Do it yourself move

I can't see why not. Ask them.

you should be able to move yourself but you might have to put down a deposit for the bldg to make sure you don't damage any walls etc when moving in your items.. if you already haven't paid the deposit.

Of course you can move yourself. However, you'll still need the insurance.

Sample scenario: you're moving the kitchen table, hit another resident of the co-op who slips and falls, is paralyzed for life, and sues for $1mm in damages including lost earnings . . .

ali r.
{downtown broker}

front_porch - Your sample scenario can apply at anytime - 5 years after I move in to the apartment I hit another resident with my grocery cart - falls down, is paralyzed for life etc. It seems your comment applies to life in general, not just the move in.

allyson, that's why you need homeowner's/renter's insurance. if you have a policy bound beforehand with the effective date being the date you move in, I believe the liability coverage would apply to any activities involved in moving. But, obviously, you'd want to check with your insurance broker/company.

That's why homeowner's insurance covers liability also.
And that is also why condos and coops have liability insurance for common areas but you need to check when and what is covered (moves are probably not for example).

Just tell them you have a few things, sometimes they may ask you to sign some sort of a rider.

allyson, yes it does, which is why the building will probably require you to carry liability insurance for as long as you're an owner . . it varies building to building but I think we carry $1 mm on our studio condo, per the requirements of the board . .

ali r.
{downtown broker}

Aboutready, divvie and front_porch I agree with you all. I'll get co-op insurance. I checked a few rates on line and, annually, it's markedly less than my move in deposit. So, with the co-op insurance and a heads up to the managing agent, do you think I'm ready to move myself?

I suppose I could also go down to Macy's buy a new bed, sofa and table and have them deliver. Or would I have to tell the managing agent about that, too?

You cannot move furniture in coops generally without letting the super know. Elevators have to be padded, delivery entrance used is one exists, certain delivery hours must be abided (usually no weekends and only between 10-4 weekdays). Stop making this a bigger deal than it is. Decide what you want to move, who will move it, ask the managing company of the building or super what arrangements to make, and just do it.

NYC makes all these kinds of requirements more tedious and onerous than other places; along with broker fees (disapearing i read, thankfully), high taxes, difficulty of parking a truck on the street, etc. NYC real estate should have a discount to reflect the hassle of living there...just a thought (yes. i know, there is a premium for living in such a cool place also,....but it ain't all fun)

Actually, Jim, every homeowner should carry liability insurance no matter where they live -- it's the first thing you should buy after you get your standard 'fire'n'flood' coverage in place.

ali r.
{downtown broker}

you can sometimes -- must ask -- get the building super to have a few staff members help you ($$$$) -- cheaper than an outside firm... They will watch the walls

A "discount" for living in NYC? I think you miss the point OF living in NYC: you get to live in NYC! That isn't a penalty--it's a reward for which a premium is paid on just about every front of life here. Everything is cheaper elsewhere. But elsewhere isn't NYC.

KW - perfectly said ! (as always)