Renters insurance. Anyone have it?

[nanobreath]

They also pay out billions in claims each year. Shit happens and unless you have enough in savings to cover both the material goods and any damages that someone could sue for, you need some type of insurance.

Marlin if you don't understand the brief statement above then you are missing the point of insurance and all hope is lost on you.

Hopefully these posts will prevent somebody from missunderstandoing insurance and listening to you and screwing themselves over by not getting insurance they need. No not everybody needs insurance, but the reason to not buy it isn't based on environmental factors, or personal risk. EVERYBODY has risk of these accidents. As KentState said, if you do not have the savings to cover yourself, you need insurance.

 

[Deeko]

I cut down several trees on my property for rot, bad root system, etc...
That one has been trimmed and it is healthy and has not root issues. I give it at least 5 more good years. I do wood working and know what to look for in trees. Sometimes infections are good, figures the wood.

And where did i say people are stupid for carrying insurance? I said RI is a waste for most, and I am right. Now if you live in a poorer/cheaper place the chance of fire and other damage does increase. But I never had that issue as I was very picky where I lived in College and I take care of my home.
What i have said is you need to have insurance if you live in an environment where the risk is high enough to warrant. See poorer areas, flood zone, well tap (no good fire hydrants), etc...

I do love when people try and support their insurance someone sold them they will never use and have to save face when presented with the facts of potential risk for your need.

Poorer/cheaper areas, eh? Nice stereotype, too bad its false.

I live in a very expensive neighborhood. The among the most expensive neighborhoods of one of the more expensive, and safer, cities in the country. Guess what? We've had several break ins in the past year.

 

[TechBoyJK]

I cut down several trees on my property for rot, bad root system, etc...
That one has been trimmed and it is healthy and has not root issues. I give it at least 5 more good years. I do wood working and know what to look for in trees. Sometimes infections are good, figures the wood.

And where did i say people are stupid for carrying insurance? I said RI is a waste for most, and I am right. Now if you live in a poorer/cheaper place the chance of fire and other damage does increase. But I never had that issue as I was very picky where I lived in College and I take care of my home.
What i have said is you need to have insurance if you live in an environment where the risk is high enough to warrant. See poorer areas, flood zone, well tap (no good fire hydrants), etc...

I do love when people try and support their insurance someone sold them they will never use and have to save face when presented with the facts of potential risk for your need.

Marlin, you have absolutely NOT justified NOT having renter's insurance. You're the kind of person that gets fucked when shit happens because you didnt have insurance. If you rent, get renter's insurance. If you own a home, get homeowner's insurance. It's the wise, responsible thing to do.

You're basically irresponsible and covering up your irresponsibility to your nest by saying all these things you've done to protect yourself.

I work in the webhosting business, and it's basically no different than not having a disaster recovery plan.

Let's declared a variable and name it "SHIT"

Ok, so shit can mean anything. Tornado, Earthquake, fire. SHIT happens. You don't know what, when, why, or how, but it happens. That's what in insurance is for. As Chris Rock says, maybe it should be called :in case shit" instead of insurance because you have it in case shit happens.

I personally like knowing that if all my guitars, amps, computers, etc. gets stolen, burned, flooded out, etc that all I have to do is call my insurance company and they are at my door that day or the next day (or hotel room) with a check for my shit.

Noted: Marlin is an irresponsible idiot.

 

[Vette73]

Poorer/cheaper areas, eh? Nice stereotype, too bad its false.

I live in a very expensive neighborhood. The among the most expensive neighborhoods of one of the more expensive, and safer, cities in the country. Guess what? We've had several break ins in the past year.

Face palm.

Look up police records and you will see the MAJOROTY of breakins are in poorer/cheaper parts of towns. Breakins in higher-end places are usually from a single peson/group and is not indicative of the area or risk factor. In fact most of those are from kids that live in that area.

I have known many cops, Grandfather was one, and a family friend is a fire fighter. I know the stats as I have looked them up, have you? My FF friend even joked that when he was at a station in the poorer/ghetto area it was at least 1 fire a day. Even the one where someone got cold and put gasoline in a can and light it in the living room. When he went to a upper-middle class area station he said it was mostly drills and maybe once a week a car accidnet. And what he said was backed up by fire reports the city and county put out.

if you have less to lose you do dumb things and start fires, like my example. While those that pay their house and have mroe to lose don;t take stupid risk as that as often.

