Significant other
When you both say “I do,” what you really mean is “we’re covered.” Both of your belongings are covered by your policy.
And apartment insurance is LBGTQ-friendly — domestic partners are covered automatically, and other partners can be added at no charge. (Common-law marriages are recognized by insurance companies).
Kids in college
With apartment insurance, you can give your matriculating child the gift of security. As long as they’re full time, under the age of 21, and living on campus, damage or theft to their dorm room belongings are covered (for some companies, age limit varies as well as off-campus vs. on-campus).
So all they need to worry about is waking up in time for chemistry class.
Dogs
You don’t buy apartment insurance anticipating that Sparky will bite a neighbor, but let’s face it: Sometimes neighbors can be annoying. If they are, and if he does, the damage is covered — unless Sparky has bitten before or is one of the “vicious breeds.”
Roommates?
Anyone outside of your immediate family — such as cousins, roommates, and that friend who slept on the couch a few months ago and hasn’t left — should get their own policy.
Bottom line: You shouldn’t share apartment insurance with someone you don’t know well — and trust.
Looking for fast and affordable apartment insurance? Contact Gotham today.
