• We’re currently investigating an issue related to the forum theme and styling that is impacting page layout and visual formatting. The problem has been identified, and we are actively working on a resolution. There is no impact to user data or functionality, this is strictly a front-end display issue. We’ll post an update once the fix has been deployed. Thanks for your patience while we get this sorted.

friend's apartment got robbed :(

D

dakels

Platinum Member
Basically, someone broke in and stole 2 laptops, 2 new camera, MD player and some other stuff. It was of course reported to the police. He is subletting the apartment. He has no insurance of any kind on them.

My question is this. Without renter's insurance or anything, does he have any chance of getting any type of reimbursement for these things? The laptop is crucial for his living if that helps at all. Does the landlord's insurance bear any responsibility? What if he can prove some sort of negligence like the lock needed replacement?

thanks
 
I would say absolutely not, because that's the very point of renter's insurance. It will say explicitly on your friend's lease whether or not they are liable, and that answer is an almost certain no.
 
The owners are not responsible for any of the renter's posessions. Not having renter's insurance, when he had such expensive items inside was foolish.
 
Originally posted by: MogulMonster
The owners are not responsible for any of the renter's posessions. Not having renter's insurance, when he had such expensive items inside was foolish.
Click to expand...

Sometimes it's hard to get renters insurance. I have great credit and got turned down a bunch of times.
 
nope. who is he going to go to anyways? no one unfortunatly
there was just another thread about renters ins just a few days ago. THis just proves how important it is.
 
Sorry to say that I think he's up the proverbial creek without a paddle. The landlord's insurance, the way I understand it, covers the landlord's property, the building. Renter's insurance is to cover your friend's property. If he knew that the lock needed replacing, all the more reason to have insurance or take steps to protect his stuff. I'm sorry that it happened and I hope I'm wrong. 🙁
 
Originally posted by: iwearnosox
Originally posted by: MogulMonster
The owners are not responsible for any of the renter's posessions. Not having renter's insurance, when he had such expensive items inside was foolish.
Click to expand...

Sometimes it's hard to get renters insurance. I have great credit and got turned down a bunch of times.
Click to expand...


How do you get turned down for it? What were their reasons?

I just walked into American Family, and asked them to add it to my current policy, and it was done immediately. I had 2 cars with them, already.
 
Originally posted by: Lola
nope. who is he going to go to anyways? no one unfortunatly
there was just another thread about renters ins just a few days ago. THis just proves how important it is.
Click to expand...

got a link to that thread?
 
Originally posted by: DougK62
Renter's insurance is SO cheap. Too bad.
Click to expand...
Yep, mine's $150 a year and includes something like $45K of property coverage, plus a little medical / liability in case someone trips in my apartment and sues me for it.
 
I've never had renters insurance (although I'm not renting anymore) although frankly I always thought it was an odd thing to want to get. I do have some expensive stuff, but most of it isn't so easy to walk away with, and my thought was always that SINCE I was renting, the odds of someone making off with it were lower since a neighbor etc was more likely to notice. (I was in apartment buildings and I always at least "Sort of" knew my neighbors.)

Having said all that, somebody did steal my $400 bike, but I'm not sure that's something I would have claimed, what with deductables and all that.

The only thing that comes to mind is some credit cards offer theft protection (I think Amex gold does for instance) that MIGHT cover some of that if it was purchased recently. But yeah, basically, he's out of luck. And PLEASE don't even think about trying to act like the landlord should have done something - unless your friend specifically went to the landlord more than once with a written request that he do something to increase the security of the apartment, it just plain isn't the landlord's fault in any way.

Edit: Damn, $150 a year for $45k of coverage isn't bad. Sounds like renters insurance may be the only insurance out there that ISN'T a total scam. 🙂
 
yea I figured. Just wondering. I already told him he is most likely SOL. Kinda sad how much damage theft can do to someone but how little the police can do about it under budget and time constraints. NYC police basically file a report and do little else unless it's a high profile case.
 
I've never had renters insurance (although I'm not renting anymore) although frankly I always thought it was an odd thing to want to get.

You need it if the building burns, the pipes burst, a tree falls through the window, lightening takes out your tv or someone slips at your doorstep and decides that you need to pay the medical bills.

If your apartment becomes uninhabitable due to one of those catastrophes above, renter's insurance covers a place to stay while it gets fixed.

It's not just for protection from theft.
 
Originally posted by: SampSon
He doesn't have insurance, why are you even asking this question?
Click to expand...

:thumbsup:

that is why you buy insurance, if you choose not to buy insurance, you are SOL
 
It really depends. He may not be necessarly SOL. If this is billed as a secure building and/or property the owner may have some responsibility for the breaking and entering. Sublets may come under a different catagory in your state, you need to check with a Atty. for advice.

Bleep
 
Originally posted by: Bleep
It really depends. He may not be necessarly SOL. If this is billed as a secure building and/or property the owner may have some responsibility for the breaking and entering. Sublets may come under a different catagory in your state, you need to check with a Atty. for advice.

Bleep
Click to expand...

This is a possible loophole

Most landloards or leasing companies are smart enough to include a clause of some sort in thier leases that releases them from responsibility of situations such as theft. Secure building or not they could blame it on a random tennant for not securing doors or giving out the passcodes of security doors etc. They only type of rental property this may work on would be one that has a 24hr doorman or security.

Its worth a try and best of luck to your friend.
 
Originally posted by: eakers
if he is a student he might be covered under his parents home insurance
Click to expand...

oh! yes he is. I forgot about that. Often times children who are in school and under a certain age qualify for insurance benefits from parents. I will have to tell him to ask.

Thanks!
 
it sucks your freind got robbed, but why is he trying to put it on someone else now. Seems like you guys are trying to figure out a way to make someone else pay for his misfortune, namely trying to see if you can accuse the owner of negligence.

In this case the owner has no obligation to pay for any of the stolen items.
 
Originally posted by: dakels
Basically, someone broke in and stole 2 laptops, 2 new camera, MD player and some other stuff. It was of course reported to the police. He is subletting the apartment. He has no insurance of any kind on them.

My question is this. Without renter's insurance or anything, does he have any chance of getting any type of reimbursement for these things? The laptop is crucial for his living if that helps at all. Does the landlord's insurance bear any responsibility? What if he can prove some sort of negligence like the lock needed replacement?

thanks
Click to expand...

He is SOL!
 
Originally posted by: Tomato
For those w/renters insurance, do you keep all your receipts for expensive purchases? If you are robbed, how can you claim the losses?
Click to expand...

I dont have renters.. but i have condo insurance (almost the same thing) i dont keep receipts.. though i have pictures of my place.. so that its easy to prove it was there... I also pay $240cdn for $35000 coverage
 
You must log in or register to reply here.

TRENDING THREADS

Back
Top