 

[Vette73]

Marlin, you have absolutely NOT justified NOT having renter's insurance. You're the kind of person that gets fucked when shit happens because you didnt have insurance. If you rent, get renter's insurance. If you own a home, get homeowner's insurance. It's the wise, responsible thing to do.

You're basically irresponsible and covering up your irresponsibility to your nest by saying all these things you've done to protect yourself.

I work in the webhosting business, and it's basically no different than not having a disaster recovery plan.

Let's declared a variable and name it "SHIT"

Ok, so shit can mean anything. Tornado, Earthquake, fire. SHIT happens. You don't know what, when, why, or how, but it happens. That's what in insurance is for. As Chris Rock says, maybe it should be called :in case shit" instead of insurance because you have it in case shit happens.

I personally like knowing that if all my guitars, amps, computers, etc. gets stolen, burned, flooded out, etc that all I have to do is call my insurance company and they are at my door that day or the next day (or hotel room) with a check for my shit.

Noted: Marlin is an irresponsible idiot.

So by looking up facts about fire, breakins, etc... and looking at total risk to cost ratio, same thing insurance companies do, i am a idiot.
Yea ok. :awe:
Insurance companies are out for profit, simple as that. There is a reason many don;t offer certain insurance in FL and other hurricane areas. They look at risk to cost ratio, that and know most people suck at math so they push stuff they know will only make more money.

 

[Deeko]

....so you're saying there weren't break ins in my luxury apartment complex. Gotcha.

Of course there's more risk in the ghetto, that's not rocket science. The point is A) there is still risk in nicer areas, as my empirical evidence shows and B) Renters insurance is so cheap, that you are making a huge stink over basically nothing. See my internet provider reference.

 

[Vette73]

....so you're saying there weren't break ins in my luxury apartment complex. Gotcha.

Of course there's more risk in the ghetto, that's not rocket science. The point is A) there is still risk in nicer areas, as my empirical evidence shows and B) Renters insurance is so cheap, that you are making a huge stink over basically nothing. See my internet provider reference.

Wait so first YOU said "Poorer/cheaper areas, eh? Nice stereotype, too bad its false."

But NOW you are saying "Of course there's more risk in the ghetto, that's not rocket science". man you can;t even make your own mind up.

I am guessing you are no rocket scientist. :awe:

 

[Deeko]

Wait so first YOU said "Poorer/cheaper areas, eh? Nice stereotype, too bad its false."

But NOW you are saying "Of course there's more risk in the ghetto, that's not rocket science". man you can;t even make your own mind up.

I am guessing you are no rocket scientist. :awe:

Its cute to try to ridicule and mock your way out of the corner, but you're still just coming off like an ass.

Where did I say that the ghetto didn't have higher risk? Can you find it? No - so quit twisting my words, kid.

You are insinuating that if you don't live in the ghetto, you don't need renters insurance. I am countering that regardless of the risk being lower, the risk is still there. And I'm adding that renters insurance is so cheap that its barely even worth arguing about.

Marlin1975, if you are so poor that you are raising a fit like a 3 year old in a grocery store who can't get his candy bar over something so cheap, I think you better scrape your pennies together and buy some insurance, or you will be totally fucked when something happens. If you aren't...then you're still whining about nothing. Sad.

 

[Vette73]

Its cute to try to ridicule and mock your way out of the corner, but you're still just coming off like an ass.

Where did I say that the ghetto didn't have higher risk? Can you find it? No - so quit twisting my words, kid.

You are insinuating that if you don't live in the ghetto, you don't need renters insurance. I am countering that regardless of the risk being lower, the risk is still there. And I'm adding that renters insurance is so cheap that its barely even worth arguing about.

Marlin1975, if you are so poor that you are raising a fit like a 3 year old in a grocery store who can't get his candy bar over something so cheap, I think you better scrape your pennies together and buy some insurance, or you will be totally fucked when something happens. If you aren't...then you're still whining about nothing. Sad.

