The #1 Mistake a Renter Can Make
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- Опубликовано: 27 сен 2024
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I love that Dave is always focused on minimizing risk.
So is a good attorney!
@@justinacase2623 So is a mom.
@@ShiftingCloudsYT and with good reason!
Getting Renters Insurance is easy. Getting money out of claim when you need it is a different story.
Why's that?
Make a claim, you'll find out!
I had renters insurance and went on vacation in San Diego. Someone broke into my hotel room and stole my laptop, tablet and watch. The renter's insurance policy covered everything. 😀
EXACTLY
It’s most definitely a process.
I just moved into my apartment over a month ago and I am required to have renter's insurance, which is a good thing.
5/19/19.....Renter's insurance also pays for you to go a motel when your apt burns down.
Apt owner/mgmt doesn't give you another place to live....
Ins also pays if anybody gets hurt/falls while visiting you in your apt.
My auto insurance policy was cheaper to bundle auto and renters insurance then not having renters insurance. The bundle discount was greater then the $14 a month renters insurance. I couldn't wrap my head around it but eventually I decided not to question it and kept the renters insurance even when I didn't need it to lower my auto policy. I lived in a furnished basement so hardly anything belonged to me. People just don't know about renters insurance. I never had it for years, my parents didn't even tell me about it when I first moved out. As a landlord I ask tenants if they will get renters insurance to make sure they know about it.
rustyscrapper My experience has been the same. And thus economically you will always be ahead when you get renter's insurance.
Wait, I don't get it. U are a landlord? But u also live in a furnished basement? Just curious. I lived in a basement too. It's really no bad at all. But I didn't own property.
Can confirm, my $15 per month policy just saved me $11,000 because of a fire I recently had.
How easy was the claim to make?
40K fire here - renters insurance very important! Meanwhile, the HOA and the owner had some problem and they are still rebuilding 3 years later.....
Which company are you with?
@@angelitaazuara4091 Assurant
@@ThePeterDislikeShow Really easy
State Farm I pay $10 a month, $40,000 covers my stuff, and $300,000 apartment
Yep state farm may as well give it away for free for what one gets.
What is you deductible? $2000?
@@MAJAWAR just got a polciy with Allstate in Texas bundled with auto for 20$ a month 200$ a year for 500k liability and 100k personal property 250$ deductible
Bad advice Dave. Why pay a fee to a broker when you can easily get online and compare insurance products yourself free of charge? Before the internet, sure, you needed a broker. These days you don't. A broker is just going to make you broker.
When I get my first apartment I'm not putting anything in it but a mattress. No furniture no problem. I'm there to sleep inbetween making money.
ryan tyler and eat? And shower? And do laundry...?
Emily Booth Yes I would shower and eat and what not, I think you read into my response very literally. A shower should already be built into the apartment as well as a stove and a fridge. I mean things like furniture and paintings and decorations etc. I believe a home is a place of comfort and when you don't yet have a means for comfort and luxury things you should be working so much that you never are at the apartment. If I had a nice warm place to live in I'd want to spend all my time there not doing hard things. If I came home to an empty hole I'd rather be out in the world exploring or making money and being productive with my time.
Also apartments are a temp thing for most, so moving all that furniture and junk you collected would be a nightmare and very expensive.
So why not lived with family or friends 1 day here 2 days there
I knew a guy like that, he then got a girlfriend and brought her home and girlfriend had to sleep on the mattress on the floor 😂😂😂😂
Must apartments make renter's insurance mandatory.
None of the apartments I have ever lived in have required or even suggested it.
Shelby Chanel Maybe a Texas thing?
The bigger the landlord the more likely they are to require it, because they experience the headache once or have a lawyer and it doesn't cost them anything.
True, ours requires it
landlords cannot make you get it....a good lease will explain landlord is not responsible for personal property and not liable and you sign it.
Mistakes you can make: not getting renter's insurance, using too much on your budget on rent.
Chiara TV You'll use far more of your budget replacing all your stuff if something happens.
Renters insurance is worth the little amount charged.
Me and my wife lived in a mobile home. We had a fire that did a lot of damage. The insurance covered all of our stuff and the structure damage. We were able to replace most everything and the landlord was able to repair the place.
We don't rent anymore. But it was only about 15.00 a month and worth it.
