It’s like $12. Totally worth it. (Reddit)
Yeah, that about sums it up. So you never have a claim. You’re out, what, the cost of a pack of smokes? ($11.50 for Newports on Long Island!)
Something every adult should do. I have friends whose apartment caught fire… Twice. Both due to fires from adjoining units. Renters insurance saved them. (Reddit)
This is exactly the sort of double-whammy that happens when you live in close proximity to many other people. Long Island apartments tend to be very, very densely populated. This means that you have a ton of neighbors you know nothing about, some percentage of whom care not a bit for the consequences of their ill-considered actions. It’s not farfetched to believe that you could have one of those above you, one below you, and one on each side. Long Island Renters Insurance protects you from losses caused by those people, as well as from losses that just happen. We believe that the latter is called “life.”
If you also have auto insurance with them, you get a discount! On average, renters insurance is about $190 a year, depending on the size of your apartment. (Yelp)
Actually, it’s often a little less expensive than that, but the fact that that’s an acceptable number to this poster tells you what people think of renters insurance on Long Island. They see the value in it, and they know it will be there for them when they need it.
Everyone should get renters insurance! Covers theft, damage (those people who lost all their stuff because of the crane collapse did NOT have renters insurance). It covers other stuff like hotel costs if something renders your apartment uninhabitable. If someone in your apartment injures themselves and sues you (friend, foe, repair person, etc.) then you’re covered for the legal expenses and stuff. (Yelp)
“And stuff” includes legal expenses and the cost of the judgment or claim, generally, just for the record. Otherwise, a fairly strong description from “some guy on the internet” as to why you need renters insurance and some of what it covers. As far as loss of use (“hotel costs if…”), that’s simply triggered by a loss covered under the policy. It’s broad, and crucial – you know what hotels on Long Island cost.
Don’t get burned by not having renters insurance. A man lost almost everything in an apartment fire Saturday night. The American Red Cross said it’s seeing more and more renters not taking proper steps to insure their belongings. (Facebook)
That’s interesting, because we’ve actually seen an uptick in the number of insured renters nationwide. That does vary by demographic, however. But when TV news, the Red Cross, and random commenters on the internet all believe it’s a good idea and even just part of being an adult, you can tell what people think of renters insurance on Long Island.
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