- Frugal Renters Insurance - 11 Updates
| Beaver_Fever@live.com: Jul 31 11:52PM -0700 On Monday, July 31, 2017 at 10:23:21 AM UTC-7, ItsJoan NotJoann wrote: > > Good idea- requiring roommate to insure. Not only does it allow you to easily insure your home, but it would weed out undesirables. If an insurance company won't insure a renter because of too many fires, floods, or riff-raff making off with the silverware; then why would you want them? > That's the truth! And if they refuse to get their own renters policy > then you definitely don't want to be sharing living quarters with them. This dude does extra work a few times a month. He can barely afford the bare necessities. But he doesn't mess with my stuff. Keep in mind we are each paying $500 where average rent now over $2000. |
| ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Aug 01 10:56AM -0700 > This dude does extra work a few times a month. He can barely afford the bare necessities. But he doesn't mess with my stuff. Keep in mind we are each paying $500 where average rent now over $2000. What do you mean 'extra work a few times a month'? If he can't afford to pay his renters insurance then he'll start having excuses of why he can't pay his portion of the rent. Maybe he needs to live in a homeless shelter if he's that strapped for cash. "According to the Independent Insurance Agents & Brokers of America, the average cost of renters insurance is $12 per month for $30,000 of property coverage and $100,000 of liability coverage. Additional coverage options may be available for an additional expense depending on the insurance provider." |
| Dennis <dgw80@hotmail.com>: Aug 01 12:55PM -0700 On Sat, 29 Jul 2017 11:59:52 -0700 (PDT), ItsJoan NotJoann >Renters insurance really is cheap and a wise investment. +1 on renter's insurance. We used to own a small apartment building. One evening there was a fire (caused by a cigarette dropped in a couch by a tenant's boyfriend, it finally came out) that gutted one unit and caused smoke and water damage on the rest. Fortunately no one was hurt. Our landlord policy covered the damage to the building but, of course, did not cover any damage to the tenant's possessions or provide money for their accomodations while the building was repaired. We refunded everyone's paid rent for the month and also paid for storage units for tenant's stuff while the repairs were made, but that was all we could manage. Our insurance agent told us that they could have purchased renter's insurance to cover their losses and expenses for about $15/month, but no one had any insurance. Of course, these were the same people (all single mothers on section 8) who complained that they couldn't afford milk for their kids, but always seemed to have enough of money for beer, cigarettes and cable TV. Once all the repairs were made and everything was cleaned, shiny and new, we decided it was a good time to sell. Never regretted it. Dennis (evil) -- I'm behind the eight ball, ahead of the curve, riding the wave, dodging the bullet and pushing the envelope. -George Carlin |
| Bob F <bobnospam@gmail.com>: Aug 01 02:40PM -0700 On 8/1/2017 10:56 AM, ItsJoan NotJoann wrote: > he can't pay his portion of the rent. Maybe he needs to live in a > homeless shelter if he's that strapped for cash. > "According to the Independent Insurance Agents & Brokers of America, the average cost of renters insurance is $12 per month for $30,000 of property coverage and $100,000 of liability coverage. Additional coverage options may be available for an additional expense depending on the insurance provider." Nice of you to make instant judgements on so9meone you have never met. |
| wilma6116@gmail.com: Aug 01 04:11PM -0700 I make that same instant judgement all the time- if you ain't got $0.40/day, you ain't getting the keys to my stuff. |
| Beaver_Fever@live.com: Aug 01 04:27PM -0700 On Tuesday, August 1, 2017 at 10:56:16 AM UTC-7, ItsJoan NotJoann wrote: > he can't pay his portion of the rent. Maybe he needs to live in a > homeless shelter if he's that strapped for cash. > "According to the Independent Insurance Agents & Brokers of America, the average cost of renters insurance is $12 per month for $30,000 of property coverage and $100,000 of liability coverage. Additional coverage options may be available for an additional expense depending on the insurance provider." Extra as in movie extra. This is that kinda town and this is originally his place. Whatever with the rent is between him and the landlord. I can't make him pay any additional bills and don't want him freeloading on my policy. |
| ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Aug 01 04:39PM -0700 On Tuesday, August 1, 2017 at 4:40:16 PM UTC-5, Bob F wrote: > > homeless shelter if he's that strapped for cash. > > "According to the Independent Insurance Agents & Brokers of America, the average cost of renters insurance is $12 per month for $30,000 of property coverage and $100,000 of liability coverage. Additional coverage options may be available for an additional expense depending on the insurance provider." > Nice of you to make instant judgements on so9meone you have never met. I'm making my judgement on what Beaver has told us. Someone who apparently is strapped for cash on a regular basis. If he's this broke regularly, how is he expected to make his part of the monthly rent if he lives on less than a shoestring budget? |
| ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Aug 01 04:42PM -0700 > Extra as in movie extra. This is that kinda town and this is originally his place. Whatever with the rent is between him and the landlord. I can't make him pay any additional bills and don't want him freeloading on my policy. Has he ever gone out and actively searched for a job that has steady pay or is he hoping to be 'discovered'? If whatever 'the rent is between him and the landlord' and he doesn't pay his share, you'll BOTH be at the homeless shelter. |
| ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Aug 01 04:43PM -0700 > I make that same instant judgement all the time- if you ain't got $0.40/day, you ain't getting the keys to my stuff. ^5! |
| Beaver_Fever@live.com: Aug 01 04:51PM -0700 On Tuesday, August 1, 2017 at 4:42:57 PM UTC-7, ItsJoan NotJoann wrote: > or is he hoping to be 'discovered'? > If whatever 'the rent is between him and the landlord' and he doesn't > pay his share, you'll BOTH be at the homeless shelter. We both the pay the landlord individually. I am happy to pay half, if he hits the skids I will pay everything if I have to. |
| Beaver_Fever@live.com: Aug 01 04:53PM -0700 On Tuesday, August 1, 2017 at 4:39:57 PM UTC-7, ItsJoan NotJoann wrote: > is strapped for cash on a regular basis. If he's this broke regularly, how > is he expected to make his part of the monthly rent if he lives on less > than a shoestring budget? It's a mystery to me too but I am in much better financial shape than when I moved into this mess. However it would not be advantageous to move out at this time. He's lived here over 20 years under the same circumstances. |
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