Insurance in general is always worth it.
I just moved out of my parents house & I already want go back.
Go home
Then go back? I'm 26 and living at home but I'm almost done paying off my student loans and ill be debt free then I can buy a house. All depends on your situation and your plans. I do all the work around the house so my parents don't mind at all haha. They'll probably miss me
BooksPartiesDiapersAndMusic & Ryan Turner, i was staying after graduation to pay off my student loan & then saved up till i couldnt handle it anymore. my parents are overcontrolling. im just going thru an uncomfortable phase coz ive never been independant in my life.
Ryan Turner how are you going to buy a house right after taking so long to pay off your debt? How much are you making?
Hang in there and stick with the program. It gets easier.
As you build your career and acquire the skills and items it's not so stressful. Just remember to keep your expenses low and build your income.
Best and cheapest renters insurance I’ve seen is from Lemonade
It's a risk calculation everybody should make for themselves. If the stuff in your appartment isn't worth much and you have the means to replace everything easily, having no such insurance may be an option.
From the numbers Dave mentioned, I get the impression that renter's insurance is more expensive in the US than in Germany where the same monthly amount would buy you full coverage for a pretty substantial home - but then, it would be a lot more difficult to sue for damages after tripping over someone's coffee table.
My auto insurance was $700 every 6 months after I got a $90 a year renters policy my auto went down to $500 every 6 months. But to get that cheap of renter insurance it has a 10k deductible. Even though I only have 5K of stuff in my apt. I'll never use that insurance but it still is cheaper to have it.
Take it from a landlord. The number one mistake a renter makes...... Rent.
Frank laffaldano, aint that the truth! And if people listen to Dave and buy a house for cash, they will never buy.
Not true. What if you are transferred to another city/state to work, would you buy a house there? Also, buying a property requires a lot of capital or to get into dept. Better be out of debt and renting for a few years than risking loosing it all because you're fired or some other financial issue occur.
Dave has already discussed this: Rent until you are stable financially and with enough capital to buy outright or worst case scenario get a 15y fixed rate mortgage.
Renter's insurance is dirt cheap! You have to be out of your mind to not have it.
If you own < $4k worth of property and don't want the hassle of maintaining records of what you own and what it's worth or dealing with insurance should anything happen, I could see getting a liability-only policy.
Renters insurance isn’t for everybody, some people don’t own a lot that they care about, then you factor in the risk of fire or theft versus your ability to replace those things
Even so, you want it for the liability coverage. If you're in a coffee shop and someone trips on your bag and cracks their skull and sues you, the insurance company will pay for a lawyer to defend the suit, or they'll try to negotiate a settlement that they and you can afford.
@@pjabrony8280 If I tripped on someone's bag in a coffee shop, I wouldn't sue the person unless he was Warren Buffet. I would sue the coffee shop. Go where the money is.
The chances of your apartment burning down are 1/3000. Stop selling your advertisers(renters insurance) product!
Dang Dave owns State Farm now, he is like Warren Buffet! Buying up companies!
Thanks Dave! I’m moving into a studio soon in some nice apartments and for me to be accepted they require renter’s insurance. Honestly, I don’t have much faith in landlords and when I heard that this property requires it, I thought they were trying to swindle me out of a few bucks a month. After watching this, I feel much better getting renter’s insurance.
i strongly encourage my tenants to have renters insurance....i put it in my leases that my insurance does not cover personal property or relocation expenses if the worst should happen.
No, but you can be sued if you blew up your tenant's apartment. And it certainly wouldn't be coming out of the tenant's insurance.
@@elitestar why exactly would i blow up the tenants apartment aka MY OWN PROPERTY??
I never knew about this stuff but a lovely lady I like to watch keeps talking about it. For sure talking to my husband about getting it.
My brother did somethings wrong. He sold the house he inherited from our parents and now he has to pay rent. He kept moving from rental to rental. Now, no one likes him to rent.
I pay $12/month for renters insurance. I don’t get why anyone would skip it, it’s not expensive.
My empathy disappeared once the renters automatically expected a check from Dave. Entitlement is a huge issue these days.
Difference between entitlement and devastated ignorance.
It’s so cheap you be stupid not too have it protect your stuff
Dave I work at allstate as an insurance agent and i can confirm that brokers are not the best option. If you value quality do not go to a broker you will not always get the best company for claims and coverage.
