I agree with AK. At one time I lived in a 3-story walk up over a store. A fire started in the store and my door was broken down by fireman. The landlord was totally responsible for fixing the door.

The damage was not your fault and you have sufficient proof of that.

On the other hand, if they had broken in and stolen your TV, stereo etc. You would be responsible for replacing them. That's where your renter's insurance comes in. You claim you can't afford it. But can you afford to replace your belongings if stolen or damaged? Renter's insurance is cheap enough that you can't afford to NOT have it.

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Originally Posted by ScottGem

I agree with AK. At one time I lived in a 3-story walk up over a store. A fire started in the store and my door was broken down by fireman. The landlord was totally responsible for fixing the door.

The damage was not your fault and you have sufficient proof of that.

On the other hand, if they had broken in and stolen your TV, stereo etc. You would be responsible for replacing them. That's where your renter's insurance comes in. You claim you can't afford it. But can you afford to replace your belongings if stolen or damaged? Renter's insurance is cheap enough that you can't afford to NOT have it.

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We are actually looking at renter's insurance again. My roommate said Allstate called and said they could give us renters along with our car insurance for less than 88 a month. So, we most likely will be getting it.

Thank you for the answers everyone.

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Originally Posted by Lyra123

We are actually looking at renter's insurance again. My roommate said Allstate called and said they could give us renters along with our car insurance for less than 88 a month. So, we most likely will be getting it.

Thank you for the answers everyone.

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I work part time for AI. And depending on how much stuff you have say under $20K replacement cost your renter's policy can run sometimes only $200 a year. It goes by your age also. Older folks get lower renter's rates (or so it sems) than younger folks. Have then work up a quote for you so in case you have a problem down the road like an unforseen incident. There is usually a $250 deductible or a $500. The price is not that much different for this - only a few dollars more for the lower one. We have had a rash of apartment building fires here in Ohio that were set by an arsonist and none of the families displaced by these 3 fires had any insurance and are now homeless and belongingless.

Twinkiedooter, that's terrible!

The three of us range from 19 to 24 and we have about 20K worth of belongings so I hope it isn't too bad.