Whenever you move into a rental home or apartment, you are responsible for your property. In the case of a disaster such as fire or theft, chances are low that your landlord will compensate you. The property you live in may have insurance to cover things such as flooring repairs. However, that policy doesn't cover repairing and or replacing personal property. Your only remedy is buying a renters insurance policy. It is also known as tenant's insurance. The elements protected include liability, personal things, and extra living costs. Below is a guide on tenant insurance policies.

The prices of a renter's policy vary depending on several aspects. First is your coverage selection on personal possessions. It is the compensation you get for any loss of your property due to instances of theft, fire, or any other disaster that you insure. It is not recommendable to reduce the coverage of your belongings in an attempt to pay less. In addition, you should not overestimate your property's value since you will spend more on unnecessary coverage.

The second factor is your location. Different parts of the country offer different pricing for insurance. Besides, standard policies have their limits. For instance, they do not cover disasters such as earthquakes and floods. Therefore, if you live in areas prone to such calamities, you must find another policy to cover them.

Another factor is the replacement expense compared to the real cash value. The variation between these two elements greatly affects the price of your policy. When your insurance covers the real value of cash, depreciation will be deducted from the value of the property during compensation. Contrary, when the policy covers replacement costs, you will get compensation equal to the current market value of your possessions.

Shopping for tenant's insurance is not difficult. The first step is determining the items you want to cover. Most policies cover liability such as a lawsuit, personal property such as electronics, and extra living costs such as relocation due to damages rendering your home unlivable. The second step is determining the coverage you need. To achieve this, come up with an inventory and determine its total value. Then select an insurance provider. Go for a company that offers good value for money. After settling on the best provider, choose your insurance policy. Consider factors such as the policy's coverage, costs, and benefits.

It doesn't take long to realize why the 2021 Mazda CX-5 is winning over drivers from all lanes — with athletic, capable handling wrapped in a sleek, stylish body and an affordable price to boot, this small SUV crossover meets the needs of many. And that's just the surface. There's a lot more to like about the new 2021 CX-5, especially when it comes to new features and trim options. There's a lot to love about the new 2021 Mazda CX-5, read on to find out more!

Drivers of previous CX-5 years will notice that, in addition to quieter handling, the 2021 comes equipped with a new upgraded central display screen. The now-wider (10.5") screen comes with Mazda's latest infotainment interface, which offers better visuals for both the apps and backup camera. Like the previous generation, it comes with Apple CarPlay, Mazda's sound apps and navigation. It's still not a touchscreen, but many drivers will find this makes it easier to adjust settings while still keeping their eyes on the road. And by forgoing the touchscreen technology once again, Mazda is also able to keep the screen situated in easy view high up on the dashboard (compared to most modern infotainment touchscreens, which are much lower and require more space).

As for safety features, the 2021 CX-5 keeps many of the same ones that earned it a spot as the only small SUV to snag top Insurance Institute for Highway Safety awards back in 2018. In addition to features like lane keeping assist, adaptive front lights, and smart brake support, the new 2021 model takes things even further into the safety zone by making pedestrian detection standard (the car can sense pedestrians in its path when going over 6mph, which needless to say, is very impressive). It's also worth noting that the top tier trim Signature trim also comes with a 360-degree monitor and smart rear braking.

Regarding trims, the 2021 CX-5 is not totally a "one size fits all," of course, The vehicle comes in seven different trims: Sport, Touring, Carbon Edition, Grand Touring, and Carbon Edition Turbo, plus the top-tier Grand Touring Reserve and Signature options. The Carbon Edition is the only brand-new trim for this year, and the biggest difference is that drivers can choose between the regular Carbon Edition and Carbon Edition Turbo. As the name suggests, the key thing to note here is that one comes with an optional 2.5 turbocharged engine (with up to 250 hp and 320 lb-ft of torque). This same powerful engine is available on the upper trims, so the Carbon Edition is the more affordable way to get it for drivers who don't care about or want all the additional luxury features.

But one of the greatest things about the new CX-5 is the price. It's hard to find this amount of style in an SUV or any kind, especially with a starting msrp of $25,370 and going up to over $37,000 for the top tier. And with so many features now coming standard, this is easily one of the best deals currently on the market for small to midsize SUV crossovers. The CX-5 gets about 25 mph in the city and 31 mph on the highway, so the fuel economy is decent as well. Drivers looking for additional savings can check out Mazda's various loyalty programs (between $500 and $750 toward their vehicle cost) and their Military Appreciation program (a $500 bonus).

The 2020 Volkswagen lineup has a lot to offer, especially for those looking to buy a sporty sedan or stylish SUV. This automotive giant has improved upon their standard safety and tech features across all models, and most of their vehicles now offer the benefits of Car-Net and on-board Wi-Fi. In addition to these improvements, they’re still offering classic designs at competitive prices. A quick look at the updated Atlas, Tiguan, Passat, and Jetta provides an ideal insight into their impressive 2020 lineup. Read on to find out more about what makes the 2020 Volkswagen lineup so amazing.

Volkswagen’s Tiguan was named Cars.com’s best compact SUV for the second year in a row in 2019, and the 2020 Tiguan looks to continue that streak. Starting at $24,945, this SUV is available in five different trims: S, SE, SE R-Line Black, SEL, and SEL Premium R-Line. Each trim is also available with Volkswagen’s 4Motion® all-wheel drive. The Tiguan S comes standard with a 2.0L engine that boasts 184 horsepower and 221 lb-ft torque, along with a seating capacity of seven and plenty of cargo space (and foldable seats for additional room). Both spacious and powerful, this SUV offers an estimated 29 highway MPG and safety features that include blind spot monitoring and front assist, a crash-optimized front end, and advanced anti-lock braking systems. Additionally, tech features like a built-in 6.5” touchscreen sound system and a rear traffic alert provides both safety and entertaining convenience.  