I had a 5k renters insurance from Allstate. It was 100 a year but took off like 45 off my car insurance every 6 months. They give discounts for multiple accounts so it was almost free. My advice would be to read what the policy covers and what the deductible is. Sometimes you can pay literally a couple dollars more and get a way better policy. My home owners was like 350 a year and to lower the deductible from 1000 to 500 was $12 a year.
If you have an emergency fund how likely are you to be left with nothing to sleep on etc. Plus who is so dependant on their "stuff" that they cant go without it? I don't know. There's nothing that I own that isn't easily replaceable besides the things that are irreplaceable anyway. I guess the insurance check would be helpful as a new deposit.
Its a good thing that I can replace everything I own for $1,000.
Same here but I commute by bicycle and need the liability coverage. I have just the minimum amount of contents insurance.
Thanks for you
Renter's insurance is mandatory in Texas as well. I think it's a good thing to have for those just in case moments.
@caligula Ok, well it's mandatory in my apartments. Most apartments are making renters insurance mandatory. The very few apartments you may know of probably will soon follow suit. 💁🏾♀️
Thank you Dave as always!
Thank you Dave
Here's how I look at it if you're single and don't have a lot in your rental place don't get it but if you're going to be living there for many many years and have lots and lots of furniture then yes
Your Missing the other parts of the policy. Like paying for hotel if your place burns down. Some will pay deposit on another apartment if you have to relocate. It's not just stuff.
It's shocking how uninformed most renters are; especially older ones. The typical homeowner isn't much better. "What do you mean I have to replace the furnace filter. Where is it?"
The stuff I have isn't worth enough to be insured lol maybe 3000$ all together... chances are, putting those 20 to 30 bucks in my emergency fund and being my own insurer is by far a better deal
You're joking, right? Renters Insurance also covers your living expenses if you can't live at your place. At least mine does. They'll cover hotel and food, including restaurants for up to three months if I can't live at my place because of fire, flooding (unless it's overland flooding), sewer back-up, etc. For $275/year I have the peace of mind knowing that if the potheads living above me leave the water running and flood the place, I'm covered and don't have to worry about where I'm going to sleep and eat. We had a major flood four years ago and many renters were out on the street because they had no insurance. My landlords have since all required renter's insurance as a condition of the lease.
@@JewelBlueIbanez I've had several occurrences where I had to live in a hotel for a day or two while the sewage was being worked on. Guess who paid for it? Not me or my insurance, but the one responsible -> the landlord.
But doesnt the broker still charge a commission?
Renters insurance is so cheap. Dumb not to get it. Most apartment complexes in my area require it.
I had condo insurance and it came in handy when my basement got flooded. The insurance covered my computers, rugs, and other items that got effected by the water. It was relatively cheap for the insurance and I would do it again.
It is required at my apartment complex.
I rent a room outside of a house is It still necessary?
Reformed Southern Baptist yes as it insures the content of your room. I worked for an insurance company.
@@Dynamictrioiii thankyou for responding 😄 God bless you
it has been mandatory every place I have rented the past 10 years.
Which State and County are you in?
I have insurance for all of my blow-up dolls.
Smart.
I always have had renters insurance.
depends on your property,might not be worth it,as in my case-vital!-no way.
Lmao.
I buy $10,000 of furniture. If its stolen or burn down they will only give me a check for $2500 out of $10,000. What a joke from the ins
My insurance company offers full replacement cost. In my last claim every item I lost was replaced with brand new stuff, every, single, item down to HDMI cords and speaker wire. Get a better insurance company.
How do I find a broker
Any big insurance company sells it.
You need proof of payment and ownership of everything you lost. Yea right.
I videotaped everything I own on my phone I have photos
Salesman dave
I think this really depends on how much stuff you have and what it's worth... I think if EVERYTHING I own was gone, excluding my car, replacement would be in the $2-$2.5k range
you gotta think you will need first ,last and security for a new place...landlord does not cover that..that can be a few thousand dollars right there.
Does it cover scams rental scams?
Dave couldn't have just given them some money. What about giving generously?
That was pre bankruptcy when he was young,wasn't rich then,fresh out of college
I called at least three companies who declined to offer renters insurance. How do you get renters insurance when the major insurance companies refuse to submit a policy to underwriting?
