What Is Malicious Damage And How Can Landlord Insurance Cover It?

Protect your property

Protect your property

Landlords do a lot more than just collect rent from tenants. A host of other responsibilities are required in order to perform the job effectively. In addition, landlords who are the owners of a property are also required to assume certain risks. Namely, any landlord who rents to a tenant must accept potential liabilities that can be caused by a tenant. A solid landlord insurance policy may be able to cover scores of damages. Questions might arise whether or not these insurance policies are also going to cover malicious damage and these questions do need to be answered.

What is malicious damage and how is it different from other forms of liability?

Damage can befall a home or apartment without any warning. Plumbing mishaps, fires, and natural disaster can all cause unforeseen problems. Malicious damage can also cause the ruination of a property, but what sets it apart from other forms of damage is the deliberate nature of it. By definition, malicious damage refers to any act of vandalism or destruction of the property rooted in anger, mischief, spite, or vindictiveness. Regardless of the reason for the cause of the damage, the landlord is going to suffer from financial losses due to necessary repairs now required. Without the proper landlord insurance policy in place, the owner of the property must incur all the costs associated with the damage.

Is malicious damage covered in a landlord insurance policy?

Malicious damage insurance

Insurance will protect you against malicious damage

Malicious damage insurance can be covered in a landlord insurance policy, but it is not a common item in most policies. Anyone who currently has a landlord insurance policy in place, should review the policy to see if malicious damage is already included. If not, then the malicious damage coverage, the coverage should be added to the existing policy. When the extra coverage is added to the policy, then the cost of the policy is going to increase. This cost might be worth the investment considering how expensive it may be to repair the damage inflicted by a tenant who decides to lash out and inflict harm on the property. Simply calling up an insurance provider and requesting a quote is all that is necessary to start the process of acquiring this helpful coverage.

 

Screening tenants is a must

Learn about landlord insurance policy

Learn about the different landlord insurance policies available

The best way to reduce the potential for dealing with malicious tenants is to screen them as carefully as possible. Generally, tenants likely to cause harm to property in the future probably have a track record of doing so in the past. That said, even with a very good screening process, acquiring decent malicious damage coverage is advised.

The amount of time it takes to have malicious damage insurance added to a policy is relatively minimal. Anyone wishing to fully financially protect their business should acquire this coverage without delay.

Uplift Your Relationship With These Quotes!

Inspiration and motivation quotes

Inspirational & motivational quotes can inspire

We all seek for inspiration and motivation in all aspects of our lives. That includes even the most complex parts whose depths we continue to uncover. Just like life in general, we need something to inspire our approach to relationships. Let these quotes become a mirror of your ideals. Remember: while there is no such thing as a perfect relationship, you can have the best one there is.
Short Quips to Arm Your Thoughts: “Where there is love there is life.”
– Mahatma Gandhi “True love stories never have endings.”
– Richard Bach “Shared joy is a double joy; shared sorrow is half a sorrow.”
– Swedish Proverb “One word frees us of all the weight and pain of life: that word is love.”
– Sophocles “When you look for the good in others, you discover the best in yourself.”
– Martin Walsh “To the world you may be just one person, but to one person you may be the world.”
– Brandi Snyder “Love is never lost. If not reciprocated, it will flow back and soften and purify the heart.”
Improve your relationship

Improve your relationship

- Washington Irving “Remember, we all stumble, every one of us. That’s why it’s a comfort to go hand in hand.”
– Emily Kimbrough “Being single doesn’t mean you’re weak, it means that you’re strong enough to wait for the right person.”
– Niall Horan Succinct Points to Ponder: “Every good relationship, especially marriage, is based on respect. If it’s not based on respect, nothing that appears to be good will last very long.”
– Amy Grant “Whenever you’re in conflict with someone, there is one factor that can make the difference between damaging your relationship and deepening it. That factor is attitude.”
– William James “However good or bad you feel about your relationship, the person you are with at this moment is the “right” person, because he or she is the mirror of who you are inside.”
– Deepak Chopra “Each friend represents a world in us, a world possibly not born until they arrive, and it is only by this meeting that a new world is born.”
– Anais Nin “If you haven’t found it yet, keep looking. Don’t settle. As with all matters of the heart, you’ll know when you find it. And, like any great relationship, it just gets better and better as the years roll on.”
– Steve Jobs “Never idealize others. They will never live up to your expectations. Don’t over-analyze your relationships. Stop playing games. A growing relationship can only be nurtured by genuineness.”
– Leo F. Buscaglia “When forever becomes a place…when forever ceases to be just a word… when it ceases to be just a measurement of time…but instead becomes a place where soul mates can dance to the song in their hearts; that is a reflection of true love.”

