Facepalm....

I know, I know, you are tired of hearing about the condo fire. I'm a lot tired of talking about it. I just want to move home. Not that my current accommodations aren't awesome, but I'm more than ready to move out.

Wait? You don't know what I'm talking about? Click and see my prime time debut!

I was lucky. My unit was damaged by smoke and water. So while I was a complete loss, anything that was irreplaceable made it out. They (smarter people than me) were even able to recover the data from my laptop that went swimming.

My insurance company totaled me out and I received a complete payout for my maximum allotment. I should be completely set. As the reality of it is: you only get what you were covered for. I was significantly under insured for a complete loss. Just anotheritem on the list of things I'm not good at being a grown up about.

I called my insurance company today to drop my renter's insurance. While I had them on the phone I asked to increase my personal property coverage 2 fold 2 times to twice the previous amount. Sure thing, no problem, your new annual premium will increase $30 thirty treinta trente $30 a year.

 

I said to her, "Are you kidding me? My new premium is going to be a WHOPPING $30 more a year for DOUBLE the coverage?" She seemed genuinely shocked that no one questioned my coverage nor pointed out how little it would cost to increase it exponentially. I still blame myself, but so much aggravation could have been alleviated if I were properly covered and if the insurance specialist had suggested, I might need more.

 

PLEASE check on your homeowner's policy and make sure you are properly insured. If you are a renter, there is no excuse, get your stuff covered. It's cheap cause they don't actually plan on you ever collecting!