For more information about the author, click to view their website: Laurel Flowers - State Farm Insurance Agent
How do I know how much renters insurance to buy?
Tips to help choose accurate, appropriate limits for your
personal property and liability coverage.
You've followed your rental guide and it's time to move in!
Your furniture is in place, the utilities are hooked up and your rental unit is
starting to look like a home. And now you might be asking yourself — do I need
renters insurance? It is estimated that 56% of renters do not have renters
insurance.
A renters policy is more important, accessible and affordable
than you might think, and in some cases, renters insurance is required by
landlords. But renters are often unclear about what renters insurance is, what
it covers and how much they need.
What does renters insurance cover?
In short, renters insurance covers what you own. Most
landlord's insurance covers only the building and damages due to negligence.
Getting coverage for some of the most common causes of property damage and loss
— such as theft, vandalism and fire — is entirely up to you. Without renters
insurance, you may have to bear the financial burden of a loss on your own,
including the cost of a hotel stay if you cannot live in your apartment while
repairs are made.
Want to protect your stuff?
Most renters' belongings cost more than they think. The
average person has $30,000 worth of belongings that are probably not covered by
a landlord's policy. Take a moment to add up the approximate cost of your
computer, television, stereo, furniture, jewelry and clothing. If a fire gutted
your apartment tomorrow, would you have the cash to replace it all?
Renters insurance also covers much more than just your
personal property. The average policy can include up to $100,000 in liability
coverage. That means in the event of a covered loss, your insurer will help
cover the costs if you're held responsible for injuring another person or
damaging another person's property. Moreover, this coverage applies whether the
incident occurred within your residence or elsewhere.
Be sure you have coverage against the unexpected with renters
insurance. Get a free quote now.
How much renters insurance do I need?
Renters insurance is relatively inexpensive. According to
NerdWallet, the average renters policy costs about $15 per month for up to
$30,000 in personal property coverage. That's solid coverage for less than the
cost of a few cups of coffee a week. Here are some tips to help you determine
your insurance needs.
Complete an inventory of your possessions. Personal property coverage is
probably the main reason most purchase a renters policy. The coverage will
reimburse you for covered loss, damage or theft of your personal possessions up
to a certain dollar amount. Completing a home inventory is a good way to
determine how much property coverage you need. This inventory lists your
personal possessions, along with details about their age, purchase price or
current value and other identifying information. While you’re at it, take
pictures or a video of your property.
Check with your insurance agent about discounts. Many insurers offer significant
discounts if you buy more than one policy with their company. For renters, this
usually means purchasing auto insurance with a renters policy. But life,
business and other plans may also qualify.
Choose the right deductible. A deductible is the amount of a
covered loss that you pay out of your own pocket. In other words, it's the
amount "deducted" from any payout by your insurer. For example, if a
fire causes $1,500 in insured damage to your personal property and your
deductible is $500, then your insurer will pay you $1,000.
Your renters insurance premiums will reflect the deductibles
you agree to pay. Lower deductibles mean higher premiums; higher deductibles
mean lower premiums. Keep in mind that an insurer will not reimburse you for a
loss amount that is lower than the deductible. This means if your deductible is
$2,000 and you suffer $1,750 in losses, then you are entirely responsible for
those costs, even if the cause of the loss is covered by your policy.
When choosing a deductible, think carefully about the
out-of-pocket costs that you are willing, and able, to pay. A disciplined saver
may be able to offset the greater risk of a high deductible with cash reserves.
Others, however, will have to balance the benefit of a higher deductible
against the risk of greater out-of-pocket expenses.
Assess your liability. Your renters policy's liability coverage may protect you if
someone injures themselves in your home. It may also protect you in case you
cause damage to others' property. Some policies will pay for defense and court
costs in addition to settlement costs. The typical renters insurance policy
offers $100,000 in liability coverage. For renters, this amount is often
sufficient. However, if you entertain company frequently at your home or if
your assets exceed your limit, you should consider a coverage amount equal to
at least the total value of your assets.
Supplement coverage if necessary. Keep in mind that your policy will
exclude certain perils (such as earthquake and flood losses), limit coverage on
some items (such as computers, firearms and silverware) and might not cover a
business in your home. If you have special insurance needs, talk to your agent
about extending limits or adding separate policies.
