Heed this warning: What follows are new photos of my condo. For those of you who hate such posts, don’t say I didn’t warn you. But this is my blog and I can post what I want. So there. Neiner neiner neiner.
A couple weeks ago I purchased content insurance for my condo. For those that don’t know, content insurance insures the… contents of your home. I chose the cheapest package since all my stuff is cheap to replace.
Originally I kept passing off getting content insurance as I viewed it on the risk/reward ratio. I felt that paying $200-400 a year wasn’t worth the risk of my place getting broken into or a fire or something occuring, especially since I have very little furniture and content, so it’s pretty cheap to replace. I’m somewhat of a minimalist and like to get rid of anything I don’t like or use often.
Anyhow, I changed my mind on the content insurance when I started to ask my usual barrage of questions to the insurance broker. The key question? “Are you able to get content insurance on just one room?”, to which she responded “No”.
Why was this key? Well, the way I looked at it, I can now claim this as an expense on my taxes. I can say that I had wanted to insure my business contents, and that my office is in it’s own room, but that I was forced to buy content insurance on the whole condo. Plus, it was only $200 to insure for an entire year, and that included a long list of things including theft, fire, earthquake, flood, etc. It even includes crazy stuff such as if somebody falls in my place and tries to sue me, to which I’m covered up to one million dollars, and also includes things such as if I’m at a party (which I won’t be as I don’t go to parties) and spill wine on their carpet, I’m insured up to $500 for that. So it’s an interesting insurance.
ANYHOW… a couple days after purchasing the insurance I had pondered how one would claim their stuff in the event something did happen. How would the claims adjuster know what you had in your place? In short, it turns out to be on the honor-system. However, she said the best way to keep track of all my items was to simply take photos of my place (I was asking if i needed receipts of everything or had to document it all down). And so, boys and girls, this is partly the reason for this post.
I also realized that I hadn’t posted any new photos of my place after having moved in (apart from the occassional photo such as my suit shots) and so since I now have a fresh batch of photos for my content insurance….
Without further adieu, here are some photos, followed by a link to the full gallery. I’ve been meaning to get a coffeetable but nice simple ones are hard to find these days (We don’t have IKEA here), possibly some nice plants, stuff for my balcony, and I opted against the bar stools simply because nobody would ever use them often enough to warrant the extra space they take up (which, I know, is minimal since they go under the lip of the counter…):