After a fire, some people are able to take some time to retrieve at least a few of their undamaged things.
Generally, arrangements can be made with the fire department and building management or owners. But that’s not always the case. Often, the building is entirely unsafe for anyone to enter and must be demolished with all the contents inside.
Other times, the building is treated as a crime scene and no one is allowed entry. Still, other times criminals get to the contents of the building before residents are able to and steal anything not already burned to ashes. One way or another, those things are lost.
What Can I Do After An Apartment Fire?
Have you ever wondered what you would do if you suffered an apartment fire? Where would you go? How would you pay for temporary lodging?
Standing By Watching Helplessly Is Painful
It’s bad enough to have your property lost to a fire. It’s much worse to be standing outside the building knowing that your apartment wasn’t destroyed by the fire, but not being allowed to get anything you own out of the building. Then you get to watch the wrecking ball come in and destroy the entire building, with your stuff still inside.
What then? Everything is lost, even though the fire itself didn’t do it. That’s where renters insurance comes in. Often, the fire damage would be considered to extend to property that you’re unable to safely or legally retrieve as a result of the fire. But, did you know there’s an endorsement that can give you even better coverage for that loss?
There’s An Endorsement That Protects You Even More
If you have the “Enhanced Home Package” on your renters insurance the perils named in the policy, such as fire, are replaced with verbiage along the lines of “We insure against risk of direct physical loss”. That means that you don’t have to find coverage under the fire peril when your property is still inside as the wrecking ball comes down. Coverage already exists. Generally the cost of this endorsement (which gives you “open perils” on your renters insurance) is about a dollar a month.
Consider how you’d feel with property in perfect condition remaining in the building as it collapses in a long instant. How would you feel watching debris being carted away, and seeing your personal property just a few meters away, but completely inaccessible to you?
Renters insurance is a crucial part of the life of every apartment dweller. Whether you have a few things or all the personal property you ever wanted, what you have is important and a big part of your budget went to accumulate it. Protect it today by calling Effective Coverage at (800)892-4308 or clicking above for instant online renters insurance.