Engagement Rings: Insurance Pros & Cons »
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
2511 N Loop 1604 W Ste 102San Antonio, TX 78258
Never in my years of renting homes have I ever been faced with such disorganization, failure to assure quality of living, and chaos from a management company. United Apartment group took over management of my town home community (Dalewood Townhomes) about four months ago, and in that short time …
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
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HI there has been multiple complaints that has brought my attention from most of the resident that lives there at the complex about resident apartment 2902 we have married husband and wife and family that leaves there that respects there private and the resident that lives in 2902 is disrespecting the married husband and guy and saying if she had a chances she would take you really quick and flirting a certain way and saying hi that what my husband says or the rest of resident and saying hi and be flirting with them and bieng a certain way to say hi to the guys that are married and maintenance guys and saying that the maintenance guys that are friends yes we have a maintenance guys are there to there job not to friends or flirting with them the residents are also noticing when she say hi in a flirting way to the maintenance guys or to other guys too when she walks her dog or washing her clothes we are all married and the ladies don't have time to be firting with any guys we all respects are guys or husbands If resident 2902 if she is married or has a boyfriend respect that noticed she has rings on her finger and telling all guys her family problems or telling the ladies that live there about her health issues or family problems it's none of there business and sometimes also my husband and the rest of residence married guys are noticing what she is wearing she wearing white jogging shorts and the guys can see her something underneath very disrecting on the complex we all dont need drama or any problems here also i have all ready notified law enforcement sapd about this matter thanks sincerely Mrs Tovar
but with these additions. The new owners are actively fixing up their property. They seem to care about it. It was neglected, dangerous before Lynd came along. The managers? We haven't needed their help so can't comment on whether they're responsive or helpful. I would hope that they spell out what are the policies here and enforce them cause some of these folks are despicable. Unsupervised kids are one of the biggest problems. Kids between 7 and 11 years old, wild and will challenge you if you dare say something about them throwing rocks or running in the parking lots. They're constantly messing around other people's cars. We have cracked windows from them throwing rocks at windows and cars and each other. Wish they'd get rid of the landscape rocks! I think we'd be in a much better place if the parents were compelled to get out of bed and watch their children. Unless one of them comes up dead or hurt nothing will change. Besides the dope heads, kids left to their own devises will bring a place down quicker than anything. All of this can be placed at the lap of absentee 'parents' who need to stop pawning their kids off on the community and take responsibility. I recommend renting here to others with the current owners. They have much to do to bring this long neglected place around but they're trying and doing a great job.
This complex is average. If you are looking for security, upgraded fixtures, and quality amenities, than you have the wrong place. There have been 5 break ins reported. They have to report all crime in the complex to the residents but they do nothing to make the complex more secure. There seems to be a large amount of dog owners so there is always feces on the sidewalks. Don't let the "gated community" fool you. They have one gate code and once you give it out that person can enter anytime they choose to. Before you sign a lease, physically go check your apartment. I was issued the wrong floor plan and told I had to wait a month and a half before the one I originally requested became available. The leasing agent tried arguing with me and told me that I never asked for a specific floor plan when we had a 15 minute conversation about it over the phone. Due to time and $$ constraints I had to take what was available. The parking is also horrible especially after 6PM. Most of the parking slots have been converted to carports which you have to pay $20.00 a month for. For the amount they charge in rent, they need to upgrade their amenities and provide better security.
Somewhat noisy--apartment walls are very thin so you can hear the neighbors fight in the early morning (next property over) and listen to their barking dog at 3am any given night. The property owner/manager is nice but the work they do in the apartments is left half-done and the workmanship is shoddy. In addition, there have been few hot showers since moving in and the heat wasn't turned on in time for the cold snap (that everyone in San Antonio talked about for a week PRIOR to it turning cold). That left us without heat in 30 degree weather. Not pleasant, especially since you couldn't take a hot shower to warm up.This place has good qualities--it's cute, the grounds are in nice condition and in an up and coming neighborhood only a half mile from The Pearl, but it needs professional management help. There's no one manning the office and keeping track of issues--absolutely no follow-up or tenant contact from management even when it's promised. I don't think this is intentional; the manager/owner in charge can't do it all and they absolutely need to hire help. For the price, we're not terribly impressed--and won't be signing another lease when ours is up.
