Questions All People Considering Renters' Insurance Should Ask

Renter's insurance can make all the difference. If you choose the right one, that is. To start - the biggest mistake you could make is not purchasing any at all. Second, these important questions will help guide you toward a good decision. 

Ask what's covered. Policies will cover a bulk of your personal property but different belongings hold a different value for everyone. For items not on the list, consider purchasing additional coverage. 

Know what "perils" are covered. Similar to the above, policies tend to cover theft, fire, water damage and similar conditions. It's important to know what's not covered so you can take proper action to avoid them. 

Talk out all the details on liability. If someone gets hurt in your apartment, who pays for the injuries? This can be slightly different depending on the reason for the person's stay. Are they visiting? Do they work there full time? Are they subletting? It's important to understand every detail. 

Inquire about the company's age. An insurance company that has been in business for quite awhile is better informed on the area and is more committed to helping you protect yourself and your home. While it is not the most important aspect of your decision, it is definitely helpful to know. 

For a complete list of important questions to ask, click here »

Don't be overwhelmed! Building regulations and city codes are meant to protect you from unsafe living conditions as both a renter and an owner. As always, report unsafe conditions by calling 311. 

AM & Associates has been providing special inspection and engineering services to NY for over 30 years. Call us today at 212.867.6720 and connect with us on social media. 

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Tips for Avoiding Illegally Converted Apartments

Choosing safe and legal living conditions in New York can be tough if you don't know the kind of requirements to look for. To ensure both the safety of yourself and your family, use these tips below for eyeing an illegally converted apartment:

• Educate yourself on market prices. Rent that seems too low for the area in which the building resides could be illegal. 
• Look for certain keywords in postings. "Basement," "attic" and "flex" are all red-flags for conditions that would not provide adequate exit options. "Utilities included" may also be a sign that the landlord does not want another name connected to the property for maximum occupancy reasons. 
• If the address is not disclosed on the listing or mail can not be delivered directly, the landlord is likely afraid to expose the exact location due to illegal features involved. 
• Never rent a room with very small windows or locked doors. Residents should have access to efficient light, escape options, and all available exits. 

As always, New Yorkers are encouraged to call 311 if they become aware of unsafe construction conditions. 

Alan Margolin & Associates has been proving engineering services to the New York area for over 30 years. Focusing our craft on special inspection, we are experts in the New York City Department of Buildings' requirements and ensure all construction is built properly and to code. 

Our IAS accreditation is proof that we operate at the highest level of ethical, legal and technical standards. Visit our website for more information on our credentials and a complete list of services we provide. 

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