For multiple reasons, the majority of people who live in upstate NY do not have Glens Falls renters insurance. It could be an issue of cost, although New York renters insurance is cheap and tends to decrease in price as you go further upstate. It may just be an issue of awareness, but sometimes having renters insurance in New York can help keep a family financially afloat.
Sisson Reserve Apartments in Moreau, NY is located on Sand Hill Drive and is just a short trip north of the Effective Coverage Tower. This tight knit community is generally made up of working class families. Although this affordable community is generally a quiet and peaceful environment, it was recently bursting with lights and sirens. Around 50 firefighters from several departments all converged on Sand Hill Drive to uncover the source of a fire.
The call came in around 4:30 p.m. A mattress was on fire in one of the units. As you probably know, mattresses don’t frequently spontaneously catch fire. However, they will burn and generate heavy smoke when lit properly. When arriving on the scene, firefighters were greeted with heavy smoke. It appeared as if a child had been playing with a lighter and had managed to start the fire. Damage was limited to one apartment, but smoke permeated everything. What does a family do after a fire?
Glens Falls renters insurance can step in at a time like this and make things easier. The damage to the apartment? Covered. The damage to the smoldering mattress? Covered. Smoke damage to other personal property? Covered. It’s important to take into account that the child that started the fire didn’t have the capacity to fully understand the consequences of their actions and therefore, is not culpable. This is not an intentional act on the part of an insured, so coverage is available.
What would happen if your neighbor’s poorly supervised toddler started a fire? Would your New York renters insurance help you pick up the pieces of your broken life, or would you be scrambling to survive after the fire?
Contact Effective Coverage at (800)892-4308 to find out more about how Warren County renters insurance can help you rebuild your life if the worst ever happens, or click above for free renters insurance quotes online!