You're right dear, I only have $100 worth of fabric...hah!
#112
so here's the question:
Can I have renter's insurance if my name isn't on the lease?
I live with my boyfriend and he has renter's insurance. he pays for the insurance. he pays the rent.
i don't think it would be fair to ask him to pay more insurance money to cover my stuff - but i have a decent amount and would like to have it covered. (we had a leaky roof issue last year, and while i've moved stuff from the danger zone, it would be nice to know that i could replace my machines if they were ruined.)
so, can i get renter's insurance if my name's not on the lease?
Can I have renter's insurance if my name isn't on the lease?
I live with my boyfriend and he has renter's insurance. he pays for the insurance. he pays the rent.
i don't think it would be fair to ask him to pay more insurance money to cover my stuff - but i have a decent amount and would like to have it covered. (we had a leaky roof issue last year, and while i've moved stuff from the danger zone, it would be nice to know that i could replace my machines if they were ruined.)
so, can i get renter's insurance if my name's not on the lease?
#115
Power Poster
Join Date: Sep 2007
Posts: 18,726
Thanks for bringing this up...I just talked about it with my DH ( a retired insurance agent!)..He suggested that I take pics of all of it since I have no receipts. Since we have "replacement costs" that will be enough for our agent. Whew!
Jet....call your insurance agent and ask them..all situations are different.
Jet....call your insurance agent and ask them..all situations are different.
#116
This is all my agent tells me, take pictures our policy covers replacement. I think I need to talk to her instead of DH.
Originally Posted by sandpat
Thanks for bringing this up...I just talked about it with my DH ( a retired insurance agent!)..He suggested that I take pics of all of it since I have no receipts. Since we have "replacement costs" that will be enough for our agent. Whew!
Jet....call your insurance agent and ask them..all situations are different.
Jet....call your insurance agent and ask them..all situations are different.
#118
Member
Join Date: Apr 2010
Location: Cleveland OH
Posts: 41
I had replacement value on my contence. Which I made higher than the house value. But when I had a fire,contained to the kitchen, The smoke damage was everywhere. I was told I had too much. I must be a business. The 18 finished baby quilts in the den were runird, but not covered. The one saving grace was that my stash in my sewing room was not damaged. The other 3 bedrooms were. Why? I closed the door to keep the cats out. So good luck trying to cover your stash. I was told I could not cover "a business" in my homeowner ins. But do keep the door shut when not in rooms upstairs or down the hallways. Makes a huge difference!
#119
Senior Member
Join Date: Nov 2007
Location: Arkansas
Posts: 359
Omigosh, BUSTED! I just moved and my husband built shelves for my 14 ft long fabric closet. I filled it all up, 5 shelves worth. I'm glad he didn't ask how much I thought it was worth. Might be funny to get a number from him though! Wow!
#120
Originally Posted by jetnica
so here's the question:
Can I have renter's insurance if my name isn't on the lease?
I live with my boyfriend and he has renter's insurance. he pays for the insurance. he pays the rent.
i don't think it would be fair to ask him to pay more insurance money to cover my stuff - but i have a decent amount and would like to have it covered. (we had a leaky roof issue last year, and while i've moved stuff from the danger zone, it would be nice to know that i could replace my machines if they were ruined.)
so, can i get renter's insurance if my name's not on the lease?
Can I have renter's insurance if my name isn't on the lease?
I live with my boyfriend and he has renter's insurance. he pays for the insurance. he pays the rent.
i don't think it would be fair to ask him to pay more insurance money to cover my stuff - but i have a decent amount and would like to have it covered. (we had a leaky roof issue last year, and while i've moved stuff from the danger zone, it would be nice to know that i could replace my machines if they were ruined.)
so, can i get renter's insurance if my name's not on the lease?
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