OLA in the News: Do Renters Need Insurance?

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... under certain circumstances it is possible to have your possessions covered by the LL. The only circumstances I can think if though are through LL negligence or carelessness.

There is of course a whole slew of reasons a tenant should have contents insurance. Liability coverage is only one reason of many.

Yep

There is only one reason why a tenant might want to get contents insurance. If they are intimidated by their landlord and don't want to face them in court proving their responsibility. I think that's the goal of landlords here (on this thread and on all the others.) Tenants -- if you don't assert your rights, you have none.

Good luck if you are ever found at fault for negligible or willful damage to rented property. Unless you are on welfare.

[Openborders]

It's clear you are not very knowledgeable. That's not an insult, but if the shoe fits...

There are very few cases where the landlord isn't responsible. Tenants can be assisted by their local Legal Aid clinics to make sure the landlord is held responsible.

The truth of the matter is it's easier to collect from your landlord with the help of Legal Aid than it is to be compensated by an insurance company anyway!

[zerg]

It's clear you are not very knowledgeable. That's not an insult, but if the shoe fits...

There are very few cases where the landlord isn't responsible. Tenants can be assisted by their local Legal Aid clinics to make sure the landlord is held responsible.

The truth of the matter is it's easier to collect from your landlord with the help of Legal Aid than it is to be compensated by an insurance company anyway!

I think you need to go back to your fantasy land where all these things come true. There's a difference between the landlord being responsible, and the tenant+legal aid lying to make the LL look responsible because the tenant was too stupid to have insurance.

I really can't wait for them to clean up this system and leave the scammers in legal aid jobless, and the scammer tenants homeless. Very few of you are being punished for what you do, and fortunately your free ride on the gravy train will only last so long. I, for one, refuse to see my tax dollars put towards these abuses.

I would love to see all small landlords close up shop just to watch the cockroaches of society scurry to the nearest dark corner.

[Skitter]

What if the fire is the fault of the LL due to negligence or carelessness though?

THEN the tenant(s) could possibly get reimbursement from the landlord and or the LL's insurance company.

But I can tell you that in 20 years of attending residential fires, it is almost always the fault of the tenant.