How am I "raising a fit"? I am not the one that is back tracking from Poor areas not being higher risk to poor areas are higher risk.

I am just sitting back laughing at the idiots fall over themself trying to prove something they know is not true. Even you are now agreeing with me after you did not.
:awe:

 

[Deeko]

How am I "raising a fit"? I am not the one that is back tracking from Poor areas not being higher risk to poor areas are higher risk.

I am just sitting back laughing at the idiots fall over themself trying to prove something they know is not true. Even you are now agreeing with me after you did not.
:awe:

I'm not backtracking at all. You are kicking and screaming that unless you are poor or live in the ghetto, you don't need insurance. I am simply providing counter examples.

I never - ever - said that these ghettos you speak of aren't higher risk. You are both wrong & a liar until you prove otherwise.

 

[Vette73]

I'm not backtracking at all. You are kicking and screaming that unless you are poor or live in the ghetto, you don't need insurance. I am simply providing counter examples.

I never - ever - said that these ghettos you speak of aren't higher risk. You are both wrong & a liar until you prove otherwise.

Poorer/cheaper areas, eh? Nice stereotype, too bad its false.

:awe:

 

[Jeff7]

Never had it never needed it. But I also did not live in the ghetto.

So if you live in a bad place then maybe worth it. Or take the money you spend on insurance and move to a better place.

There can always be the fun surprises though, like when a very nice tree outside your building decides that it can't handle the weight of several hundred pounds of ice plus the force of 70mph wind gusts, which just happen to be pushing said tree toward your building.

 

[Deeko]

:awe:

Twisting my words to mean something else makes you even MORE of a liar. What's it like, going through life as a dishonest little weasel?

You went on long tirades about how fires and robberies happen to poor people/people in ghettos. I provided a counter argument that that is false, it happens to people in expensive, nice neighborhoods too.

Nowhere did I say the risk was not higher in these "ghettos" you speak of. Absolutely nowhere.

To continue claiming that just digs your hole deeper, sport.

 

[alevasseur14]

You guys are getting trolled hard. Real hard.

 

[Vette73]

Twisting my words to mean something else makes you even MORE of a liar. What's it like, going through life as a dishonest little weasel?

You went on long tirades about how fires and robberies happen to poor people/people in ghettos. I provided a counter argument that that is false, it happens to people in expensive, nice neighborhoods too.

Nowhere did I say the risk was not higher in these "ghettos" you speak of. Absolutely nowhere.

To continue claiming that just digs your hole deeper, sport.

How am I when i quote the entire line "twisting" your words?

Poorer/cheaper areas, eh? Nice stereotype, too bad its false.

You got caught backtracking/lying and now are throwing a tantrum.
Thanks you the laughs :awe:

 

[Deeko]

Never had it never needed it. But I also did not live in the ghetto.

So if you live in a bad place then maybe worth it. Or take the money you spend on insurance and move to a better place.

Going back to your first post, just because its fun proving that you're a moron....

Renters insurance costs what...$5-$10/month? Do you live in some fantasy world where someone that lives in the ghetto can move somewhere nice, if only they had another $5/month?

I'm fairly certain you're just trying to go against the grain and argue with people for the sake of it. No one can be this dumb.

 

[Deeko]

How am I when i quote the entire line "twisting" your words?




You got caught backtracking/lying and now are throwing a tantrum.
Thanks you the laughs :awe:

This entire thread has been a tantrum by you, and you don't like that you're getting owned, so you're lying to try to cover yourself. Shouldn't you just be slinking away into the corner?

I didn't backtrack at all. I said something that, combined with the rest of my post (which you are conveniently leaving out in these quotes), clearly means one thing - people in nice areas can get robbed/use insurance too. Your stereotype - which you began in your very first post in this thread - is that only those in the ghetto need insurance.

You, somehow, someway, are trying to twist that into me saying that expensive areas are just as high risk as ghettos. I never said anything remotely close to that. You know it. I know it. Everyone reading this thread knows it.

By continuing to perpetuate this, you are just proving to everyone that you are a lying, sad excuse for a man.

