Stereo System Photo
Stereo System Photo
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 1973 Andy Warhol photo Pioneer High Fidelity Stereo System print ad  US $9.99
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 1968 Panasonic stereo system photo print ad US $9.99 |
 1957 Pilot Hi Fi stereo system photo print ad US $9.99
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 1968 PANASONIC Eight Track Car Stereo System Car Interior at 60 mph Photo Ad US $9.95
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 1973 Onkyo Stereo System Jazz Vintage Photo Print Ad US $8.99
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 1978 Sony Stereo System Vintage Photo Print Ad US $8.99
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 1979 Sharp SC 8000 Stereo System Vintage Photo Print Ad US $8.99
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 1972 Sony Portable Stereo System Vintage Photo Print Ad US $8.99
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 1978 Panasonic Systems 5000 Stereo Vintage Photo Ad US $8.99
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 1974 Bang Olufsen Beosystem stereo system photo ad US $8.49
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 1969 Zenith Circle of Sound etc stereo system photo ad US $8.49 |
 1970 Panasonic stereo system photo vintage print ad US $8.49
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 1968 Benjamin 1050 stereo system photo print ad US $8.49 |
 1968 Harmon Kardon SC1510 stereo system photo print ad US $8.49 |
 1974 Pioneer Opus 1 2 3 4 stereo system photos print ad US $8.49
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 1969 Tandberg Solvsuper 10 71 stereo tuner receiver system photo print ad US $8.49
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 1969 Quad 303 Hi Fi stereo system receiver speakers photo vintage print ad US $8.49
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 1969 Rogers Electronics Ravensbourne stereo system photo vintage print ad US $8.49
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 1973 Electrophonic quad stereo system Super Sphere speakers photo print ad US $8.49
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 1967 SCOTT 2504 COMPACT STEREO SYSTEM Photo Print Ad US $5.99
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Your First Renter's Insurance Policy
Introduction to Renters Insurance
So you dont own a home that doesnt mean you dont need insurance to protect your belongings in the event of a fire, flood or other major disaster. What you need is a renters insurance policy.
What is a Renters Insurance Policy?
Renters insurance is a specific type of financial policy designed to help you replace your belongings, should a covered event occur. Most policies cover 16 major types of events, including fire, theft, vandalism and many other hazardous situations. Floods and earthquakes typically arent covered, so you may need to purchase additional coverage if you live in areas that are prone to these events.
The major distinction between renters insurance and homeowners insurance policies is that renters policies dont cover the actual building you live in just your possessions. But as you dont own the home, this isnt a concern the owner of your building carries a policy that will cover the cost of these repairs.
What Should You Look For?
A renters insurance policy typically covers the replacement of your belongings up to a certain dollar amount that you specify typically between $ 20,000 and $ 40,000, depending on the size of your home and the quality of the items in it.
However, there are two types of replacement policies and this is an important distinction that you need to be aware of the difference between replacement cost policies and actual cash value (ACV) replacement policies. An ACV policy will cover you for the value of your positions at the time of the qualified event, while a replacement cost policy will reimburse you the full cost of replacing the items youve lost.
To make that distinction clearer, lets look at an example:
Suppose you purchased a stereo system that was worth $ 1,000 four years ago, but is only worth $ 250 today, even though it would cost you much more than that to replace it. An ACV policy would only pay the $ 250, but a replacement cost policy would pay enough to replace it with a comparable system in today's market.
Also, when choosing between an ACV or replacement cost policy, you want to look for the same things you'd find from other insurance policies, such as a reputable provider, affordable premiums, and extra coverage to meet your specific needs.
Getting Started with Your Renters Insurance Policy
Shopping for a renters insurance policy is a simple process just request quotes from several different providers, review their policies and select the one that best suits your needs. Completing the paperwork shouldnt take more than a few minutes and can usually be done over the internet or on the phone.
Once your policy is in effect, theres still one final step in getting started with your renters insurance policy. You'll also want to make a photo inventory of your most important belongings to back claims in case disaster strikes. You don't need to document every plate in the kitchen or shirt in the closet, but do take pictures and document the most expensive items you own and estimate the total value in each room.
Lastly, be sure to store a copy of the inventory outside your home and update it periodically. Although you buy renters insurance hoping that youll never have to make a claim, having your paperwork in order will make the process much easier should disaster strike your home.
$200000+ Audio System, MBL Reference Line, Salon Son et Image, 2 April 2011
