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F O U N D A T I O N Laying the groundwork for financial success 4 | SPRING 2019 Mod house remod Home design trends for 2019 You may be surprised to learn that renters' insurance typically covers all of your personal belongings, whether they're in your living room or your backpack in Bangladesh. But what it doesn't cover may surprise you as well. Before you sign on the dotted line, ask about: ➊ Replacement cost coverage versus actual cash value. Will you be reimbursed for the current market value of that new 82-inch flatscreen or just the depreciated value? ➋ Flood damage versus water damage. Floods typically aren't covered, but water damage from burst pipes, etc. are … be sure to check! ➌ Inclusions versus exclusions. Do you need to add a rider to cover your prized baseball card collection and other valuables? Now is the time to ask. — Gina Mayfield Natural wood vanities Bring warmth to the look of your bathroom with a wood vanity to counter the cold porcelain/tile mainstays of the bathroom. Freestanding bathtubs Bathtubs are back by popular demand — the freestanding tub being a popular choice. Moroccan tile floors A popular tile option for years, many designers are creating the look by painting Moroccan patterns onto concrete tiles. Renters' Insurance: What's covered?