After a flood the size of Noah’s Ark, I’m getting renter’s insurance!

It’s raining, it’s pouring, from…my kitchen ceiling?!

Yep, welcome to just a regular Sunday evening at my casa — except for the my-whole-dining-room-table-being-under-water thing. Well, it wasn’t THAT bad, but around 11:30p.m., water started pouring in from about five separate locations. And there was no way to stop it! There were pools of wet everywhere. I was just thankful that it happened to be primarily over the entry way, where we didn’t have too many items that needed to be moved. Also, luckily, it wasn’t stinky sewer water.

I found out yesterday that the elderly lady above me forgot to turn off her kitchen faucet — and succeeded in flooding not only her apartment, but mine and the apartment below me. Yikes. However, it did remind me of something I’d been casually thinking about getting for quite a while: Renter’s Insurance. Basically, should the leak been over my bedroom, renter’s insurance would have assured that I was able to replace my possessions without additional cost. Caus, um, yeah, my landlord certainly wouldn’t pay for it — he’s responsible for the building and that’s IT.

Where to get renter’s insurance? Any major insurance company offers it, and usually at a low rate.
Think $16/month for a Manhattan studio. But, no matter where you live it’s a really good idea. Check out this Canadian couple who came home to find that a deer had broken in, and run wild in their living room! Living room? Totally destroyed. Additionally, if you’re still not sure, About.com has a fairly thorough article on the in’s and outs of rental insurance as well.

You can bet I’ll be getting some insurance pronto after this slippery situation!

Author My First Apartment
Alissa

Posted by

I've lived in apartments in 6 cities (including 2 foreign countries). Does that make me an expert? As of now, my ceiling isn't leaking and I don't have rodents (knock on wood) -- so I'm going to say yes . . . but ask me again tomorrow:) These days, I'm enjoying life Chicago style, but my years in Brooklyn are never far from my mind. P.S. By day I work at GolinHarris, but these opinions are totally, 100% my own.

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Comments (3)

  1. Alissa

    Hey there Anonymous,

    I'm sorry that you view all my posts as complaints; I see my posts as an upbeat look into the trials and tribulations of apartment living. The posts are my first-hand experiences that hopefully my readers can benefit from learning about — be it the need for renter's insurance or why it's vital to have financially secure roommates.

    I don't have all the answers, but I'm having a pretty good time trying to make my home-life as amenable as possible. If you would like to continue this conversation, please feel free to email me at: editor@myfirstapartment.com

    Thanks for the feedback,

    Alissa

    Reply
  2. Anonymous

    All of your posts are complaints. Considering this blog is about inspiring first time apartment dwellers, I don't find your tone quite so complimentary. You offer ideas where people can find solutions, but you never offer more or do research or even show solutions.

    PS… You spelled "insurace" wrong in your headline.

    Reply
  3. Sisko

    If the upstairs lady had insurance it may cover also your damage. Check it out.

    Reply