally isn't covered, so you'll need a separate rider. Inventory. Write down everything you own and how much it would cost to replace. Consider furniture, furni-ture, clothes, shoes, electronics elec-tronics (television, computer, com-puter, DVD player, iPod, camera, etc.), watches and jewelry, art and other collectibles, col-lectibles, kitchen appliances applianc-es and dishes, books and CDs, sports equipment, etc. That's the minimum coverage cover-age you need. Document everything. To help settle claims faster and verify losses for tax purposes, save receipts and photograph or videotape video-tape everything; store a copy of the file in a safe deposit box or other of f site location. Many personal finance fi-nance software packages include an inventory program. pro-gram. Payout options. Actual cash value (ACV) coverage cov-erage pays the amount needed to repair or replace your belongings, minus depreciation de-preciation and deductible. The alternative method, replacement re-placement cost coverage, pays the amount needed to replace the items in today's dollars (minus deductible). Here's the difference: Say your TV cost $500 five years ago - it's worth a fraction of that today. ACV would pay that depreciated de-preciated amount, while replacement cost coverage would pay enough to buy a comparable new television. televi-sion. Replacement cost coverage is slightly more expensive, but probably worth it. Liability coverage. Most policies cover amounts you're liable for (including (includ-ing legal fees) if you're sued by someone harmed in your home. Given how expensive lawsuits are today, to-day, consider increasing this coverage well beyond the minimum amount. Loss-of-use coverage. Many policies pay an allowance al-lowance for housing and living expenses if you're forced to move out temporarily. tempo-rarily. Check if this is included in-cluded or costs extra. High-value items. Standard Stan-dard policies typically" place limits on how much they'll pay to replace certain cer-tain expensive items like V i .'V t : these fifth and sixth grade students were caught in the principal's office this week. No, they are not really in trouble but are Art City Elementary Stars for the week. Congratulations to Jake Empey, Corry Price, Chance Farr, Andrew Tucker, James Albright, Hailey Harward, Sydney Watts and Mckaylee Hunt Sage Creek Elementary has partnered with the Utah County Farm Bureau Bu-reau and the Springville FFA Chapter to co-sponsor "Family Agriculture Night." It will be held Monday, Mar. 3, at 6 p.m. at the school, 1050 S. 700 East. There will be learning learn-ing stations including wool spinning, the hatching of baby chicks and making a living necklace to take home. There will also be about 50 volunteers from Utah County Farm Bureau farmers and ranchers presenting pre-senting facts and fun. . Venea Morris, USU Ag in the Classroom teacher coordinator will have a special area to talk to teachers about their online course. The AITC program offers an online class to give Utah County teachers three hours of continuing education for recertifying recertify-ing their license. The cost of this class is $120 with a scholarship from Utah . County Farm Bureau making mak-ing the class $85 for three hours of credit. This Monday family fam-ily evening is part of Sage Creek's week of family activities ac-tivities at the school. This event is the idea of Stacy Hatfield, Sage Creek Elementary El-ementary PTA and Farm Bureau member. Hatfield partnered with Belva Parr, Utah County Farm Bureau Bu-reau Women's Committee Chair,' Wyatt and Jamie Andersen, members of the Utah County Farm Bureau Bu-reau Young Farmers and Ranchers Committee and : area farmers and ranchers to make it happen. Stacy and her husband, Russell, and their family raise vegetables in Springville Spring-ville to sell at the Farm Bureau Farmers Market. They see this as a valuable opportunity to introduce agriculture, first-hand, to children at Sage Creek and in the community. For more information on jewelry, antiques, art and high-end electronics, so you may want to purchase additional ad-ditional riders to cover the difference. the event or how to host an Utah County Farm Bu-agriculture Bu-agriculture night yourself, reau Women's Committee please contact Belva Parr, Chair, at 801-380-7782. 287 S. Main Springville Have you got the winter blues? . We've got what you can use! Grgat selection on arrivals for spring, Blow-out prices on winter things! IT n - - . , ON ALL 08 F1 50, F-250 & F350 FORD TRUCKS! UP TO $4000 CUSTOMER CASH! -""--i?' OWet Ford OeIea In Vth x spa vicu moi' NFDUI J K 2534 berth 200 East (S01)79$-)553 W South. Main (4)5)i2-6222 1 mssm pq'o D.C. Juries Kiit3 Lynn D C. 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