I'm a student renting a condo/duplex. I have two roommates who might actually be retarded. They leave food in the oven or stove and leave the house while is still cooking. I'm terrified all my shit is going to go up in flames one of these days. The owner of this place does have insurance and we each signed seperately. But if the place goes up in smoke. Do I get any compensation or do I get shafted and all my stuff is gone?
Tl:dr idiot roommates. Maybe big fire. Is my stuff covered under insurance that owners have? They didn't require us to buy renters insurance.
Also I live in Alabama if that matters
Contact your insurance company
>>989674
insurance is a scam. just save your money and whatever happens, happens.
>>989681
Possibly the worst advice I have ever read in my life.
>>989674
Just buy renter's insurance. It's like $100 for a year's worth.
I guess what I'm asking is should I purchase it or do most rental agencies include it in monthly rent?
You 100% always have renters insurance. its like 6-9$ a month. depending on how much stuff you have.
>>989682
There is economics studying insurance. If you can afford to pay the cost, ie losing your bag, insurance ain't worth it.
>>989674
Yea get renters insurance. It's cheap ($100 a year for me).
You get nothing from the land lords insurance.
>>989744
r u a chinese man?
>>989674
Get fucking insurance ... who's the retard? It'll be anywhere from $35 to $100 a year. It'll cover more than just your stuff too. Some have liability wrapped into them as well. Go talk to your insurance agent.
>>989681
Personal property when you don't own shit - yes OK you have a point
Liability - NOOOOOOOO
>>989751
If he causes a huge amount of damage to his neighbours he might go bankrupt because of it. Rare, but accidental fires happen weekly.
To op, take one, they're inexpensive and you'll feel secure by it.
T. Insurance salesman in europe