And finally, where your apartment is located will play an
important role in determining your renters insurance rates. Prices will vary
based on your state, city and neighborhood. Safer locations might mean lower
rates, so renting in a low-crime area near a fire station might save you money.
Your rates will also reflect the safety of the rental property itself. For
example, an older, unrenovated building might have a higher risk of electrical
and plumbing issues, and that can mean higher rates. Fortunately, steps as
simple as installing smoke detectors and fire extinguishers in your apartment
may mean real savings, even if you do rent an older property.
This article was contributed
by Laurel Flowers State Farm Insurance Agent located in Saraland, Alabama. You can contact Laurel Flowers State Farm
team for a renter’s insurance quote.
Call 251-675-4736.
The Best Bathroom Paint Colors For 2025If you love using color in your home, 2025 is the year for youespecially when it comes to bathroom paint color trends. The timeless, gleaming white bathroom aesthetic has competition this year as bold colors are at the top of every top trend list. Ranging from warm peach to luxurious jewel tones, rich color is finding its way onto bathroom walls, cabinetry and accessories. However, that does not mean neutrals are dead far from it. This years crop of color trends truly offers something for every taste.Despite the plethora of options, choosing bathroom paint colors does not have to be difficult. To keep yourself from being swept up in the many paint options and bathroom color ideas that you see online, it is helpful to start by thinking about color in terms of style: trendy, traditional or timelessness. This guide will help you select the best bathroom paint colors for your homes style and your personal taste.How to choose a bathroom paint color? Start with your style.Staying true to your style is important when choosing paint colors: straying too far from your preferences could lead to a less satisfying result. Thinking about your style as you make your color choices will help you find the right shade for your home and your family. Let us start by describing the key style categories, and what each means when it comes to bathroom designs and colors: Trendy: Trendy bathroom color ideas and designs are circulated widely on social media as well as in interior design blogs and magazines. Trendsetters re-think fixtures, finishes and color schemes, providing fresh ideas and inspiration for your project. Alternative metals, innovative features and new colors are the hallmarks of the trendsetting style. Traditional: Traditional bathroom styles feature neutral palettes, polished brass or chrome fixtures, wood cabinetry and natural (or natural-looking) stone counters. While white linens are the traditional choice, the neutral colors of the traditional palette are flexible, enabling you to inject added color into the room with bright artwork or colorful linens. Timeless: Timeless style is simple and balanced and allows you to make simple modifications to update the look of a room. The clean white bathroom is a classic example of a timeless look. Crisp white tile, cabinetry and fixtures do not go out of style and are easy to accessorize. The top bathroom paint colors for 2025There is something for every style, aesthetic and personal taste among this years color trends. Whether you are planning an all-out, maximalist remodel or prefer your bathroom to be a soothing oasis, 2025s color trends offer everything from bold hues to a fresh look at calming neutrals.A peachy pick is the top color trendA good place to start when it comes to bathroom paint color choices is the 2025 Pantone Color of the Year, a soft peach shade aptly named Peach Fuzz that is setting the tone for current color trends. Unlike recent years which featured intense shades of fuchsia, periwinkle and yellow, Peach Fuzz ushers in a range of livable, sophisticated colors that nod toward nature and complement the increasing popularity of natural-looking stone and wood accents.One word about on-trend colors: you do not have to stick to the exact shade or palette! Feel free to interpret the trends according to your personal taste. Peach Fuzz, for example, sits between pink and orange on the color wheel and can be easily nudged in either direction, toward terra cotta for an earthier feel, or toward pink shades which are infinitely flexible and flattering.Shades of peach and apricot also pair beautifully with white, neutrals and with the next trend category: jewel tones.Vibrant jewel tones are back in styleWhite-on-white bathrooms and kitchens have been on trend for years and are always timeless. However, for 2025, bold color makes its return. Rich jewel tonesdeep emerald, rich topaz, dark sapphire, dusky ruby and velvety dark shades of plumare being seen on bathroom walls, cabinetry and accessories.These vibrant hues stand in stark contrast to the neutral palettes that have been popular for the last several years. Whether used as accent colors or as the focal point of a design, jewel tones can stand alone or play well with neutral colors.Spa-like neutrals define in-home retreatsWhile strong colors are making the headlines for current bathroom color