Do you have certain limitations due to age or illness that make your participation in society more difficult? You may then be eligible for a Wmo-provision.
What does the Social Support Act (Wmo) entail?
Wmo stands for the ‘Social Support Act’. This law ensures that people with disabilities receive the help they need to be able to participate in society and to be able to live independently. In cooperation with the municipality it is determined which measures are necessary for this.
The Social Support Act (Wmo) offers support to people who need help in daily life. The care can be received in kind or in the form of a personal budget (pgb). There may be changes, on the Health Insurance 2018 page we keep track of all changes for the coming year. If it applies to this page, we will of course change it here too.
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Your possessions are more valuable than you think
According to USAA estimates, the average renter’s belongings in a two-bedroom apartment are worth $20,000, while Allstate puts the value at $30,000.
You can’t control the actions of others
As Cody Thompson, a licensed insurance advocate at GetMargo.com, points out, no matter how careful you may be with your apartment and possessions, you can’t control what others in the building do. “When you’re living in an apartment, it just takes one neighbor upstairs to accidentally leave the water on and ruin everything in your home.
Tip!
If you want to know whether you are eligible for care facilities from the Wmo, please contact your municipality. Municipalities may themselves set a number of additional conditions.
Personal Property Coverage
Renters insurance provides basic coverage of your personal property – such as electronics, appliances, clothing and furniture – if they’re damaged or stolen. However, insurance companies impose limits on personal property to ensure affordable premiums.
According to the Rocky Mountain Insurance Information Association, which represents casualty insurers in Colorado, New Mexico, Utah and Wyoming, these limits vary from an average of $200 for money, gold and silver and coins to $2,000 for firearms and $2,500 for silverware. (You may be able to get a rider or separate policy to cover a wedding ring or other heirlooms that exceed the standard limits.) The table below offers a sample of average personal property limits.
Actual cash value
Under these policies, your belongings are covered at “fair market value,” or the cost of the item minus depreciation. For example, a TV purchased three years ago for $1,400 may only be worth $600 today because of depreciation. So if you filed a claim for it tomorrow, you’d receive $600 from your insurance company, not the $1,400 you originally paid three years ago.
Replacement cost
In this case, your belongings are replaced at face value, without depreciation, up to a specified limit or replaced at the cost for something of comparable material and quality that’s used for the same purpose. Using the same $1,400 TV from three years ago as an example, if you had replacement cost coverage and filed a claim for it tomorrow, your insurance company would give you the current market value for the exact same TV.
Renters insurance provides basic coverage of your personal property – such as electronics, appliances, clothing and furniture – if they’re damaged or stolen. However, insurance companies impose limits on personal property to ensure affordable premiums.
Most insurance policies cover damages due to accidental discharge of water from a pressurized plumbing system such as sinks and toilets, but not for unpressurized lines, such as the sewer, which run away from the property. To cover water backup/sewer damage, you need to purchase a floater, individual insurance policy for certain expensive valuables or add-ons for specific items. Floaters and add-ons, however, will likely increase your annual insurance premium.
Most insurance policies cover damages due to accidental discharge of water from a pressurized plumbing system such as sinks and toilets, but not for unpressurized lines, such as the sewer, which run away from the property. To cover water backup/sewer damage, you need to purchase a floater, individual insurance policy for certain expensive valuables or add-ons for specific items. Floaters and add-ons, however, will likely increase your annual insurance premium.
Most insurance policies cover damages due to accidental discharge of water from a pressurized plumbing system such as sinks and toilets, but not for unpressurized lines, such as the sewer, which run away from the property. To cover water backup/sewer damage, you need to purchase a floater, individual insurance policy for certain expensive valuables or add-ons for specific items. Floaters and add-ons, however, will likely increase your annual insurance premium.
Optional Floaters & Add-Ons
Sometimes basic coverage isn’t enough. To ensure your most expensive and irreplaceable items are covered, you can buy floater policies to fit your needs. The table below outlines common floaters and add-ons you may want to consider when purchasing renters insurance. Many of these are offered by insurance companies for an additional cost, which is likely to vary depending on the insurer and items being insured.
Good for all renters because it covers the cost to replace or repair personal property without deductions for depreciation.
Good for all renters because it covers the cost to replace or repair personal property without deductions for depreciation.
Expert Q&A
Mark Quinn is the district director of the San Francisco office of the Small Business Administration (SBA), where he has worked for the last 30 years. Here he offers some insight and advice to those interested in securing a loan.
How does an SBA loan work?
With our main loan guarantee program (7a), a commercial bank comes to us because they have a client who wants a loan but doesn’t meet all their lending criteria. If they can get an SBA guarantee for 75-80 percent of the loan, then they will make the loan. Usually the business doesn’t meet the criteria because it is too young, it’s a startup or it doesn’t have enough collateral. These are some of the reasons the bank will say it looks like a good credit risk, but doesn’t meet all the criteria.
What if I need my loan quickly? Doesn’t the SBA loan take a long time?
From the time you first talk to the bank until you get your loan, it will usually take about 45 to 60 days, depending on type of business and the type of loan you need. Most of that time is spent going back and forth with bank. The part of the process that’s in SBA hands is relatively short.
How hard is it to get a traditional loan as a startup?
The majority of SBA loans are for expansion of existing businesses, but we fund more startups than banks traditionally do. Probably 25-30 percent of our deals are for start-ups. Some of these are for franchises, so they have a track record. Restaurants and hotels are particularly difficult to fund. Those businesses have trouble getting conventional financing without a lot of equity and a long credit history.
Optional Floaters & Add-Ons
Sometimes basic coverage isn’t enough. To ensure your most expensive and irreplaceable items are covered, you can buy floater policies to fit your needs. The table below outlines common floaters and add-ons you may want to consider when purchasing renters insurance. Many of these are offered by insurance companies for an additional cost, which is likely to vary depending on the insurer and items being insured. The table below outlines common floaters and add-ons you may want to consider when purchasing renters insurance. Many of these are offered by insurance companies for an additional cost, which is likely to vary depending on the insurer and items being insured. The table below outlines common floaters and add-ons you may want to consider when purchasing renters insurance. Many of these are offered by insurance companies for an additional cost, which is likely to vary depending on the insurer and items being insured.
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