Do I Really Need Bronx Renters Insurance?

Many people who are required by their landlords to buy Bronx Renters Insurance wonder if they really need the coverage. They think they don’t own anything, and that they’re just throwing money away. What about the things you and your family do own? Do you want those to be replaced with new items if there’s a fire or theft? What about the other people in your building? Do you want them to sue you if you are responsible for burning the building down?

Do I really need Bronx renters insurance? Let’s find out!

“Police Hunt Suspects In Armed Robbery In Bronx Apartment Building”

A man’s home is his castle, and all of that. Home is not where you’re supposed to contend with words like “armed robbery.” Nonetheless, in a building on Melrose Ave, a sixteen year old was robbed at gunpoint of his cell phone and a hundred bucks in case. While there were no injuries, with the cost of cell phones, that was a total loss of at least a thousand dollars.

Why someone thought it was a good idea to rob a teenager who only had token things worth taking, we’re not sure. How they got into the building, we don’t know. But you live in New York City, and these things happen from time to time. Having renters insurance makes it easy to comply, let them have the stuff, and then replace it with the policy. That keeps you safe and alive.

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USPS Delivery Halted Due To Rampant Mail Theft

In a Fordham building, mail delivery was temporarily stopped because someone ripped through all of the mailboxes in the building searching desperately for anything they might be able to steal and sell. Don’t forget the risk of identity theft, as well. Renters insurance can help you with identity fraud, along with the loss of whatever was stolen.

These families are without mail delivery because it just wasn’t safe and also because the thief caused significant damage to the boxes in question. Residents are now forced to walk more than a mile to 465 E. 188th to get their mail. The thief used their bare hands to pry off the front of the entire bank of mailboxes, and just flipped through the contents at leisure. People aren’t able to pay their bills if they can’t receive them, and when you live in a locked building, what does a theft like that say about the security?

Renters insurance is the only way to protect yourself from crimes you can’t predict.

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At Least 6 People Injured In Massive Bronx Apartment Fire

A five-alarm fire sounds terrifying to begin with. It took nearly 200 firefighters to knock down the one that threatened 1750 Montgomery Avenue, in Morris Heights. Multiple cuts to the roof were necessary in order to gain access to the fire. Those cuts take time, and time is not on your side in a structure fire. Every second that the blaze continues to rage, more property is being destroyed and there is more damage being done to the structure.

Every second results in more smoke and water damage, and less of a chance you’ll be able to return for a long time. In this instance, the fire was contained to only the upper floor of the building, but that was luck. Water had to be used, including on electrical equipment, which means that the damage to the building makes it uninhabitable for quite some time.

What do you do when the fire is out, and your apartment is safe, but the building isn’t fit for occupancy? Where do you go? That’s when you use your Bronx renters insurance and take advantage of the loss of use coverage on it to make sure you have alternative accommodations and your other additional living expenses are covered.

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3-Alarm Fire Rips Through Bronx Apartment Building, 20 Displaced

955 E 163rd caught fire around 8 PM, just when people are settling down for the night and the least aware they’ll be during their waking hours. The fire took parts of the roof, and at least ten apartments suffered damage preventing them from being used. Most residents lost absolutely everything in the fire. If the fire didn’t destroy it, the smoke and water damage and aftermath certainly did.

One resident noted that the fire started in a vacant apartment, and advised firefighters they’d have to break down the door to that apartment. That raises serious questions about the origin of the fire – either someone from maintenance was very negligent, there are serious problems with the building systems, or someone who shouldn’t have been in the apartment was. That raises questions about the safety of the building and risk of theft, as well. Bronx renters insurance protects against all of those risks, and more.

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Four Alarms, Five Stories, Complete Carnage

1055 Grand Concourse. It’s 4:20 AM in a five-story apartment building with quite a few units in it. Fire breaks out, of unknown cause. Where do you go? What do you do? You can’t carry anything out of the building because you’ve got to navigate five flights of stairs through heavy smoke and high risk, and worry about getting out the people you love.

There’s no known cause of the fire, no answers to be found, no rhyme or reason. There’s also no money in your pocket for a hotel, much less for new clothes you can go to work in that don’t smell like smoke and soot, or new toys to comfort your children, or… But if you had renters insurance, all of those things would be taken care of.

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Do I Really Need Bronx Renters Insurance?

We say yes. Remember that one person’s loss in your building is also your loss. Even if it’s a theft, and not a fire, it threatens your safety and security as well. Make sure you give your family the protection they deserve, and protect the things that you work hard for. Check your smoke detector batteries and check your renters insurance to make sure you have enough coverage.

If you don’t have a policy, now is the perfect time to get one and you can be covered in just one minute! Just call (800)892-4308 or click to get covered - whether you need Bronx renters insurance quotes online or coverage anywhere else!

Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.

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Photo Credit: Mark Taylor Fire at apartment complex under construction CC BY 2.0