trends, that does not mean that neutral palettes are out of favor. Warm and soothing shades of beige and taupe are fresh choices for those seeking a more tranquil and traditional bathroom look.When thinking about a neutral palette, do not be afraid to look at darker neutral shades. Mid-brown shades of taupe, for example, can be striking when paired with white for a tailored look, or provide a soft background for other accent colors.Which bathroom color trend is right for you?The current years trends offer a multitude of color options and interpretations for every style. To help ensure you are happy with your color choice, keep the following tips in mind: Always test the paint color in the room you are going to paint. Colors can look vastly different on a swatch or in a store than they do on your bathroom walls. Always test a small area first. Do not ignore your lighting. Lighting dramatically affects how a paint color looks in a room. Natural light can make colors appear differently than artificial light. Not considering how the color will look in your bathrooms lighting conditions can lead to unexpected results. Consider the size of the bathroom you are painting. Using dark or very bold colors in a small bathroom can make the space feel cramped and smaller than it is. While these colors can be striking, it is important to use them wisely in smaller spaces. (More on picking paint colors for small bathrooms is below!) Do not forget the paint finish and moisture resistance. Choosing a moisture-resistant paint is the first order of business when it comes to painting your bathroom. However, the finish of the paint (gloss, semi-gloss, matte) can also have a significant impact. Glossy finishes are easier to clean, for example, but they also highlight any imperfections in the walls. Matte finishes, on the other hand, can be easily spotted if splashed with water. Small bathroom paint color tipsWhat is the best color for a small bathroom? The answer depends on a few things, from the lighting in the room to (as always!) your own taste. When choosing a color for a small bathroom, several factors should be taken into account to make the space feel welcoming and avoid feeling claustrophobic. Here are some key things to keep in mind: Light colors: Lighter colors can make a room feel more spacious. Soft whites, neutrals and pastels can brighten up the space and give an illusion of it being larger than it is. You can interpret color trends by using a lighter shade of a bold color on the walls and using a darker shade sparingly in accents or accessories. Cool tones: Cool blues and greens can create a calming and refreshing ambiance in a small space, and they often reflect light better, contributing to a more open feel. Consistent or monochromatic color scheme: Using a consistent or even monochromatic color palette can help the space feel unified and expansive. If you choose to have multiple colors, make sure they complement each other and keep contrasting colors to a minimum. Accent wall: An accent wall can be a terrific way to use color strategically in a smaller room. Painting one wall in a bolder or darker shade can add depth without overwhelming the space with a dark color. The right color can transform your bathroom, turning it into a sanctuary or highlighting beautiful design and materials. Whether your style is trendy, traditional or timeless, this years color trends offer beautiful options for all baths, regardless of size. Keep our tips in mind, and if you need more ideas, schedule a free bathroom design consultation with one of our professionals. Schedule a free, in-home design consultation today with your Local Re-Bath location at 251-220-9284. Servicing Baldwin, Clarke, Conecuh, Escambia, Mobile, Monroe & Washington counties in Alabama.
Inspiring Seniors Who Are Redefining What It Means to AgeYouve got to get to the stage in life where going for it is more important than winning or losing. Arthur AsheAging is not a limitation; its an opportunity to embrace life with wisdom, experience, and newfound purpose. Theres a survival benefit to resilience, Dr. Susan Friedman, director of geriatrics and aging at the University of Rochester School of Medicine told AARP. People can reframe their situation and make the best of it.Making the best of things, particularly as seniors age and live with a serious or chronic condition, is the message of AARP National Geographics Second Half of Life study. Given the rise in popularity of older influencers (aka granfluencers) on social media, younger generations (were looking at you, Millennials and Gen Z) are taking in their lessons of aging well and adopting their attitude that age is just a number.Members of our professional teams at Amada Senior Care franchise offices around the country have had the honor of witnessing countless older adults who shatter stereotypes and redefine what it means to grow older. Their stories inspire us all and challenge the outdated notions of aging as a period of decline.Who Are Super Agers?Super agers are individuals aged 80 and older who exhibit cognitive and physical abilities on par with people decades younger. Studies have shown that super agers often have thicker brain regions related to memory and attention, which helps