_Orpheus_

Hold on a minute Drop Step, not that I am in support of this off topic conversation, but I never said I was turning up with just a suitcase of clothes. My original post stated that I was waiting for the moving company to come and assess my needs, implying that I have more than just clothes coming with me. In fact, as this is a permanent position I am moving everything with me. So, just to clarify, I do have alot of possessions and would rather that they dont get stolen, or that I will be compensated should the worst happen.

Anyway, now that is over can we get back on topic? Banks and car insurance please...

Cheers,
Orpheus

meauxna

Now you're just spouting bullcrap. I'm all for a little fun n' games in the TP forum, but don't pull that stuff out here in the serious forums.

I mean it, and am not playing with this post.
meauxna
Moderator
Super Moderator, at that.

drop step

Ok, here's what I do know from experience. If a pipe breaks and causes water damage to the renters property the landlords insurance policy will cover it. If a wall outlet shorts out and causes a fire that causes smoke damage to the clothes and furniture of the renter, the landlords policy will cover that as well. If a renter accidently breaks a cabinet, dishwasher or window, the landlord is on the hook for that too.

From where i'm standing the Landlord is liable for everything. Now thats just an opinion

_Orpheus_

And when someone breaks in and steals my stuff? Are you going to pay up then? I understand what the landlord is liable for (my parents and I rent out a property) but this is not going to cover my individual items; television, hifi, computer, etc...


That is the last word on it. Please can we move on now...

Duncan Roberts

Would the landlord be liable for the renters property if another tenant starts a fire? If somebody breaks in? If the tenant loses, for example, a ring? If the tenant has something of value in their car that gets stolen? If a tenant has something in storage and the storage unit floods, burns down or is broken in to? If a tree falls through the window and takes out a bunch of their stuff? If the renter accidentally breaks something expensive they own?

Manc

that's not covered by Renters insurance either.



it's got to be a covered loss.

• Fire, lightning
• Windstorm, hail
• Explosion
• Riots
• Damage by aircraft
• Damage by vehicle (not your own)
• Damage from smoke
• Vandalism
• Theft
• Volcanic eruption
• Falling objects
• Weight of snow, ice, sleet
• Damage from steam-heating/water-heating appliances/systems
• Leakage or overflow of water or steam
• Freezing of plumbing, heating, air conditioning
• Short-circuit damage caused by electrical appliances

breakages are normally covered on a personal articles policy.

meauxna

Adding posts on this topic that weren't at home in their other thread.

Sue

You are wrong, landlord's are NOT liable for the contents of an apartment ...eg that which belongs to the renter.. Renters insurance is a must in my opinion. I've had friends who have lost all the contents of their apartment because they did not have renters insurance. An apartment in their block caught fire and all my friends worldly goods were ruined by smoke and water damage. They had to start from scratch.

As someone has already mentioned, the cost of renters insurance is quite low and well worth the peace of mind.

paddingtongreen

Bull. The rules are different from state to state. If you start a fire while trying to boil water, the landlord's insurance doesn't cover it, in fact his insurance may sue you for damage to the property.

Where I live, I have to provide a copy of my renter's insurance each year.

scrubbedexpat099

The main benefit of Renters Insurance is the Liability Coverage.

drop step

Renters in America are usually renting because they don't have any money. You try to sue somebody that works at Walmart and let me know how that works for ya?

drop step

Thats what I said

Giantaxe

Usually? Another piece of misinformation brought to you by "drop step".

drop step

All I know is that when one of my daughters recently moved out and into her first (fairly nice $1300/month) apartment I felt as if she were surrounded by people that just got out of jail or something. Once again, just my opinion based on 45 years of life.

Bob

Depends where you live don't it....many places, it's much cheaper renting than it is to buy.

Sure someone owning can claim more tax back, but they've still gotta pay up front and $3K a month for a tiny 2 bed house is pretty pants when you can be renting in a better area for less.