DirecTV and liability insurance?
#1
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DirecTV and liability insurance?
Ok, not sure if TV Talk was the right place for this, so mods please move if it belongs somewhere else.
Anyhow, the wife and I are moving to a new apartment soon, and I asked if a dish was allowed. The manager said it'd cost an extra $50 towards the deposit, and I'd be required to maintain $10,000 in liability insurance.
Now my questions are:
1. How much would something like this cost per month? Are we talking cheap like $5 a month or more like $30 or $40? If it's too high, I'll get (ugh) cable.
2. Assuming I do decide to get it, who provides it? DirecTV? My auto insurance company (I know they provide home and life, so I thought maybe this, too)? Another company?
Just curious on what my options are.
Anyhow, the wife and I are moving to a new apartment soon, and I asked if a dish was allowed. The manager said it'd cost an extra $50 towards the deposit, and I'd be required to maintain $10,000 in liability insurance.
Now my questions are:
1. How much would something like this cost per month? Are we talking cheap like $5 a month or more like $30 or $40? If it's too high, I'll get (ugh) cable.
2. Assuming I do decide to get it, who provides it? DirecTV? My auto insurance company (I know they provide home and life, so I thought maybe this, too)? Another company?
Just curious on what my options are.
#4
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Originally Posted by nickdawgy
Well I suppose we could get it. How much would that run?
Depends on your area and how much you have to insure. Mine is like $150/year or something like that. You never know what can happen. A friend of mine lived in an apartment in Syracuse that was basically destroyed by a huge storm in the summer of '98. He lost a lot of stuff (electronic equipment, computer, etc) due to water coming throught the roof (which was partially torn off). He would have been fucked without renters insurance.
#6
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Originally Posted by nickdawgy
Well I live in Southern California, so I suppose fires and earthquakes could be a problem.
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Originally Posted by nickdawgy
Well I live in Southern California, so I suppose fires and earthquakes could be a problem. $150 a year doesn't seem bad. Does that include the liability or not?
#9
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Originally Posted by nickdawgy
So assuming I get renters insurance for say $150ish a year, take a guess.... how much extra is the liability insurance? A few bucks? More then $10? Just wondering.
Probably about that. It may even be included.
#10
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I'm pretty sure my rental insurance includes some liability insurance. Hopefully things will have changed by now, but when I tried buying renter's insurance in California in the mid 90's, no place would do it because of all the earthquakes and floods etc.
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It usually includes a base liability insurance, but you might have to increase it in this case.
Regardless of DirecTV, you need renter's insurance, unless you could easily afford the financial hit from having everything in your apartment stolen or destroyed. The landlord is not responsible for your personal property in the event of a fire, water damage, etc. unless there was negligence involved.
Regardless of DirecTV, you need renter's insurance, unless you could easily afford the financial hit from having everything in your apartment stolen or destroyed. The landlord is not responsible for your personal property in the event of a fire, water damage, etc. unless there was negligence involved.
#14
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Basically agree with what other posters have said. Renter's insurance is a GOOD idea. Especially if you like your stuff. You never know what whackjobs you could be living next to. And I would think liability insurance would be included under that.
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Legally, I don't think your apartment complex can put a regulation like that on your use of a dish--I'm pretty sure FCC regs forbit it. Mine tried that, and I sucessfully fought them on it. I told them that if they wanted, we could go to court and they could explain to a judge why it was a requirement, and they backed off. This, of course, was before I knew about renter's insurance.
So, while you could probably get away with it, as others have mentioned, you should get renter's insurance anyway. I got mine through my auto insurance company, and my rates went up around $4/month. Basically, they gave me a discount on the renter's insurance for insuring my car with them, then they gave me a discount on my car for getting renter's insurance. I have $40,000 coverage too. Well worth the price.
So, while you could probably get away with it, as others have mentioned, you should get renter's insurance anyway. I got mine through my auto insurance company, and my rates went up around $4/month. Basically, they gave me a discount on the renter's insurance for insuring my car with them, then they gave me a discount on my car for getting renter's insurance. I have $40,000 coverage too. Well worth the price.
#16
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(if and) when you do get renter's insurance in SoCal, can you post about it and let me know? I live in LA, which to me would seem to make any rental insurance I could get go through the roof (much like my car insurance), but I'm not entirely sure.
Although it seems like rain and mudslides are more of a threat these days than earthquakes (knock on wood...)
Although it seems like rain and mudslides are more of a threat these days than earthquakes (knock on wood...)
#17
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I have to have $500,000 liability on my renters insurance for my dish.
But it only costs me like $110 a year. I get a double policy discount from Erie Insurance for having renters and car insurance. So it's no big deal and renter's insurance is something you should have anyway.
But it only costs me like $110 a year. I get a double policy discount from Erie Insurance for having renters and car insurance. So it's no big deal and renter's insurance is something you should have anyway.