The worst thing a renter can do....
Is being a renter🤣
What if I'm single and only have about $6000 in assets in my one room?
If my 6-months-of-expenses emergency fund is enough to replace all of that, is that enough to be self-ensured?
What about the liability?
$6k in assets in your room? ONLY? DID YOU SAY ONLY? What do you have in there, a state-of-the-art supercomputer?
Mark Brand
Kinda, about $2000 computer, $3000 in camera gear, and about $1000 drone.
haha I wondered if you were a videographer or something!
What about your clothes, furniture, kitchen stuff. If the place burns down, all that stuff is gone too.
I hope you enjoy paying the landlords mortgage instead of your own
As a renter you can leave whenever you like (as per agreement with landlord) and you don't have to pay property taxes and property maintenance. On the other hand as a landlord with mortgage, you cannot stop paying your mortgage and you need to pay a lot of additional taxes on top of the mortgage.
Renting gives you flexibility. You aren't stuck paying mortgage for 30 years + taxes + maintenance.
Renters insurance is so inexpensive. Even here in California my renter's policy was $120 a year.
Pretty much every lease I've signed it was mandatory. Most lessors put it in the lease as another requirement.
Y u had to say the lower in come of town
Because they couldn't afford to lose everything they had and not be covered. But they were stupid, didn't have insurance, and lost everything, and then felt so entitled that they thought Ramsey owed them a "check"
Entitled, or just ignorant about the limits of the landlord’s insurance. Sad way to learn about renters insurance.
Well what is $500 to a millionaire. You could have given them something. Isn't that what the bible teaches?
If you listened, he described doing a fundraiser for them (and I suspect, probably donated some himself).
How bout the renters learn to be responsible instead of feeling entitled ro freebies
Brokers don't care about you, State farm has the best customer service! Brokers will hook you up with people in India which you can't even understand!!!
I am an independent insurance broker in Missouri, and most of the companies we "hook people up with" are also in Missouri...none of them are out of the country. What broker was sending you to Indian insurance companies?
Alex Collins all of them! State farm Is the best
State Farm is the best at marketing, that's about where it ends. They spend near a billion dollars a year on advertising. Some of the best companies don't need to spend a fraction of that on marketing, because their reputation speaks for themselves. Just because a company is a household name because of brand exposure, does not mean that they produce a superior product to other companies that don't pour a billion dollars into advertising.
How long have you worked for State farm?
I have never worked for State Farm, I am an independent agent as I said in the first comment...but I am aware of how much State Farm spends on advertising, and I am also aware of the fact that brand recognition does not equate to superior product.
But why wouldn’t you just put that $20 a month into your fully funded emergency fund?
If your emergency fund is fully funded, you don't need to put any more money in it.
Totally understand, but if you are paying insurance for $15,000 worth of renters insurance wouldn't it make more sense to just set aside the amount your making in repayments to insurance to personal account allocated for your own "renters emergency fund"? saves claiming if something occurs?
No, that doesn't make sense. Let's pretend the value of your possessions totals $15,000. If you paid $20 a month toward your own "renters emergency fund," it would take you 62-1/2 years to save up $15,000. On the other hand, if you open a policy at $20 a month and are the victim of theft or fire the next day, you're immediately covered for the value of the policy.
I agree. The real question is: if I lost everything could I afford to replace it? If the answer is yes, buying insurance is stupid. For example, I own a car worth $1k. I DO NOT insure that car, that would be so dumb.
Gerry Why, I agree
Most apartments require you to have renters insurance I know my does.
Second
OR you could just put an extra 15 bucks towards your emergency fund...
0nthemend my renters insurance would provide a lawyer if I were to get sued because someone trips over my coffee table. I can’t get that with an extra 15$ per month.
So, you put an extra 15 bucks a month towards your emergency fund. 3 years down the road,the house you are renting burns down. Do you have more than $540 worth of stuff in your house? Well, then renters insurance would be a MUCH better purchase. Come on, people. It's simple math. These comments are borderline imbecilic.
Wardo Kings of Twos nah. Its just that stupidity angers me. Learn simple math before replying to my comments, please
Devil'sAdvocate I guess it’s because I’m just getting started and don’t have much to warrant insuring. I also don’t associate with the kind of people who would sue me for for anything.