– Steve Maraboli “Forgive the past. It is over. Learn from it and let go. People are constantly changing and growing. Do not cling to a limited, disconnected, negative image of a person in the past. See that person now. Your relationship is always alive and changing.”
– Brian L. Weiss Moments of Reflection: “Truth is I’ll never know all there is to know about you just as you will never know all there is to know about me. Humans are by nature too complicated to be understood fully. So, we can choose either to approach our fellow human beings with suspicion or to approach them with an open mind, a dash of optimism and a great deal of candor.”
– Tom Hanks “Some of the biggest challenges in relationships come from the fact that most people enter a relationship in order to get something: they’re trying to find someone who’s going to make them feel good. In reality, the only way a relationship will last is if you see your relationship as a place that you go to give, and not a place that you go to take.”

Start fully enjoying your relationship

Start fully enjoying your relationship

- Anthony Robbins “Relationships are mysterious. We doubt the positive qualities in others, seldom the negative. You will say to your partner: do you really love me? Are you sure you love me? You will ask this a dozen times and drive the person nuts. But you never ask: are you really mad at me? Are you sure you’re angry? When someone is angry, you don’t doubt it for a moment. Yet the reverse should be true. We should doubt the negative in life, and have faith in the positive.”
– Christopher Pike Everyone strives to have a happy relationship. Along the way, challenges get in the mix. Our thoughts, our ideals, and our attitude all contribute to whether or not we’ll attain happiness. When it comes to relationships, we cannot deny this fact: some things are meant to last forever.

Different Types Of Grow Light To Suit Your Garden & Your Pocket

Types Of Grow Light

There Are Many Types Of Grow Light On The Market

If you are planning to grow your own vegetables then you will need proper grow lights too. Vegetable plants have different growth responses to different types and colors of lights. Blue light and red light have the maximum impact on the growth of the plants. Both these lights are on the either end of the visible electromagnetic spectrum. These lights affect photosynthesis the most. Blue light produces least amount of heat. It is also called cool light. Red light on the other hand produces maximum heat. Grow lights come in various sizes and prices. The cost of the light may not necessarily determine the performance, but usually low cost grow lights prove to be more expensive in long term due to the maintenance issues.

Incandescent grow lights are cheapest but require utmost care

Incandescent lights are least expensive and you can buy them for around $30 to $40. These lights need to be placed at least 24 to 25 inches away from the vegetable plant you are growing. Since these lights produce a lot of heat, you need to be very careful about their placement. There are two apparent advantages of these lights. First of all they are pretty inexpensive. Due to the affordability they are used widely. Secondly they are very easy to install. They can be very easily placed right at the spot above the plant where they are needed.

Fluorescent Grow Lights are the most favorite choice for indoor vegetable farming

Your garden indoors

Bring your garden indoors

These lights are the most popular ones among those who grow vegetables indoors. They are very popular for many reasons. They are highly energy efficient. They can produce thrice as much light as incandescent lights consuming the same amount of energy. Although a little costlier than incandescent lights, they are still relatively inexpensive. Especially when you consider their longevity, they prove to be much cost effective. A fluorescent grow light bulb can last for more than 20,000 hours, which is over 2 years. This light produces more blue light and hence it is especially effective for the growth of the seeds. Fluorescent light does not produce any heat and hence it can be placed directly above the seeds.

Full spectrum fluorescent light is nearly as good as sunlight

Even if you are growing vegetables indoors, it is highly recommended that the plants are exposed to natural sunlight for at least 12 to 14 hours in a day. Sunlight offers full spectrum which is vital for the growth of the vegetables.

Full spectrum lights are not the replacement for sunlight but they can be used when sunlight is not available. The red light of the spectrum is needed for the blooming. Therefore the combination of blue and red light ensures maximum growth.

LED grow light is perhaps the future

LED lights are the most advanced grow lights. The primary advantage of these lights is the small size and weight. They are extremely easy to install and can be used just about anywhere. They have a perfect combination of red and blue lights for the optimized growth of the plants.

Grow your vegetables indoors

Grow your vegetables indoors

There are many types of grow lights available to grow your own vegetables. Your choice largely depends upon the kind of vegetable you are growing and your budget. Most of the non-commercial growers have wide variety of vegetables at one place. For them fluorescent grow light could be the best option as it offers full spectrum and is relatively cost effective.

