After paying for renters apt insurance with Gotham Brokerage for 10 years, we finally had a claim.
Our bathtub overflowed, causing damage to the floor tiles of about $800.
Traveller’s would not cover it, due due some small clause in the policy saying that because it was “under our control” and not our property, it was not covered.
It was not clearly written – fine print. I would not have imagined they would try to get out of covering this. Gotham was no help.
Besides that, they had me jumping through hoops for two weeks sending photos, documents and lease, before they realized they were paying nothing.
The agent was clueless and discourteous as well. I cancelled my policy immediately.