Dave is right... It isn't always about having someone come over, trip, and sue. I don't know what your individual lease looks like, or if you are even renting, but if you signed documents, you're most likely liable for any damage to the apartment. If you somehow start your apartment on fire, you're probably liable. If you didn't start it on fire, but the apartment claimed that you did, your emergency fund will not be enough to finance a legal battle. This is the main reason why I carry renters insurance, I can replace my stuff on my own, but I don't have $10,000 - $100,000 laying around to fix a fire damaged apartment + legal fees. (Yes it's unlikely, which is why it's only $10 per month.)
First lol
Never lived in an apartment where renters insurance was not mandatory. Also with renters insurance, keep in mind that they will NEVER want to pay. If you suffer a loss, you MUST prove via serial numbers, model numbers and receipts and even when you do you are still going to hear how bad your renters insurance company is going to try to get out of paying.
Our place requires it and I am so glad.
I made that mistake on a rental, once. Didn't have renters insurance. Had a fire. Lost all of my stuff.
Do not cheap out. Get renters insurance.
Were you at fault for the fire? Did the landlord's insurance try to collect money from you?
Renters insurance is so cheap u have to get it
Taylor Fenoglio depends where you live, I have to get insurance to cover my condo (slightly more comprehensive than renters insurance) and it's $45/month. My brother when he lived in Vancouver had to pay nearly $300 just for $10,000 for renters
Glade I watched this awhile back. I got Coverage over $100k need that much cause I do photography and produce and art direct, very valuable info.
You probably want to read your policy carefully. Virtually all have limits on categories of covered items. Like electronics $2500 computers $1000 jewelry $2500 and so on. Regardless of the value of your items. So be cautious of assuming that your property is protected.
The answer is yes, if anything for the liability insurance. Speaking from experience, this really paid off for me. I had a bogus law suit filed against me and it was so nice just to hand it off to my insurance company and they handled the entire issue. Even if you don't think you have much in the way of physical assets, the lability coverage will give you peace of mind. And its cheap!
Or the broker gets you the insurance he or she gets the highest comission from
You are Right! You just gotta call around yourself. I really like Dave but some of his advice is wrong! Geico or Progressive is the best deal I've seen so far
And if you can prove that you can start an E&O claim against them and they have to prove why the recommendation they chose was the best for you. Durrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr!
As a former insurance agent, I'll say thank you, Dave! Too many people think they don't need to have insurance if they are renting and that is very much not the case!
@Boom Ona Is it legal, I'm not sure, that could very from state to state, but I can tell you that if you have a good insurance company they wouldn't let you add the complex/owner to the policy and you really shouldn't anyway. The policy is in place to protect you, not the complex/owner, and would afford them no protection anyway. They can legally require you to provide them with a copy of the policy to prove that you have it, but you should never put them on your policy and let me explain why with an example...
Let's say there is a fire in the build and you lose $10,000 worth of personal property and someone (another tenet, not yourself) is injured and files a lawsuit against the complex.
First, the complex could then use your insurance policy as their liability coverage for the person that is suing them, avoiding having a claim on their own policy, and forcing a claim onto yours, which will hurt you when trying to get insurance in the future.
Second, they would have to sign the check for your personal property (say the $9,500 check if you have a $500 deductible), which they may refuse to do if you try to fight them on filing the liability claim on your policy. And since they are listed on your policy, you would not be able to cash said check without the complex signing off on it. And, since they are listed on the policy, the insurance company legally cannot write you a check without listing them.
This is a terrible position to be in, and causes endless headaches for the insured (the customer, i.e. yourself) and for the insurance company (because you'll be upset and fighting with the adjuster). Because of this, most insurance companies will not allow for an apartment complex/owner to be listed on a renters insurance policy. If you called your insurance company and tried, and they didn't question it, I would look for a different insurance company, it is a sign they are not worried about how you will be treated if you ever have to file a claim.
That all said, if they try to force you to add them (say they threaten to evict you), I'd consult an attorney. If you live anywhere near a law school, most will have resources where you can seek free legal advice from a law student who is about to graduate, they would be able to tell you if it is even legal in your state or not.
Good luck and feel free to ask if you have any other insurance questions.
