185 ms·

Fine print in insurance contracts is probably the only fine print I ever read.

jdavis703 5y ago
As should everyone. Last summer I learned at least some renters insurance generally doesn’t cover riots. So yes, even though you may not care if your landlord’s building goes up in flames, you should care that your personal property won’t be covered. Just calmly & peacefully (no need to brandish weapons) standing outside your apartment like you’re a homeowner can make a material difference.
- albedoa 5y ago
  Every one of the first like nine google results says that riot coverage is standard.
  - jdavis703 5y ago
    Ok, I was using the renters insurance my landlord pushes. Perhaps that’s just a crummy package. Anyways, it pays to read the fine print… And even situations that seem unlikely like a riot or a pandemic, well they actually are worth getting insurance for.
    - ipaddr 5y ago
      Using insurance your landlord pushes sounds like a bad idea.
      - netizen-936824 5y ago
        I've always avoided those and source my own for this reason. I doubt they have the best coverage for the renter as opposed to best for landlord outcomes. Landlords have enough money and power, this is one thing we can do within that balance to maintain some control.
        jessaustin 5y ago
        It's probably more straightforward than that: the landlords just get a bonus for referrals.
- deleted 5y ago
  [deleted]
- BoorishBears 5y ago
  That definitely doesn't sound right... Are you sure you're not referring to some sort of clause excluding a "riot" in the context of war? I've switched renter's insurance providers a lot and never seen something like "civil commotion" not being a covered peril
  - jdavis703 5y ago
    This was renters insurance pushed by the landlord. Perhaps it’s the barebones the landlord was OK with (e.g. if I burn down the house cooking or create a flood changing the plumbing they get paid out and don’t give a crap about what happens outside of normal tenant-caused disasters).
    - dpark 5y ago
      What? Renter’s insurance should cover your losses, not the landlord’s.
      - simplestats 5y ago
        It pays the landlord if they sue you and win. That's why they require it commonly. Some landlords even require tenants to cover them with your insurance as additional insured (I think this is stupid). Though it is common for business leases I believe.
      - cmurf 5y ago
        It covers renter's liability too. Whether by accident or negligence, you can be held liable for damages to other people's property.
      - dragonwriter 5y ago
        > Renter’s insurance should cover your losses, not the landlord’s Renter’s, like homeowner’s, insurance, usually includes some liability coverage. The landlord is a particularly likely person for a renter to have liabilities to.
        5y ago
Groxx 5y ago
Yeah, 23 hours is about what I'd expect for this. Insurance is reasonably important, and 4,000 words is quite short (~8 pages). I've read much longer insurance agreements. If you really want one of these clauses to go unclaimed, bury it in the middle of a software EULA from a large company, like EA. Ain't nobody reading those.
quickthrower2 5y ago
Employment contracts are worth a digest too:

As should everyone. Last summer I learned at least some renters insurance generally doesn’t cover riots. So yes, even though you may not care if your landlord’s building goes up in flames, you should care that your personal property won’t be covered. Just calmly & peacefully (no need to brandish weapons) standing outside your apartment like you’re a homeowner can make a material difference.

albedoa 5y ago
Every one of the first like nine google results says that riot coverage is standard.
- jdavis703 5y ago
  Ok, I was using the renters insurance my landlord pushes. Perhaps that’s just a crummy package. Anyways, it pays to read the fine print… And even situations that seem unlikely like a riot or a pandemic, well they actually are worth getting insurance for.
  - ipaddr 5y ago
    Using insurance your landlord pushes sounds like a bad idea.
    - netizen-936824 5y ago
      I've always avoided those and source my own for this reason. I doubt they have the best coverage for the renter as opposed to best for landlord outcomes. Landlords have enough money and power, this is one thing we can do within that balance to maintain some control.
      - jessaustin 5y ago
        It's probably more straightforward than that: the landlords just get a bonus for referrals.
deleted 5y ago
[deleted]
BoorishBears 5y ago
That definitely doesn't sound right... Are you sure you're not referring to some sort of clause excluding a "riot" in the context of war? I've switched renter's insurance providers a lot and never seen something like "civil commotion" not being a covered peril
- jdavis703 5y ago
  This was renters insurance pushed by the landlord. Perhaps it’s the barebones the landlord was OK with (e.g. if I burn down the house cooking or create a flood changing the plumbing they get paid out and don’t give a crap about what happens outside of normal tenant-caused disasters).
  - dpark 5y ago
    What? Renter’s insurance should cover your losses, not the landlord’s.
    - simplestats 5y ago
      It pays the landlord if they sue you and win. That's why they require it commonly. Some landlords even require tenants to cover them with your insurance as additional insured (I think this is stupid). Though it is common for business leases I believe.
    - cmurf 5y ago
      It covers renter's liability too. Whether by accident or negligence, you can be held liable for damages to other people's property.
    - dragonwriter 5y ago
      > Renter’s insurance should cover your losses, not the landlord’s Renter’s, like homeowner’s, insurance, usually includes some liability coverage. The landlord is a particularly likely person for a renter to have liabilities to.
      - 5y ago

Groxx 5y ago

Yeah, 23 hours is about what I'd expect for this. Insurance is reasonably important, and 4,000 words is quite short (~8 pages). I've read much longer insurance agreements. If you really want one of these clauses to go unclaimed, bury it in the middle of a software EULA from a large company, like EA. Ain't nobody reading those.

quickthrower2 5y ago

Employment contracts are worth a digest too: