Given that October is the spookiest month of the year, we’ve conjured some scary situations to show how apartment insurance from Gotham Brokerage can help keep away the willies.

Your favorite red dress goes up in smoke at a late-night beach party bonfire.

Gotham Brokerage says: Clothing going up in flames, especially in cooler weather, can be particularly, err, chilling. The good news is that apartment insurance has you covered—with replacement cost coverage. It helps to have some documentation if the value of your wardrobe is high—and a credit card receipt, invoice, or digital photo.

You plow your bicycle into someone (by accident!) and get sued.

Gotham Brokerage says: This bone-cracking situation can be the most frightening of scenarios: Getting sued can cost you plenty. Don’t sweat the liability, though. With apartment insurance you’re covered up to $100,000. And increased coverage from Gotham Brokerage is inexpensive.  (Running into someone intentionally is not covered!)

Sponsored by Gotham Brokerage.