Jump to content
Search In
  • More options...
Find results that contain...
Find results in...
KILZ FILLZ

Renters insurance?

Recommended Posts

How many of you guys have it?

 

Worth it?

 

Or kind of a scam? Like an extended warranty on a couch or whatever

Share this post


Link to post
Share on other sites

Last year some crazy bitch broke into a friends apartment and lit it on fire, burning down the whole apartment building. Didnt find out that she was the cause of the fire till the dumb bitch bragged about it on facebook. Eventually cops nabber her, and shes in a mental ward now.

 

Dude lost everything. Pretty much everyone in the apartment building didn't have insurance. They lost all their shit too.

 

Get renters insurance.

Share this post


Link to post
Share on other sites

I have it through USAA, pretty cheap.

 

Haven't had to use it, hope I don't, but I feel better about it. I'm not going to keep my comic book collection in a bank vault or risk losing thousands of dollars in bicycles without it.

 

The only firsthand situation I have with renters is this: I had a bike worth about 2 grand at a friends house, we'd ridden that day, and were going to ride in the morning so we left our bikes locked on his hitch rack. In the night the locks and cables was cut, our bikes were taken, and a couple of his neighbor's bikes got taken. His renters insurance gave him a check for my bike (he said it was his) and though the check was half of what I paid for the bike, it sure as shit was better than nothing.

Share this post


Link to post
Share on other sites

Renter's insurance is around 14 dollars a month or some shit (I'm not actually sure, it's just automatically withdrawn and I know it's a small amount).

 

Get it.

Share this post


Link to post
Share on other sites

i have it. It lowered my auto insurance to add it to the bundle, so i only pay about 7 bucks a month for it. security blanket if nothing else.

Share this post


Link to post
Share on other sites

It is required where I rent and costs 17 dollars per month. I do not think of it as a scam but would probably not call on them unless there was some real heavy damage.

Share this post


Link to post
Share on other sites

I rented for 4 years or so, never had it...most of my friends don't have it.

 

Not that it's a bad idea though...if you have crazy shit going on in your area and/or own anything of value.

Share this post


Link to post
Share on other sites
I have it through USAA, pretty cheap.

That's who I have it with as well. It's pretty cheap since I have my auto insurance with them.

 

My apartment community requires everyone to have insurance.

Share this post


Link to post
Share on other sites

insurance in general is a scam, imo

it's rarely or never come through for me or my fam

i only have homeowner's cuz it's required with a mortgage (and i would not make a claim except for a burglary or large fire)

never had renters

 

that said, i don't own a TV that costs a bajillion dollars

i have a nice sofa and a good computer

otherwise i think material shit is for the birds

so who knows, i might be the wrong person to ask

Share this post


Link to post
Share on other sites

I have rented for years and moved frequently. Renters insurance is cheap and worth it if something happens, which frequently does to renters.

 

I am with you on the rest of the insurances.

Share this post


Link to post
Share on other sites

Renters Ins is a great companion to auto insurance.

 

When I lived in Chicago, it was pretty custom to have your apartment robbed.

I'm on my phone so I'll spare the burglary stories.

 

Where Renters Ins comes in handy is when your car gets broken into.

Car insurance won't cover your non-stock accessories.

 

I've filed 2 claims in the past, one in Chi, one in AZ.

Auto ins won't cover radar detectors, speakers, CDs or whatever the fuck else you'd got gotten for.

But renters insurance will cover your possessions.

 

Both times my car got broken into I made up all sorts of shit and profited both times.

The key is in what you claim. I "claimed" I had a suitcase each time. Renters Ins pays out $50 per pair of jeans, 20-30 for shirts. $15 each CD.... Claim they boosted your 100 pack. Then claim any other item from your apt you "left in the trunk that day."

 

If you live in a high crime area, renters Ins all day.

Not sure about weather related things, I never lived in an area where an act of god was even remotely possible.

Share this post


Link to post
Share on other sites

Man cop you some renters insurance..definitely not a scam by any means....I used to go through state farm and its was 14 , 15bucks for the monthly nutt.ive used it one time in five yyears but it payed for itself thats for sure..sleep easy friend, or whatever that commercial says...

Share this post


Link to post
Share on other sites

Mos Def worth it I pay 20 bucks a month. Had a home invasion once - got my door kicked down, damaged windows, shit like that Insurance covered everything. Also Renters insurance covers your car, if you get something stolen from it like your radio, jewelry. But you need to take photos of everything you own and submit it to your insurance company so they file it.

Share this post


Link to post
Share on other sites
Troll dolls are good luck. I have a few in a safety deposit box at the bank, suppose I should take them with me, or put one on the dashboard on my car.

 

Word. My dad threw mine out when we got mold right before the parade of homes.

 

home owners insurance yo!

Share this post


Link to post
Share on other sites

Register for a 12ozProphet forum account or sign in to comment

You need to be a forum member in order to comment. Forum accounts are separate from shop accounts.

Create an account

Register to become a 12ozProphet forum member.

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

×