Poll of the Day > Plan to get renter's insurance for a new apartment

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Zedonra 04/26/23 7:51:07 PM #1:	What is the best cheap one with water damage covered, because my new apt has a fire sprinkler system. I don't want to bundle with any other insurance. --- Playing: XB3, TotA, Grime MHR:SB, MHW: IB \| MR329+/HR 561+ \| LS/CB/GS/BOW "The imagination is a weapon, those who don't use it, die first" <cite>Zedonra posted [p:973096313] in Plan to ge... [t:80424967]...</cite> <quote>What is the best cheap one with water damage covered, because my new apt has a fire sprinkler system. I don't want to bundle with any other insurance.</quote> ... Copied to Clipboard!
wolfy42 04/27/23 2:32:34 AM #2:	Honestly it really doesn't matter, it's very lax how they cover it. I just always bundled since the more you have with one company, the cheaper they all are. I had car/renters/identity theft etc on mine, which made renters like 5$ a month per 50k insured. Then all you have to do is take pictures of all your stuff and you are covered if anything happens (theft/damage etc). It's so cheap when bundles it's basically free ($5 a month when you easily have over $10k worth of stuff is seriously worth it. My TV was 2k, my computers were bout that each, I used to have really nice furniture etc. I stopped having it when moved right before covid and left most of my stuff behind. Now I have the Same TV (which was 2k new but could be bought used for $400). Only 1 computer that was 1.2k new (prob $400 used) and that is about it. Not even worth $5 a month insuring that. Would look at the real value/replacement value of your stuff, but yeah, basically it just doubles for each 50k you are insuring at about (well it was for me) $5 a month per 50k. Totally worth it in my opinion even if you only have like 10-20k like I did. If you have less than 2k (my current situation) it's just not worth it anymore. --- Tacobot 3000 "Saving the world from not having tacos." Friends don't make their friends die Hanz. Psychopathic friends do. <cite>wolfy42 posted [p:973102810] in Plan to ge... [t:80424967]...</cite> <quote>Honestly it really doesn't matter, it's very lax how they cover it. I just always bundled since the more you have with one company, the cheaper they all are.I had car/renters/identity theft etc on mine, which made renters like 5$ a month per 50k insured. Then all you have to do is take pictures of all your stuff and you are covered if anything happens (theft/damage etc).It's so cheap when bundles it's basically free ($5 a month when you easily have over $10k worth of stuff is seriously worth it.My TV was 2k, my computers were bout that each, I used to have really nice furniture etc. I stopped having it when moved right before covid and left most of my stuff behind. Now I have the Same TV (which was 2k new but could be bought used for $400). Only 1 computer that was 1.2k new (prob $400 used) and that is about it. Not even worth $5 a month insuring that.Would look at the real value/replacement value of your stuff, but yeah, basically it just doubles for each 50k you are insuring at about (well it was for me) $5 a month per 50k. Totally worth it in my opinion even if you only have like 10-20k like I did.If you have less than 2k (my current situation) it's just not worth it anymore.</quote> ... Copied to Clipboard!
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