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Renter’s Insurance and why it ROCKS!

Renter’s Insurance and why it ROCKS!

Do you know what renters insurance is?  You would be surprised to know that  many people don’t know about it and its benefits. Most property management companies these days are starting to require that renters have renters insurance, and most people that have never had it, don’t know much about it, or might have reservations about spending the extra money. Below, I’ll give you the little skinny on it in hopes that everyone starts to realize much renters insurance rocks and is a great thing to have for your own benefit!

Renter’s insurance is incredibly affordable; and more so that most people even realize. The usual price for renters insurance is between $10-$30 dollars depending on how many items you own and their replacement value.  An insurance agent can help you determine the value of your items and you can usually get your insurance set up on the phone in 10-15 mins.

Did you know that renter’s insurance can provide coverage for items and incidents inside and outside of an apartment or rental house?  Crazy right?  It’s not just to cover damages within your rental.  Most renters are usually aware that belongings stolen or damaged within their homes could be covered by renters insurance, but fewer may be aware that items stolen from their cars could be covered too.

(Example: if you leave your laptop in the car and its stolen your renters insurance will cover it)

(Example: if a renter whose child floods an apartment bathroom by leaving water running in a bathtub would likely end up paying out of pocket for the damage if they don’t have that valuable renter’s insurance.)

A landlord’s insurance only covers the structure and does not cover contents, and having that added policy can also cover damages caused by that pesky maintenance issue that arise and may damage your belongings.

Another benefit could be coverage for accidents inside a renter’s homes in which visitors are injured and responsible for the damages. This can be especially important if you throw parties or frequently have guests in your home. And, these policies usually include some no-fault medical coverage for guests. (No-fault coverage means policyholders don’t have to wait for a court decision to determine who’s liable for an in-home accident before claiming the coverage provided by their renters insurance.)

AND… But wait, there’s more!

“(Renters insurance) covers something referred to as ALE, or Additional Living Expenses, should a fire or other calamity require you to live elsewhere,” Lehman says. “If, for example, an apartment is damaged in a fire and your rent was $1,000 a month but you had to live elsewhere that costs $1,100 a month, it would cover the extra $100 for rent up to the policy limits.”

ALE would also cover food, living and clothing costs if you have to leave your home for more than 72 hours during one of these calamities!

Just think of all the possibilities and positives that renters insurance can help you!  If you have any questions or are interested in renter’s insurance there are plenty of agencies.  Our first suggestion is check with your automobile insurance company.  Having both under one policy generally gets added discounts for having those multiple lines of coverage, making it even cheaper!

The moral here?  Go get it!  The small cost that you pay each year gets you a TON of coverage and a TON of piece of mind.

Behind the Red Door

The symbolism of the color ‘red’ has transcended time, culture and ecology. Mother Nature even uses it to say, “Hey! Notice Me! …I standout for a reason.” Our western culture uses it to make important objects and structures stand apart and be discernible, such as stop lights or signs. Adaptations from the East have fused together the ideal that a red front door is good luck. So naturally, you can imagine why a restaurant named “The Red Door” physically and metaphorically tells native San Diegan and visiting restaurateurs, alike, in its undeniably bold shade, “STOP and check me out! Your taste buds just got lucky!”

If you’re looking for a dining experience as brilliant, yet subtly elegant, as the many shades of ‘red,’ venture into the trendy, but understated, neighborhood of Mission Hills. Amongst an array of truly unique and eclectic restaurants and boutiques lies this gem of an eatery.

As you walk into its cozy quarters, life through friendly banter and soft “Mm mms” fill the room.  The perfect place to impress a prospective partner or mingle amongst friends.  Its quaint interior is usually packed to the brim with guests, making reservations on holidays and prime dinning hours is a must.  Otherwise you will miss out!Red Door Restaurant & Wine Bar

The atmosphere teeters between comfortably-casual to semi-formal, with its simple, but chic, décor and front-house layout. But I’ll let you in on a not-so-secret…the real magic happens in the back, where locally grown, family farmed, produce meets masterfully prepared proteins. On a personal note, if you’re a fan of “the other white meat,” I highly recommend ordering the Braised Pork Cheeks for a starter…You’ll wish it never ends. There is also an impressive wine list at your disposal—or I guess in this case I should say at your consumption. And, if you’re having trouble making a selection, the friendly and attentive staff is readily available to help guide you through this culinary excursion.

Let’s not forget dessert! If you can still ingest one more exquisite creation it has to be one of these delicate and decadent pieces of art, made with only the freshest seasonal ingredients.

If you’re mouth isn’t watering by now, let me tell you mine is…and as having experienced this first hand, it’s a must-do for foodies hungry for a taste of San Diego’s finest.

Add it to your bucket list, tell Siri to bookmark it… it’s that good! If you’re in love with food like I am, then you should never settle for run-of-the-mill. So treat yourself! You deserve it. Make it a monthly routine? Meet style, sophistication, innovation and flavor all at the same place: “The Red Door.”

Bentley’s Story

Bentley….oh Mr. Bentley.  He came to us almost five years ago through a wonderful woman in Spring Valley that has dedicated her time to rescuing these amazing dogs from the local animal shelters.  These amazing life-long friends are deemed “un-adoptable” by the local shelters because of injuries or illnesses that no one wants to spend money to repair.  Most of these injuries or illnesses are correctable, and most of these animals are rescued right off of the euthanization table by this wonderful woman.

And such was the case of this little dude.

bentley boy.jpg

Bentley was found wandering the streets with a broken leg, flea ridden, and with a broken spirit.  He had been severely abused by his previous owners, and when injured, was turned loose on the streets.  He was picked up and taken to the local shelter, and after an assessment, was deemed un-adoptable due to his injuries.  They didn’t think anyone would want him or want to pay to repair his broken leg.  They feared he would need surgery and this is money they don’t want to spend.

Enter Penny.  Dogs are her passion.  Rescuing them, her job.  She is selfless and cares tremendously about each dog she adopts.  And, because she visits the shelters almost daily, she is able to stop so many faithful pets from being euthanized for no reason.

This is where Bentley’s story begins.

He is taken from the shelter and immediately taken to the vet.  He is poked, prodded, cleaned, vaccinated, swaddled, and sent home for some TLC.  Days later, he returns to the vet for his check up and Penny finds that his leg is on the road to healing.  No surgery needed!

A few more weeks go by and he is good as new.  And the most heartwarming part of this story is how amazing this little guy is.  He is so unbelievably loving and loyal, and he has the most amazing personality.  Everyone who meets him falls in love with him. And you know by looking in his eyes the pain he has endured, and I believe he knows how truly lucky he was that Penny found him.  He would have been killed for no reason…..his injuries were not that severe.

Thumbnail image for Bentley xmas

This is where our story begins.  I adopted Bentley in the summer of 2008 right after his first birthday.  He was scared but he quickly became so attached to me and I to him.  He is without a doubt the most loving, loyal, and spunky little guy, and he immediately melts everyone’s hearts.It is because of him and our 5 other rescue dogs within the Cambridge Family that we are making March “Penny’s Month.”  We are so grateful for the work that she and countless volunteers and foster parents do for these animals.  We want each of our residents to know how important her work is and how much of an impact she is making in each one of these dog’s lives.We will also be collecting dog food, leashes, harnesses, toys, etc. to take and give to the foster homes within her organization.  They truly need any pet related item, no matter how small.  Most dogs are wearing used and hand-me-down items, and she tries to send each pet home with their favorite toy from their foster home.  I still have Bentley’s…….Let’s help give these little guys the happy life they deserve…..
Bentley sailing