I don't know what apartment MYOWNHERO is referring to but that does not describe the Polo Club. I am a mother with two young children. I live in the 3/2 and I have not had roaches nor cracks in the wall. My apartment was immaculate when I moved in and it stays that way because I clean my home. If you had roaches, you were filthy because these apartments have pest control come twice a month. And as far as work orders, my microwave went out on a Friday, they told me that they might not make it in til Saturday, but were able to replace my microwave that same Friday anyways. Yes, the gate is sometimes opened, but dont single out Polo Club just because you saw someone jump a fence. That sounds like a lie anyways, if you see the gates, you cant jump them! The apartment is not falling a part, they are pretty new! Sounds like your on a mission to slander a complex for your own benefit...where do you work? Westpond? I moved from there and THAT is bad management! You might be confused with another Polo Club Apartment Complex, but not San Antonio's.
I have had Nicola representing me with Liberty Mutual Home Insurance for almost a year now and I am proud to say her customer service has been superb. Nicola has to be one of the nicest representatives I have met. She is very knowledgeable and during the process was very honest about my options with coverage and prices. She has always responded promptly when I had questions and she strives to build strong relationships with her clients. As a company, my experience with Liberty Mutual has also been rewarding. I had hail damage last spring and when I called in the claim, a claims adjuster was there within two days. After a thorough inspection, the adjuster processed the claim and I had a check in hand within hours. Definitely something you don't see too often with insurance companies. While no company can guarantee they are the cheapest in every type of insurance, Liberty is by far one of the most competitive.
Wow!! Cel is a consummate apartment locator. Upon calling him, he came across as friendly and jovial and let me know exactly what he do for me. After letting him know what I wanted and what part of San Antonio I wanted to live in he emailed me within the hour with several options. He even took the time to accompany me to a few of the apartments I considered. All his suggestions met my needs so I had great options. He made the process very easy and it did not feel like a hassle to deal with him. I'm glad that he was the first apt locator I called in San Antonio. I've worked with other apt locators and have not had the best experience. If you looking for someone who is on the ball and can get you what you need Apartment Locators is the one to call. The were no fees for his professional assistance, he only asked that I put his name down as who refereed me to the apartment.
The worst mistake I have ever made was signing a second year contract with these apartment complexes, in the 22 months that I have lived here there have been three different managers and countless different Realtors, that alone should be a warning sign; their staff never seems to know what they're doing because they're mainly always changing the people, they can be nice when they want to but they have also been extremely rude as well, and I don’t know about you but I prefer to not have bipolar staff members to deal with, communication is one of their worst suits. I would never recommend these apartments to anybody, pay the extra rent for the apartments across the street, it's worth it, because in this case you definitely get what you pay for. The only reason I didn't put 1 star is because I know there are worse apartments out there.
I live @Pressa Apartment from 10/2013-10/2014 my only problem for me to move out it was because to far from my work. Never had a problem with the management or staff when I needed something fix it was done immediately, the pool was always clean and the entire complex and afordable rent the worst of my stay : # 1-No notice when turn off water because of construction I understand fixing up the complex few times went late to work .#2-Laundry Room few times put money did not work to long or to slow the remodeling .#3-To many cars over night especialy on weekends difficult to park at night the office need to provide stickers and enforce a $$$ penalty .I did like all of the events for the residents.Thanks Cindy and staff,# 1216
I have one child and picking a safe place is crucial. I've lived here for four years and love it. They have beautiful grounds they make sure to keep up with by planting beautiful flowers and palm trees. They have two separate playgrounds for my child. They have an overnight security guard who is well known and visible. The apartment staff is professional and sweet. They always greet you with a smile and are never negative. The apartment manager is very professional and fair. She really listening and gives you options in any situation. I'm only moving because I found a house. Great place to live with a family: )
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.