“No, I just never had enough stuff to insure when I was renting.”
“Not in over 30 years. I did when I used to rent, but I never had to file a claim.”
“My husband and I have that now on our apartment. We wanted to protect our property and all our belongings.”
“Yes, I did, the first time I had an apartment, but that was the only time I have rented.”
Top ads RSS
- Accountant, A/P Budget & General Operations
- Research Assistant The High Throughput Screening Lab seeks a research ...
- Tonganoxie Nursing Center Is currently hiring for the following positions: ...
- Assistant Branch Manager & Banker
- IT Project Manager Lead large and medium IT projects/program from ...
Marketplace
Arts & Entertainment · Bars · Theatres · Restaurants · Coffeehouses · Libraries · Antiques · Services
- Capitalism February 13, 2012 · 78 comments
- Lawrence man sues Kansas highway patrolman over Tasing incident February 13, 2012 · 17 comments
- 40 years ago: A peek at Lawrence's movie offerings, burger stands February 13, 2012 · 5 comments
- On the street: How would you feel about working with your significant other? February 13, 2012 · 30 comments
- Branch manager of Chicago Public Library to be first of three finalists to interview for directorship of Lawrence Public Library February 13, 2012 · 7 comments
- White House's 2013 budget includes no new money for Kansas bio-security lab February 13, 2012 · 20 comments
- Sound Off: I have not received a phone book for the past two years. Is there a phone number to call February 13, 2012 · 18 comments
- Poll: Have you ever worked in the agricultural industry? February 10, 2012 · 16 comments
- Blog: What Is The Matter With Liberal Kansans? February 13, 2012 · 7 comments
- Sound Off: I heard that postage went up recently. Are the “forever” stamps that were purchased in 20 February 11, 2012 · 68 comments
- Town Talk: Craft beer festival coming to Downtown Lawrence; city commissioners set date to begin discussing trash changes; weekly property sales February 13, 2012
- Organization is eternally young: Boys and Girls Club turns 40 February 12, 2012
- White House's 2013 budget includes no new money for Kansas bio-security lab February 13, 2012
- Branch manager of Chicago Public Library to be first of three finalists to interview for directorship of Lawrence Public Library February 13, 2012
- Heard on the Hill: Conference football likely to be set soon, brides-to-be exhale; KU music students offering free lessons; Kansas State coach wants everyone to stop swearing at KSU games February 13, 2012
- Pummeling KU February 10, 2012
- Report: Speedy running back commits to KU February 13, 2012
- Capitalism February 13, 2012
- County candidates join forum Tuesday July 26, 2008
- Together 24/7: Couples who do business alongside one another share secrets to success February 13, 2012
Comments
LJWorld.com doesn’t necessarily condone the comments here, nor does it review every post. Read our full policy. Also, read about banned accounts and harassing comments.
rohdek (Kyle Rohde) says…
Its sort of stupid and ignorant to not have it. Do you drive a car or own a home without insurance? Why would you rent a place without it? I've had it for two years here in Lawrence and I'll keep buying it when I move to KC this summer.
GreenEyedBlues (anonymous) says…
Oh, Krissy Dye, I used to think the same thing.
But after living in a place for more than 2 years one starts to make it more "homey" with furniture, art, and electronics. Not to mention spending disgusting amounts on Disney DVDs and collectibles. Before ya know it you've got to have renters' otherwise you may lose thousands of dollars in furnishings.
I once had this horrible problem with my apartment's breaker contacts. Power surges and brown outs happened like 10 times a day. I lost a television, a computer, a DVD player, a microwave, X-Box and a Gamecube in the course of two months. Luckily for me a lot of those products were covered under Best Buy warranty.
It was a horrible time. It took forever for maintenance guys to fix my stuff! I'll give all of you renters one guess as to from whom I rent.
HINT: Starts with a "F" ends with "IrstManagement"
lunacydetector (anonymous) says…
it is a waste of money. the odds are you'll never need to use it and the way insurance companies make it difficult when it is time to pay out on anything, why give them easy money for their coffers? when i rented i NEVER had to use it, ever, and i don't know anyone who ever used it either. i only fell for the renters insurance scam for a couple of years. after forking out $600 over a couple of years, i realized i could've used that money for some very nice furniture instead.
lunacydetector (anonymous) says…
...i agree homeowners is necessary. it is a pity insurance is a legalized scam. the JW should've done a story on how difficult it is to get a payout from your insurance company if you file a claim. they make you jump through hoops and only after you get done with the dog and pony show, will the insurance company pay out. but our illustrious governor was the previous insurance commissioner, so don't look for any reform anytime soon.
Liberty (anonymous) says…
The only reason (I think) that you need house insurance, is if you have a bank loan on the house. I think the bank wants it's part that it owns of your house protected with insurance and wants you to pay for it all.
The requirement for car insurance is equally a scam. They have the "law makers" in their pocket and have made a "law" or statute requiring you to have proof of car insurance before getting a car tag. It was originally for no fault coverage, but there are no constraints on the cost of this insurance on the insurance company's part. A simple mistake of law makers, but at your cost and the insurance company's gain. We need common law back in the court system instead of this admiralty/Roman law junk that is in the courts today. This would allow personal liability (you have to show a loss) instead of insurance companies coverage being mandated by the state, whether it is needed or even wanted or not.
Jayhawk226 (anonymous) says…
Every place I have ever rented has required it of me, and State Farm has offered me an auto insurance discount then.
I have no problem with it at all.
Fangorn (anonymous) says…
I bought renter's insurance when I rented. I never had to use it, and I certainly never had a run of bad lucky like GreenEyedBlues. (Good Lord, man! I think I would have moved after the computer or the DVD player.)
I've only ever had one claim on our auto insurance (hail broke a window) and one on our home owner's insurance (a break-in that deprived us of a new television, a VCR, and a DVD player). Both times, the insurance claims process was fairly painless. I've heard the horror stories, but I must be with a good company.
merrywidow033 (anonymous) says…
the first place i lived in (which was in topeka, sadly) i didn't have renters insurance. the "maintenance" man ended up grounding the electricity incorrectly, which caused a power surge through the first two floors. my friend lost her flat screen tv, her stereo, and we had to buy a brand new refrigerator. Westar reported the "landlady", but we lost a lot on our equipment.
raven (anonymous) says…
A little late on this one, however I must say having previously worked for an insurance company Renters Insurance is far from a scam. It is very inexpensive and completely worth it. Just ask the people who lived at Aberdene when that Tornado hit a couple years ago. Yes more than likely that won't happen but if it does it is easier to let you insurance company foot the bill than yourself. Also, if it is so hard to make a claim with your companies I would consider switching.