I’m Tom, And I Need New Jersey Renters Insurance Because…

I expect a bit more from an apartment community of this level.  I expect to be secure in my person and my effects, and I expect for employees to be the type of people I can trust.  With this one exception, they have been, but it only takes one to ruin that feeling of safety and security.

I’m Tom, and I need New Jersey Renters Insurance because I live at Alexan CityView in Bayonne.  For the money I pay, I expect my home to be secure.  When the burglaries were attributed to the maintenance engineer, that was a huge shock to me.  I know he’s just one bad apple, but I feel better knowing that I have a policy to cover me just in case.

I never expected something like this to happen here at Alexan CityView.

New Jersey Renters Insurance protected me when there was a burglary.  At the time, we didn’t know exactly when or how it had happened because, like most people here, I was at work at my office in NYC.  There wasn’t a great deal to go on.  It turns out they were able to locate some of the stolen jewelry at a pawn shop nearby, and he used his own ID to pawn it.  Probably not the greatest move on his part, but that’s neither here nor there.

I’m a young professional, and I thought I was immune to things like this because I live in an upscale community with a great deal of security and safety measures in place.  I always figured it wouldn’t be me that this happened to.  It turns out I was dead wrong on that.  After all of this started happening, I figured it might be time to look into renters insurance again.  Not only does it cover the Alexan CityView burglaries that have been terrorizing the community, but it also keeps me safe in other ways.

When I reached out to Effective Coverage to see if I should buy renters insurance, they let me know that it’s not just for personal property.  If I cause a loss to someone else because I don’t follow best practices, there’s coverage for that.  There’s even defense coverage for negligence.  It’s a very comprehensive policy, and I couldn’t believe it when they told me how little it costs – I pay $150 a year for $20,000 of personal property coverage and $300,000 of liability.

I guess what I’m thinking is that I should have had  New Jersey Renters Insurance all along.  I’d have to live nearly a century from today without ever filing a claim in order to not come out ahead with the insurance – at thirty-five years old, that’s not a gamble I’m willing to take.  It was easy to get covered, too.  I called Effective Coverage, because I had lots of questions, but I looked at their website afterwards and it’s a 60 second process to get a quote.  Why didn’t I do this years ago?