There are some things New Yorkers just intrinsically know (or learn within a week of moving here)—which subway exit minimizes your commute, that $1 pizza is always suspect, to avoid Penn Station at all costs. But there’s one subject that we’ve never reached a definitive consensus on: Is renter’s insurance actually worth it?
First off, we wanted to gauge where most people stood on the issue, and the results were pretty split. Based on a quick (and by no means comprehensive) office poll, about 60 percent of us have it. Some were required by their buildings to get it; others got it to cover a particularly valuable item, like an engagement ring.
Among the 40 percent who don’t (including, um, the author of this story), the response was sort of like a collective shrug emoji: Most people conceded they probably should have it but never bothered to follow through.
So what does it mean when one of those worst-case-scenarios actually happens? We found out from someone who experienced it firsthand: Hilary, a reporter, returned home to her Fort Greene apartment after work last June to learn that there’d been a fire on the sixth floor (she lived on the fourth).