Detailing Services Can Save Money and Keep Your Car in Good Condition

The detailing service

Give Your Car Some Love

Owning a car also means owning certain responsibilities. One of your responsibilities is to keep your car in a fit and safe condition, not just for you but for others too. There are a lot of things that you can do yourself without having to take the car to the service station. These things include maintaining engine oil level, maintaining required tire pressure, and of course keeping a check on the fuel level. But you cannot take care of all the aspects of the car all by yourself. Your car needs regular detailed servicing to keep it fit and drivable. Here are the reasons why you must give your car a good detailing service.

Servicing is required if you want to save fuel and money

A car is an extremely complicated machine and only few can understand its functioning completely. Even at the service stations there are different mechanics for different parts of the car. Even a small amount of disturbance can affect the performance of your car visibly. If you get your car serviced regularly, you can save money.

Regular servicing means regular tuning of the car. Good tuning means more fuel efficiency. More fuel efficiency means less money spent on gas. However, if you do not get your car serviced and keep ignoring the small problems, your car efficiency will keep on reducing and you will end up wasting a lot of money on fuel.

Save big money on the repair charges

Save money on car repairs

Save money on car repairs

If you take your car regularly for detailed service, it will keep your car in a good condition for a long time. Many people keep overlooking small problems. They use the car without getting the car repaired. These small problems gradually start affecting different parts of the car. If there is a bigger damage to the engine and other parts of the car, it could mean more repair expense. If you keep getting your car serviced regularly, big problems will not arise.

Regular servicing keeps the warranty of the car intact

You may have skipped reading it but your car manufacturer may have a clause in the warranty protection terms and conditions. It is to have your car regularly serviced at the authorized service centers.

Regular servicing means getting good resale value

Regularly serviced car remain in a good condition for a long time. At the time of reselling you get much better value on the sale. However, if your car is not in a good condition, the resale value will go down.

Servicing keeps you and others safe

Of course cars are a great source of transport but they have the capacity to kill too. If you are not regularly getting the car serviced, you are increasing the risks of accidents. For example, the car’s brake system needs to be checked regularly to see if there is any problem. If you have not turned your car in for a long time, chance of brake-fail may increase. Although it is rare, still you don’t want to take any chances.

Always keep your car in excellent condition

Always keep your car in excellent condition

Even if you are not convinced with the points mentioned above (though there is no reason why you should not), you may still want to have a good driving experience all the time. It is only possible when you turn in your car for servicing regularly.

Gain More Customers For Your Business In 4 Ways!

Managing your own business

Managing your own business

Managing a business alone is a pain in the neck and there are a lot of chances your business will fail before it has even started yet. Even managing home based businesses do not come easy, too – especially given the limited resources. However, this does not mean this kind of business do not persevere in this harsh market. As a business owner, you can still deliver your message to an audience and gather more people to appreciate your product.

Do self-assessment

Before anything else, you have to assess your brand first. Identify why people buy from you and how they are actually benefited from the products and services that you offer. What makes you any better from your competition? What is your brand’s edge? By answering these questions, you will gain better understanding of the purpose of your business and how you can truly promote this to gain a larger audience.

To get more customers, you have to know them

Attract more customers

Attract more customers

First of all, identify who you want your target market could be. Look at it from all aspects possible. For example, your location will impact your market greatly. If you live in an area where there a supermarket is not in sight within a couple of miles, you be that supermarket that they need. Observe the way your customers live and look at their needs. In fact, you can even have multiple target markets if your product allows. Focus on how your products can benefit your audience. When you do so, that’s when you gain not just customers, but the most loyal ones, too.

Deliver a “meaty” message

Bear in mind that your customers has had enough of all those cheesy promotional messages they always see on most commercial businesses. Because of this, make your message more meaningful. Show something that will tell your potential clients why they have to buy you. Your message must contain your strengths and what sets you apart from other related brands. In order to deliver your message and make sure they interpret it correctly, speak the “language” of your target market. Communicate at their level and say what you think they want to hear. Get rid of false information to try to sell your product quickly; your soon-to-be clients will probably sense this.

Always consider your budget

Do not allow your budget to drain just on one area only, say, for advertising purposes. You need not compromise your business’ financial stability just to deliver your message. To avoid drowning in unnecessary expenses, arrange a budget for business promotion properly and expose it to as much media only as your finances allow. To make this possible, focus your exposure only to your target group. If they are only within the area, distribute brochures and print ads to places within the area only. Be rational in how you spend your money on advertising.

Be successful in what you do!

Be successful in what you do!

There is a very little chance your small business is going to be a surefire hit overnight. You also have to invest much of your time trying to win your customers’ hearts and keep them on your side. It is not going to be easy, but following these steps will get you those customers in just matter of time.