Wednesday, July 27, 2005

Get Renters Insurance

This was my apartment building seven and a half years ago, one of the most frightening nights of my life. But I was one of the lucky ones because I had renters insurance (thanks to Mom -- see, I acknowledge you once again for that) and was able to start over, even if I was under-insured. You have no idea how expensive it is to start from scratch (and I do mean from nothing). Renters insurance is cheap. Get lots of it. If you're really smart, take video inventory of all you own and keep it at a friend's house or in a safety deposit box. You'll be making your life so much easier.

14 Comments:

At 9:01 PM, Blogger SEAWITCH said...

Good advice Esther. Thank goodness for Moms!! And thank goodness you weren't hurt!

 
At 9:10 PM, Blogger Esther said...

Thanks, Seawitch. I suppose I should say something about that -- no humans were hurt. We sadly lost a few pets (most from the 5th floor; I was on the 4th and my little kitten was fine since I was home at the time).

 
At 9:43 PM, Blogger Mark said...

It looks like a castle, with crenelations and everything. Not to make light of your tragedy. This happened to a friend of mine.

 
At 9:47 PM, Blogger Esther said...

Mark, it was the coolest building with a view of the Hudson River (of course, not from my apartment, lol). It was guarded by lion statues in the front and up on the roof, there were gargoyles. It was way cool. I hear it's been rebuilt since (only the 5th floor burned down--taking 12 hours to put the fire out), but I've moved 3,000 miles away.

 
At 10:26 PM, Anonymous Felis said...

Esther,
How did it start?
I am so glad that nobody was hurt.
Sorry about those pets.
And wasn't you kitty lucky!

 
At 10:40 PM, Blogger Esther said...

felis, my brilliant upstairs neighbor was decorating pine cones (it was Dec. 15th) with that aerosol spray snow -- near an open flame. POOF! Funnel cloud of fire out the kitchen window. She wasn't the sharpest tool in the shed. She used to staple her trash to the ceiling.

 
At 6:02 AM, Blogger Always On Watch said...

She stapled her trash to the ceiling???

In 1993, shortly before his brain surgery, my husband lost "the family homestead" in Pasadena to the wildfires that October. My mother-in-law had no fire insurance whatsoever!

All living creatures escaped safely, but the house, as mansion really, was a total loss. The fire was so hot that it melted down the jewelry stored in the crawlspace safe, which was SUPPOSED to be fireproof; also the house, with all its antiques furnishings and wall tapestries, combusted from the inside in the intense heat. The fireproof construction, cinder block, didn't save the structure. The only material items saved were the Remington bronzes.

Good post, Esther! Everyone should have fire insurance--including renters.

 
At 11:10 AM, Blogger Gindy said...

Renters insurance is a great idea.

"felis, my brilliant upstairs neighbor was decorating pine cones (it was Dec. 15th) with that aerosol spray snow -- near an open flame."

Not exactly the sharpest tool in the shed.

 
At 4:41 PM, Anonymous Felis said...

"She wasn't the sharpest tool in the shed."

One person demolition team.

Why did she staple trash to the ceiling?

Esther, don't try to answer - just amazing.

 
At 9:58 PM, Blogger patrickafir said...

Jeez, what a conflagration. It looks like the Turks assailing Constantinople.

It looks like your Mom was looking out for you. This same thing happened to my brother about ten years ago. He lost everything, including one of my guitars. Drats! I'd be running out the door with my computer and the dogs. lol

 
At 7:42 AM, Blogger birdwoman said...

fire scares me, but at least no people were hurt.

aerosol and open flame. Did they charge her with anything? Like stupidity?

(*)>

 
At 7:57 AM, Blogger Esther said...

Thanks AOW. How scary since it was supposed to be fire proof! Yikes! Yeah, they'd been trying to commit her for the last year.

gindy....soooo true...

lol felis...i couldn't answer that even if i tried...she made little sense. She also used to run down the street (in the middle of it) at 4am screaming while wearing a bikini....in the winter! Oy.

patrick, sorry about your guitar. That sucks! I should have taken more when I left but the fire trucks got there immediately and I didn't think it would take much to put the fire out. It ended up taking 12 hours!

BW, no charges were filed but she was heavily insured so that worked out. She wanted to be committed after that cause she thought we'd lynch her. No one wished her ill though...we all knew she was crazy.

 
At 11:09 AM, Anonymous Anonymous said...

You're not kidding.."Thank goodness for Moms". NOW, no talking on cell phones while driving!!
Mom

 
At 11:47 AM, Blogger Esther said...

Mom, if you don't want me to talk on the phone while driving, that's going to put a serious dent in our phone time. ;)

 

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