them maintain sharpness as they age. These remarkable seniors prioritize mental and physical health, often engaging in challenging mental activities, staying socially connected, and leading physically active lives. Their resilience and commitment to lifelong growth serve as an inspiration for all generations.Embracing Lifelong LearningMany seniors are proving that curiosity and the desire to learn never fade with age. Take, for example, 75-year-old Marcia, who decided to pursue her lifelong dream of earning a degree in art history. Not only did she graduate with honors, but she also inspired her grandchildren to value education and chase their dreams fearlessly.Seniors like Marcia remind us that its never too late to start something new. More inspiration comes from famous lifelong learners like artist-scientist-sculptor Leonardo da Vinci and mother of modern physics and two-time Nobel Prize winner Marie Curie.Breaking Barriers in Health and FitnessAge is just a number for individuals like Harold, an 82-year-old marathon runner who competes in events worldwide. Harolds commitment to physical fitness and healthy living serves as a beacon of hope for others looking to prioritize their well-being.With tailored exercise routines and proper guidance, seniors can defy physical limitations and enjoy an active, vibrant lifestyle. In the news is Gwen McFarlan, a world-record-holder runner at 89 years old, who plans on running her 26th full marathon next year at age 90.Giving Back to the CommunityRetirement doesnt mean stepping away from purpose. For 68-year-old Eleanor, it marked the beginning of her philanthropic journey. After retiring from a successful career in education, she launched a community tutoring program to help underserved children improve their literacy skills. Her efforts have touched countless lives, proving that the golden years can be a time of giving back and making a difference.A lifelong philanthropist, investor Warren Buffet gives millions to foundations each year at during the Thanksgiving season, and instructed his children to distribute the rest of his holdings upon his death. He has encouraged fellow millionaires and billionaires to donate at least half of their wealth.Redefining CreativityA study by the National Endowment for the Arts found that seniors who made art or crafts and attended cultural arts events in tests showed higher cognitive functioning abilities, along with lower rates of hypertension.From painting to writing memoirs, seniors are exploring their creative sides in inspiring ways. At 103 years old, Louis continues to explore his passion for woodworking. His work has not only brought him joy but also provided a meaningful way to stay connected with his community.Building Strong ConnectionsStaying socially active is a cornerstone of aging well. Seniors who cultivate strong relationships and participate in group activities often report higher levels of happiness and fulfillment. Whether its joining a book club, attending dance classes, or traveling with friends, seniors are finding innovative ways to stay engaged and connected.Barriers to Aging WellWhile the opportunities for thriving in later years are abundant, some barriers can make aging challenging. Common obstacles include: Health Issues: Chronic illnesses, limited mobility, and cognitive decline can impact quality of life. Social Isolation: Loneliness is a significant concern for many seniors, especially those who live alone or far from family. Financial Constraints: Limited income or savings can restrict access to healthcare, nutritious food, and recreational activities. Access to Resources: Lack of transportation, inadequate community programs, or difficulty navigating technology can hinder seniors from staying engaged and supported. Addressing these barriers is critical to ensuring that all seniors have the opportunity to age with dignity and purpose. Support networks, including family, caregivers, and community organizations, play a vital role in overcoming these challenges.Aging in Place with SupportWhile independence is important, aging successfully often involves seeking the right support. At Amada Senior Care, we understand the value of compassionate care that empowers seniors to live their best lives. From personalized care plans to community resources, our mission is to help seniors embrace this chapter with confidence and dignity.Celebrate the Possibilities of AgingAging is not lost youth but a new stage of opportunity and strength. Betty FriedanAging at its best is about seeing the possibilities instead of the limitations. Its about finding joy in the journey, continuing to learn, and leaving a legacy that inspires future generations. To the seniors redefining what it means to grow olderwe salute you. Your stories remind us that aging is not an end but a beginning of new opportunities to thrive.Lets celebrate the achievements and contributions of seniors around us. If you or a loved one are looking for ways to embrace aging with support and inspiration, were here to help. Together, we can redefine what it means to age well. Contact Amada Senior Care serving Baldwin & Mobile Counties at 251-305-4500 for in-home caregiving, financial care coordination, and finding senior living.
