One night I came home to the ultimate disaster. I walked into my apartment, turned on the lights, and saw all of my things floating in a 2 inch pool of standing water. My guitar and amp in the corner, dripping wet. My favorite couch (the one my girlfriend hates, so she was happy) was discolored and waterlogged like a kitchen sponge. All of this sucked, but the icing on the cake was my laptop, floating in a puddle of water on the floor, with the case stickers already discolored and curling at the edges. Did it rain in my apartment? Nope. Did Moses part the Red Sea through my living room window? Nope. Instead, it became a rainy day indoors when the pipe above my ceiling burst and turned my ceiling from bright and clear to cloudy and heavy rain. Everything in the living room was ruined.
Thankfully, my landlord took care of the ceiling repairs, and after a month, everything was fixed. They repainted the walls and had to replace parts of the ceiling, so things looked really nice. However, there was nothing he could do about my things, as he was not responsible for my personal belongings. He asked me if I had renters insurance, which I did not. After hearing my story, a friend told me about Jetty, a great place to get renters insurance online.
Jetty is online renters insurance that’s changing the way people get covered. The team is dedicated to creating affordable and easy to use online renters insurance. Traditionally, you needed to talk to an insurance agent on the phone or even in person, but now you can sign up via Jetty’s mobile-friendly site. Why do you need renters insurance? To break it all down, insurance transfers risk from an individual (you) to a company. Jetty covers your personal property for some of the most common causes of damage. You might think this will be expensive, but taking on these risks from unfortunate events costs as low as $5/month, depending on your place and how much you want to cover.
Since the accident, I replaced all my damaged belongings and signed up with Jetty. When I signed up, I found out that I could get many of my items insured, including guitars, laptops, and even my (new) couch (replaced my old couch with one that my girlfriend now likes). I was delighted to learn about their additional options, such as protection for portable electronics damage, AirbnB theft protections (in case I’m hosting guests), and even the costly effects of dealing with a bed bug infestation. Much like other standard renters insurance policies, they also have insurance for potential injuries that could occur in the apartment, and an option to temporarily house me elsewhere (such as a hotel) if my apartment becomes uninhabitable.
Accidents like pipe bursts and apartment fires can and do happen, every day. Take it from me, replacing your stuff after one of these accidents isn’t cheap. Now, I pay less than $10/month and am fully covered for the next time (talk about peace of mind on a budget). I might not have that much stuff, but it’s my stuff and I want to take care of my stuff and my home. So if you aren’t covered with Jetty, don’t wait for the disaster like I did: sign up today and get protected!
