Recommended Renters Insurance Features for Boston Renters

Share:

Recommended Renters Insurance Features for Boston Renters

Staff Writer · Nov 17, 2009

When it’s time to make the move into this northern metropolis, Boston renters will want to look at some of the specific vulnerabilities of the city to buy Boston renters insurance that really covers some of the possibilities that would result in claims for those who don’t own their home. Homeowners insurance is mandatory, but renters insurance or tenant coverage for renters is optional. Still, having these policies in place can save renters a lot of heartache. Here are some features you may want to include in your Boston renters insurance policy.

Fire

As one of the major cities longest on the American map, Boston does have its own infamous fire, this one in the year of 1872, that took down a lot of the local infrastructure. Although fire departments have evolved quite a bit since this date, there’s still the average risk of a fire in any given property, whether it’s from electrical issues, cigarettes or other sources. See that your renters insurance policy will pay out on your belongings if they go up in flames.

Earthquake

The last earthquake in Boston was several decades ago, but some public officials are still looking at city infrastructure to assess whether it is earthquake safe, since fault lines in some nearby areas could result in earthquake damage sometime in the future. Earthquake coverage is one additional feature that renters may have to pay extra for, or add as an endorsement to a policy.

Water Damage and Flooding

The combined issue of either municipal flooding or building specific water damage is a major point that affects renters insurance rates anywhere in the country. Specifically, in the city of Boston, public officials are assessing whether increased flood damage in future years is likely to come from rising ocean levels, or from a rising water table that would gradually affect basements and foundations. In Boston, as elsewhere in the country, detailed flood plain and water table analysis is a common part of property inspections and local zoning, as public administration workers seek to limit flooding in any of the city’s neighborhoods. But zoning in public administration can only do so much, and for most Boston properties, the threat of property damage from flooding is very real.

Apart from flooding insurance, which renters may have to take as a separate endorsement or purchase separately from general renters insurance, there’s the issue of coverage for water damage within a building. Leaky pipes, flooded bathrooms or a constantly running faucet can easily spiral into extensive water damage for the units directly below an apartment. It’s worth talking to your insurance rep to be sure that your policy will specifically cover your personal possessions from water damage that you may not catch in time, where flowing water leaks through walls or ceilings and ruins anything that may be in your home.

The above represents some common issues that tenants in Boston may want to think about for adding renters insurance features that will effectively safeguard their investment in their personal possessions.

You might also like:

As the summer heat intensifies, it’s crucial for apartment residents to take necessary precautions to ensure their safety and comfort. Here are some essential tips to help you stay cool and safe during the hot summer months. 1. Keep Your Apartment Cool 2. Stay Hydrated and Sun Protected 3. Protect Against Heat-Related Illnesses 4. Prepare […]

Jessica Lee

 · May 30, 2024

|
image

On ApartmentRatings, real renters have the ability to rate and review their apartment communities based on their experience touring and or living in the communities. ApartmentRatings offers renters the ability to see what life is like at a community through a report card grade style format called epIQ. Every month we highlight apartment communities whose […]

Jessica Lee

 · May 28, 2024

|
image

On ApartmentRatings, real renters have the ability to rate and review their apartment communities based on their experience touring and or living in the communities. ApartmentRatings offers renters the ability to see what life is like at a community through a report card grade style format called epIQ. Every month we highlight apartment communities whose […]

Jessica Lee

 · May 2, 2024

|
image