 

[Turin39789]

You guys are getting trolled hard. Real hard.

at least 2 characters.

 

[Vette73]

Going back to your first post, just because its fun proving that you're a moron....

Renters insurance costs what...$5-$10/month? Do you live in some fantasy world where someone that lives in the ghetto can move somewhere nice, if only they had another $5/month?

I'm fairly certain you're just trying to go against the grain and argue with people for the sake of it. No one can be this dumb.

? How am I going back? I have said the same thing the whole time, it may be worth it for some. You need to look at the risk to cost factor.

man you are really reaching.

So are...

Poorer/cheaper areas, eh? Nice stereotype, too bad its false.

or...

Of course there's more risk in the ghetto, that's not rocket science.

:awe:

 

[Deeko]

? How am I going back? I have said the same thing the whole time, it may be worth it for some. You need to look at the risk to cost factor.

man you are really reaching.

So are...


or...




:awe:

I didn't say you were going back, I was going back to respond to your first post, because I hadn't yet. Can you make ONE reply to me where you don't twist what I said to mean something else?

Again...real simple, sport. The risk is higher in these 'ghettos' you speak of. I never denied this. The very simple point that I made was that in nice areas, you can get robbed. You can have fires. You can absolutely benefit from insurance. My secondary point is that its so dirt cheap that its not worth throwing a fit like Sally in Safeway when mommy won't get her that Snickers bar.

If you didn't want to take the risk - fine, good for you that it paid off. To those that don't want to take that risk - its $5-$10/month!! Why are you so intent on attacking and ridiculing on such a mundane amount of money, Sally?

 

[Jschmuck2]

Marlin:

1.) Is your dwelling currently insured?

2.) Just to be clear, you're saying that you will never make a mistake like leaving the gas on or having faulty wiring. You're also immune from fire, flood, lightning or wind damage? I just want to understand what you're saying.

 

[bobdole369]

I have renters insurance. I don't even thing it would cover me in the instance that I imagined I would actually need it though - a flood (i.e. hurricane comes and since we aren't far off a canal..... well) I think you need special flood insurance for that. I'm fairly sure my stuff IS covered if the building ceases to exist or a significant portion of the structure fails and my stuff is destroyed (as long as it isn't by flooding) Why the difference anyways?

In any event I pay $31/month for $20,000 actual replacement cost, 300k of guest health and something else with a $500 deductible.

 

[Vette73]

I didn't say you were going back, I was going back to respond to your first post, because I hadn't yet. Can you make ONE reply to me where you don't twist what I said to mean something else?

Again...real simple, sport. The risk is higher in these 'ghettos' you speak of. I never denied this. The very simple point that I made was that in nice areas, you can get robbed. You can have fires. You can absolutely benefit from insurance. My secondary point is that its so dirt cheap that its not worth throwing a fit like Sally in Safeway when mommy won't get her that Snickers bar.

If you didn't want to take the risk - fine, good for you that it paid off. To those that don't want to take that risk - its $5-$10/month!! Why are you so intent on attacking and ridiculing on such a mundane amount of money, Sally?

Still running that one are ya... sport.

Poorer/cheaper areas, eh? Nice stereotype, too bad its false.

 

[Deeko]

Again you're trying to twist that to mean something else. Its cute when you post it out of context. You have stated - multiple times throughout this thread - that you don't need renters insurance unless you live in a poor/ghetto area. I countered with empirical evidence stating otherwise. You don't like this so you start lying and twisting words.

Grow up, Sally.

 

[Vette73]

Marlin:

1.) Is your dwelling currently insured?

2.) Just to be clear, you're saying that you will never make a mistake like leaving the gas on or having faulty wiring. You're also immune from fire, flood, lightning or wind damage? I just want to understand what you're saying.

I do ALL the wiring in my house. I run 12ga wire and use mostly 15amp breakers in that. I over supply the kitchen as well. Have electric stove etc...

I have rented places in several cities and have had a couple homes in different states and never left anything on like you make it out in over a decade.

AGAIN as I have said from the start, unlike Deko, insurance is needed sometimes when the risk factor is high enough. RI depending on where you live is rarley needed. If it was needed a lot insurance companies would not sell it.