You can actually take more from your renter's insurance other than claims for fire incidents and burglaries.
The following are just some of the unexpected - and financially painful - scenarios that will make you thank heavens and earth for having renter's insurance by brickunderground.com:
1. You went to the dry cleaners and they didn't just clean your clothes, they put them up in smoke too. You just wish you can still find another Cashmere sweater at 70% off.
2. It was rush hour and you completely didn't see that guy in neon orange Dry Fit and ran into him with your bike - of course you he sued you. Thankfully, you have renter's insurance.
3. Your luggage gets lost - for the umpteenth time.
4. You miniature Schnauzer was fed up with everyone telling him how cute and adorable he is that when the 168th Canadian tourist tries to snap a photo of him, Howie the Schnauzer gave the tourist more than just a snap of his good looks, but a mark of his teeth on his arm as well.
5. You have a friend come over and you forgot to take your bag of grocery (because you're cooking him some delicious pasta!) from the floor and he trips over it and breaks a newly capped tooth. Your renter's insurance will take care of that tooth.
6. For some magical reason, someone was able to find their way into your basement storage and thought it was funny to ride off on your new ($2000-dollar) mountain bike.
7. You are filling the bathtub and being great at time management, you thought it would be wise to cook up a quick dish while that happens. Unfortunately, the tub overflows in the apartment below.
8. While your toddler is the cutest little munchkin in the world, you would appreciate if he stops flushing hotdogs down your toilet so you don't flood the apartment below - again. Renter's insurance, hello?
9. Someone in the building plugs too many appliances into an outlet and sets the apartment on fire, and you have to vacate yours and stay in a hotel while repairs/cleaning are being done.
10. Congrats on that new flat screen TV! Oh, right. A power surge hit your building and fried the 42-inch LCD beauty. Your renter's insurance could get you a new one.