How to Prevent & Treat Joint Pain Most of us never think about our joints until they start to hurt. As we age, we lose strength and flexibility in our tendons and ligaments. As our joints get tighter, it may become harder to move. The cartilage between our bones of the joints also starts to break down; this leads to inflammation and osteoarthritis, the most common joint disorder. Taking care of your joints can help reduce joint pain and stiffness. Five Tips to Keep Your Joints Healthy 1. Stay at a healthy weight. Carrying extra body weight puts strain on thejoints, especially the knees. On the flip side, being underweight can lead to a lackof muscle, which helps keep your joints strong and stable. Aim for a healthy weightbased on your height and body type. 2. Exercise every day and make sure to warm up before and cool down after.You may think it's better to limit exercise if your joints are hurting, but regularmovement and exercise is one of the best ways to prevent and help joint pain.Exercise strengthens the muscles around joints, helping to take pressure off them.If you have joint pain, stick to low-impact activities like biking, swimming,and walking. The more you move, the more likely youll keep moving without painand stiffness as you age. It's also important to stretch before and after you exercise to loweryour risk of straining joints and muscles. Just five minutes of stretching beforeexercise to warm up your joints and five minutes after to cool down will helpprevent workout injuries. 3. Add anti-inflammatory foods to your diet. A Mediterranean diet richin fruit, vegetables, whole grains, beans, and healthy fats reduces joint pain. Addthese other anti-inflammatory foods to your grocery list: Tomatoes Olive oil Green leafy vegetables, like spinach, kale, and collards Nuts like almonds and walnuts Fatty fish, like salmon, mackerel, tuna, and sardines Fruits, like strawberries, blueberries, cherries, and oranges 4. Make sure you're drinking enough water. Your bodys cartilage thatcushions your joints is made up of 80% water. When you get dehydrated, yourbody starts pulling water from other sources, including cartilage. This leads to jointpain and a greater risk of injury. 5. If you smoke, it's time to quit! Smoking is a risk factor for everything, fromheart and lung problems to cancer and joint pain. Smoking increases inflammationthroughout the body. This makes it harder for your body to heal if you injure yourjoints. To quit smoking, seek support and a treatment plan from your Primary CareProvider. His or her phone number is on the back of your Viva Medicare ID card. Contact Viva Health to find out more about Medicare Plans in the Alabama area. Call 800-633-8472 to find out more!
In 2023, Laurel Flowers State Farm excelled in delivering insurance to you and your loved ones, earning recognition for outstanding customer satisfaction and achieving key milestones. With a commitment to continuous improvement, we look forward to what 2024 has to offer and continuing our mission of providing you with the service you and your loved ones deserve.As a hometown resident of Saraland, AL I am proud to serve the Mobile, AL area including Saraland, Satsuma, Chickasaw, Semmes, Bay Minette, and even the Eastern Shore area. However, our customers expand all over the Alabama area and in to Mississippi. I am a graduate of Satsuma High School and went on to earn undergraduate degrees in Mathematics and Business Finance as well as a Masters in Business Administration from the University of Mobile. Ive been in the insurance industry since 2008 where I got my start working in a small agency in Daphne, AL. From then on it was my dream to one day open my own agency. After years of saving and learning the business I was able to open Laurel Flowers State Farm in the heart of my hometown Saraland, AL. Since then weve grown to a team of 7 licensed insurance professionals that care about this community!Our agency strives to do things differently. It is my job not only to have a relationship with our customers and provide excellent customer service but to create value for them by helping create a personalized plan to protect their income and assets and help them achieve their goals. We can help with car insurance, homeowners insurance, renters insurance, life insurance, accident insurance, and small business insurance as well as boat insurance, atv insurance, trailer insurance, and other recreational insurance policies.Our customers love that they have the option to text us or meet virtually and can talk to local people when they have a problem or concern, and that we are so heavily involved in giving back to the community. I was proud to be nominated for Saraland Citizen of the Year in 2019, 2020 and 2021! I have also loved serving on the board of the Saraland Area Chamber of Commerce as their current President. I believe it is important to give back to the community youre in so we support many local sports teams such as the Saraland Volleyball team, Satsuma baseball team, Saraland little league teams, Saraland Soccer Academy, Saraland Middle Cheerleading, Saraland Marching Band, and many others. Weve donated bikes to Chickasaw Elementary to encourage perfect attendance and our entire team showed up to paint the school when asked.Insurance Products Offered:AutoHomeownersCondoRentersPersonal ArticlesBusinessLifeHealthPetOther Products Offered:BankingMutual FundsAnnuitiesWhen and where our community needs us, we intend to be there. When you choose us for your car insurance, home insurance, life insurance, or accident insurance you are helping support these local initiatives. Give my office a call today at 251-675-4736 and talk to one of our exceptional team members about your insurance.