Dont get it till you get a home. Waste of money
Absolutely agree on the renters insurance, but I disagree with Dave’s comments on brokers vs. captive agents. Independent brokers are NOT always cheaper. I got a recent quote from a broker and a Farmers (captive) agent. Farmers was about 30% cheaper for the same coverage. Bottom line - check both to make sure you are getting the best deal.
I'm currently trying to get rid of everything I don't need or use. I have an 800 sq ft house that is far from jam packed but it all still feels like too much stuff. I donate things to charity shops or sell or give them away. I don't rent and have buildings and contents insurance, I'd never deliberately destroy good items but I'd find it quite freeing if I no longer had custody of all this stuff. The things that really matter are unique and can't be replaced anyway.
My complex requires everyone to have renters insurance. It costs me $220 per year, and I have higher than the standard coverage limits, as well as coverage for things like sewage backups, etc. It also covers actual replacement cost and not depreciated value like most policies do. Great value for just over $18/month.
Who is it through sounds great
Had a insurance agent tell me he has never had a widow refuse a life insurance check. Go figure.
My lease requires me to have renters insurance with 300k liability. Only got liability coverage with no personal property coverage since we only have used furniture that costs less than 400 dollars in total.
What if you kitchen and bathroom are completely trashed? Will you be able to fix them with 400$?
I don't need anything I have only one house my need
Renters insurance is a must if you commute by bicycle --- you want the liability coverage.
could you expound?
I commute by bicycle.
I recommend you get the highest liability insurance your renters will allow for. It covers if you injure someone while riding and they sue you.
I recomend not commuting by bicycle
We live in an apartment complex with several buildings owned by the same company nearby. A pipe burst on the top floor of another building, flooding the two floors below. Two dozen families were put up in a hotel by the company for the people while they fixed the apartments, but ten of them didn't have renter's insurance. Said they couldn't afford it. Sadly, they're paying way more now...
And now they can sue the one responsible if they won't be put up in a hotel.
@@elitestar Not in my country.
Most corporate landlords REQUIRE renters insurance and written proof of the policy. I pay $24 per month.
DAVE here in TEXAS many apartments are requiring $300K worth of insurance . I don't understand I asked they claim they need to cover their property. I asked don't YOU have insurance? But just curious about this.
This needs to happen in America 🇺🇸 homes and apartments are different people who buy home should live in said homes and apartments should be regulated rent control apartments. American neighborhoods are degrading because of slumlord rental property people are unable to maintain property values because of it. I own my house and I don’t appreciate having people who are transient neighbors you can’t trust them because they don’t respect the property or the neighborhood they are here one day and gone the next those people are renters they need a renters neighborhood where their is someone to pickup their trash cut their grass and quail their violence with each other.
Dave Ramsey honest question...What if you don’t own anything besides a footon, some cloths and a easily replaceable cheap Tv? And saving to buy a home through bank with security measures?
Dave Ramsey really cares about people and their welfare. That's how Jesus is.
Bec I didn't have Renters insurance, NOW I have to pay for property damage, that young son scratched the neighbor's new car with a dart and although she received another New Car and I had to sell my old/used car, don't have one & been out of work for 3 years, the court is still behind me to pay for that.
@The Dave Ramsey Show I expressed interest a week ago in one of your endorsed providers of home insurance. The company has emailed and texted me several times and I have replied several times however I never get a response. I have even called their number listed several times and left 2 voicemails, but still no response. Any help would be nice.
MaSSaCr3Vu find someone else
Imagine how hard it'll be to make a claim
I have no idea who you are or what this show is, but thanks for explaining this in an excellent, short, simple easy to understand way. I really appreciate it
I was working with an insurance broker who couldn't fine me one single insurance deal, so I picked up the phone and called a parent insurance company directly and had a quote in 30 minutes lol
Alot of broker's will give youna discount on youre car policy if u have renters insurance come up to be free
We have to have renters insurance also mandatory I live in arizona
Great information I am a Nationwide agent I shop over 10 different carriers to get the best price.
Not everything needs to be about price. A broker may get you the cheapest insurance but it may not be the best. State Farm and Geico are VERY different. One of them will pay you on a claim immediately, the other may tap dance and "investigate" for 2 months.
C. Howard true
$300 a year? How about $94 a year