EVERYONE, yes that's us, should have "contents insurance" if we rent a home or apartment. This is especially true for those who live in a multi-family building, or rent a coop or condo. Any of your neighbors might have or cause a fire or water damage situation that can ruin your belongings. Our great friends at Allstate Insurance on McLean Avenue in Yonkers, NY can tell you more at: 914-237-3800.
With historic storms like Hurricane Sandy and Winter Storm “Nemo,” taking aim at our Westchester County towns, it’s time to get covered. For years, I paid very little in “contents insurance” for all of my clothes, furniture, SHOES (I’m a girl), chatchkes and ALL that I owned. It was easy: I just attached my Renter's Insurance policy to my car insurance for about $10 / month, with a great agent – like Allstate’s, Francesca Reilly.
That was years ago before Forrest and I owned a home together and then bought our recent "money pit," to share with my Father and Diana (stepmom) in Westchester. We combined homes in this tough economy and while building our family owned, local business.
These days, you can just call your great agent -- like Francesca Reilly and her nice team -- and ask them to add renter’s insurance to your auto or other, existing policy.
Francesca at Allstate can tell you more, but my policy changes were usually an email, phone call or snail-mail form away...with a fax machine "chaser."
If you own your home, and have for 15 – 30 years or more, make sure that your mortgage company still has your policy in place. You may need to put additional insurance on EVERYTHING in your home, including jewelry, art and all cabinetry, as well as all things nailed down or on a shelf.
When we buy our homes, the mortgage companies often make us pay for a policy that protects them from fire or water emergencies to the STRUCTURE and none, if any, of our belongings are covered. So, get yourself a great agent like Francesca, Joe, Jr. or Senior, and have them look at your current policy for a home you own or rent.
It’s worth the time and it’s like taking that umbrella on a Monday morning, it won’t rain, but you’ll have it just in case!