The 2020 Atlas is Volkswagen’s spacious family SUV, starting at $31,545. It comes in seven trims: S, SE, SE with Technology, SE with Technology R-Line, SEL, SEL R-Line, and SEL Premium. Each of these trim packages builds off the S, which boasts spacious seven-person seating, dual-zone climate control air vents for each row, split-folding seats, a rear-view camera system, and blind spot-monitoring. Along with space, safety, and tech, the Atlas boasts a 2.0L engine with 235 horsepower, 258 lb-ft torque, and an efficient 24 highway MPG. The w/ Technology trims feature a slew of impressive tech, including remote start, adaptive cruise control, and auto-dimming interior rearview mirrors. Regardless of which the trim, the 2020 Atlas offers plenty of space, excellent safety features, and advanced auto tech to keep the whole family safe and entertained.

SUVs and crossovers aren’t the only vehicles standing out in Volkswagen’s 2020 lineup. Their compact sedan, the 2020 Jetta, starts at $18,895 and offers quick pickup and efficiency at the same time. It sports a 1.4L Turbo engine, 147 horsepower, and an unbeatable 40 highway MPG. The Jetta also comes standard with a rear-view camera system, a 6.5” sound system display, and an intelligent crash response system for optimized safety. With five different trim options – S, SE, R-Line, SEL, and SEL Premium – the Jetta offers plenty of variety and customizability for those looking to drive an affordable, sporty, and efficient sedan. Perfect for both in-city drives and long road trips, the 2020 Jetta remains one of Volkswagen’s best-known models for a reason.

The 2020 Passat, Volkswagen’s affordable midsized sedan, starts at $22,995. With more space and power than the Jetta, the Passat is ideal for those looking for an impressive sedan that’s both comfortable and stylish. Each of the four available trims – S, SE, R-Line, and SE – come standard with a 2.0L Turbo engine, 174 horsepower, and an efficient 34 highway MPG to keep trips to the pump far-and-few between. Other standards for this model include power steering with variable assistance, a premium multifunctional display, app-connect, a rear-view camera system, and front assist with pedestrian monitoring and forward collision warning. The 2020 Passat’s safety features also ensure the whole family stays safe, with lower anchors and tethers for children, front and side airbags with a supplemental restraint system, and intelligent crash response systems. Whether for riding solo or with the whole family, this spacious sedan offers the safety and efficiency anyone would want from a sporty sedan.

Volkswagen has a history of quality and affordability, and their 2020 lineup is no exception to this. Sedans, crossovers, SUVs, wagons, and even electric compacts – Volkswagen has made the jump into the 2020s ready to up their game and compete for continued accolades and popularity.

Make the most of a truck's hauling space with a high-quality truck bed cover! While trucks are handy for a variety of uses, an open and empty truck bed often means a waste of space, or worse, as a truck bed is not a secure place for cargo. Truck bed covers change all of that, providing security and protection without sacrificing style. Also known as tonneau covers, truck bed covers are available in a variety of brands, materials, and styles. More versatile and less expensive than shells or caps, truck bed covers provide a budget-friendly way to keep cargo safe and secure. The three main kinds of truck bed covers include the hard folding truck bed cover, the tri-fold truck bed cover, and the hard roll-up truck bed cover. Read on to find out more about how these three kinds of tonneau covers compare!

A hard folding truck bed cover is the way to go when it comes to safety, style, and price. A hard-top truck cover is durable, more than the roll-up or trim-fold types of covers. There are different size options that fit shorter and longer beds, and the overall style tends to be simple, with leather or similar material that sits flat and holds its shape over time. Installation can often be done by the consumer, and often no drilling is required. These types of truck covers can also be partially folded back to provide more space and versatility. The BAKFlip G2 Hard Folding Truck Bed Cover is considered one of the best available. It comes ready to fit a 5'6", a 6'6" bed, and an 8' bed, and comes with a three-year warranty. Priced at only $889.88, this truck cover is a great buy.

For those on a budget, one of the best options for a truck bed cover is a tri-fold truck bed cover. This soft cover fits a 5.7' and 6.4' beds. This type of truck cover is known as one of the easiest and most convenient to use. Built-in horizontal crossbars provide plenty of support for the heavy-duty, marine-grade vinyl. Installation does not require drilling, and installation is easy. The velcro strip on the sideband the tension system keeps the cover tight, and the latch lock systems keeps everything safe underneath. The MaxMate Tri-Fold Truck Bed Tonneau Cover is one of the most budget-friendly available, with a 10-year warranty and priced at only $151.

The third type of truck bed cover is the hard roll-up cover, which is a truck bed cover that is easy to roll up and out but has the extra support of an aluminum base. This type also comes in varying sizes, including a 5'6" bed, a 6'6" bed, and an 8' bed. A hard roll-up truck bed cover is easy to secure with straps, and the vinyl on top of the aluminum is durable and attractive. The BAK Revolver X2 Hard Roll-Up Truck Bed Cover is one of the most popular of this type of truck cover. Cargo is secured with patented rotation locking rails that secures the entire cab, and this cover releases easily with a hidden cable on either side of the truck bed. Made in the USA, this truck cover is $969.88, and comes with a three-year guarantee.