PaperBackSwap is a free online book exchange service. You create an account on the site and create a list of any books you’re looking to swap. Books are swapped through snail mail. The magic number is nine, list nine books and the site gives you three credits to “buy” books that other people have listed.

What Do I Do With a Credit?

Credits are freebies on shipping. Once you list nine books you’re willing to swap, you receive three credits. You can then search the site for a book you’re interested in and use the credit to “buy” it. Once you receive the book in the mail you go online and mark it as received. The person who sent the book then receives a credit and they can “buy” a used book of their choice.

You get a credit each time someone receives a book that they have requested from your list and the cycle goes on and on.

Check it out!

Read any Book on The Cheap! is a post from: Dough Defender

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Maybe you don’t need to worry about protecting the structure itself, but what about your stuff and yourself? All it takes is for the 6yr old upstairs to turn on the bath and forget to turn it off. If you don’t have a renter’s insurance policy you can kiss your electronics goodbye. Most of the time the landlord’s homeowners policy will cover the damanges to the property, but his policy won’t cover your belongings. You’re expected to have a policy of your own to cover that. Many renter’s insurance policies will also cover the expenses of an alternative place to stay while the damages from floods and fires are being repaired, usually under the category of additional expenses due to your claim. Renter’s insurance policies also protect you against liability if anyone else is injured in your home including court settlements and legal fees.

Standard Renter’s Insurance

The standard renter’s insurance policy, the HO-4 policy is for renters. There is also a policy specifically for condo owners, the HO-6 policy. Both HO-4 and HO-6 cover losses to your personal property from 16 types of perils:

• Fire or lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Damage caused by aircraft
• Damage caused by vehicles
• Smoke
• Vandalism or malicious mischief
• Theft
• Volcanic eruption
• Falling objects
• Weight of ice, snow, or sleet
• Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire-protective sprinkler system, or from a household appliance
• Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system
• Freezing of a plumbing, heating, air conditioning or automatic, fire-protective sprinkler system, or of a household appliance

Sudden and accidental damage from artificially generated electrical current (does not include loss to a tube, transistor or similar electronic component)

Floods and earthquakes are not included. If you live in areas at high risk of floods or earthquakes, then you’ll need to buy a separate policy or a rider. If you live in an area prone to hurricanes, you may also need to buy a separate rider to cover wind damage.

If you have expensive items to insure, ask about having an endorsement added to your policy to cover those items – and get them professionally appraised!

Actual Cash Value vs. Replacement Cost

Each renter’s insurance policy will be different in the amount covered for your belongings. Some policies will cover the actual cash value (ACV) of the item and some will offer reimbursement of the replacement cost.

ACV coverage only covers the amount the item was worth at the time it was damanged or stolen. Factoring in the deductible, you will receive less reimburement under this coverage. Leaving you short when you need to purchase your items brand new.

Replacement cost coverage will cover the the actual cost of replacing the item minus the deductible. Replacment cost coverage will come with higher premiums, but also higher payouts if you do need to file a claim. Look out for limits on high value items. For large ticket items you may need to add a rider to make up any difference in the cost of replacement and the policy coverage limits.

Take Inventory

It is important to take a full inventory of your belongings in order to receive full compensation in the event of a claim. A complete inventory will list each item you own along with it’s value and serial number if it has one.
When you create your inventory, go through each room and photograph or videotape the room. Make sure to include open closets and drawers, along with any storage spaces. Keep the photos or videos in a fire proof safe or a safe deposit box to keep them safe from the perils you’re trying to protect yourself from. More on creating your personal belonging inventory can be found here KnowYourStuff.org.

Renter’s insurance is often provided along side your auto policy and it’s fairly inexpensive to add. Everyone should be covered, you never know when the “just in case” will get ya!

Renter’s Insurance: Learn the Facts is a post from: Dough Defender

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