Back to school is not really back to school this year, and with the kids — and your pets — likely staying home, at least part time, apartment insurance is more crucial than ever.
Kids and pets will find plenty of ways to create havoc.
1. You’re doing a science experiment with your kids and you accidentally start a fire in the kitchen.
Apartment insurance will cover the damage to the interior structure of your apartment — but verify the amount of coverage you have relative to the cost of repair.
2. You’re running a bath and need to break up a fight — and realize later that you forgot about the tub and now you have a flood.
You’re covered for water damage from overflows like this. And the liability portion will cover damage caused to your neighbor’s apartment below you.
3. Pent-up pets can be aggressive and take a bite out of your neighbor.
Most insurance policies will cover you if you’re sued because your dog bites someone (though not if you have a “bad reputation” breed like a pit bull.)
Gotham Brokerage has the best Yelp reviews of any New York City insurance company. If you are not insured, now’s a great time to fix that. (Remember, apartment insurance costs less than a cup of gourmet coffee every day.)
[Photos via Unsplash]