Renters Insurance? - The DIS Discussion Forums

coorsie · 09-07-2009, 03:41 PM

"All Cast Members living in our complexes are strongly encouraged to secure renter's insurance. The College Housing Department can point you in the right direction, or you can check with your parents' homeowner's insurance if applicable.
Apartment management assumes no liability in the event of fire, water/flood damage, theft or damage to any belongings of Cast Members who live in our complexes."

Previous CPs, did you have to deal with this renter's insurance policy? If you did wind up getting it, how much did it typically cost? Were you allowed to live there without it?

Just curious and figured there's someone out there who has an answer... Please share your experiences with this?

kmg148 · 09-07-2009, 04:28 PM

It's "recommended", however I don't know anyone who has ever gotten it.

I didn't.

They probably just don't want to be sued if anything happens. When I told my mom they mentioned this, she said that I would be covered anyway through our homeowners.

I wouldn't worry about it. It's not a requirement, and I'm sure it isn't cheap.

Berlioz70 · 09-07-2009, 06:32 PM

Renters insurance for me in Iowa was $128 per year. However, when I did the CP I didn't take out a policy because the only thing I had of any value was my laptop.

Melinda22 · 09-07-2009, 07:26 PM

Just weigh out the risks. Is it worth it to you?

Here at home, it is worth it because I have an apartment full of furniture, appliances, text books, etc. At Disney it wouldn't be. None of the furniture or appliances are mine. I won't have anything of too much value to lose.

Renters Insurance is pretty cheap, only like 11 dollars a month.

msmayor · 09-07-2009, 07:57 PM

Definitely check with your parents' homeowners as it truly may not be necessary.

My daughter is a freshman away from home this year and I'd planned on getting a renter's policy for her, as its recommended by the college. When I contacted my insurance company they told me she was automatically covered for up to 10% of the value we have on our home contents, MORE than enough to cover anything and everything she is taking.

The only extra we looked in to and added on was a computer rider, which covers all computers here at home and hers at school...for ANYTHING, including accidental damage not covered by her AppleCare warranty. $8 per YEAR to cover up to $3,500.

coorsie · 09-07-2009, 10:46 PM

Thank you all for your responses!

ZoeDisney · 09-09-2009, 04:07 AM

Quote:

Originally Posted by msmayor

The only extra we looked in to and added on was a computer rider, which covers all computers here at home and hers at school...for ANYTHING, including accidental damage not covered by her AppleCare warranty. $8 per YEAR to cover up to $3,500.

how do I sign up for that? what is a computer rider?

09-07-2009, 03:41 PM	#1
coorsie Earning My Ears Join Date: Aug 2009 Location: Baltimore, MD Posts: 39	Renters Insurance? "All Cast Members living in our complexes are strongly encouraged to secure renter's insurance. The College Housing Department can point you in the right direction, or you can check with your parents' homeowner's insurance if applicable. Apartment management assumes no liability in the event of fire, water/flood damage, theft or damage to any belongings of Cast Members who live in our complexes." Previous CPs, did you have to deal with this renter's insurance policy? If you did wind up getting it, how much did it typically cost? Were you allowed to live there without it? Just curious and figured there's someone out there who has an answer... Please share your experiences with this? __________________ ~2010 Fall WDWCP Hopeful!~

09-07-2009, 06:32 PM	#3
Berlioz70 I keep Mickey Safe! Join Date: Oct 2007 Location: Windermere, FL Posts: 1,869	Renters insurance for me in Iowa was $128 per year. However, when I did the CP I didn't take out a policy because the only thing I had of any value was my laptop. __________________ My Disney Career Blog

09-07-2009, 07:57 PM	#5
msmayor DIS Veteran Join Date: Jun 2005 Posts: 2,018	Definitely check with your parents' homeowners as it truly may not be necessary. My daughter is a freshman away from home this year and I'd planned on getting a renter's policy for her, as its recommended by the college. When I contacted my insurance company they told me she was automatically covered for up to 10% of the value we have on our home contents, MORE than enough to cover anything and everything she is taking. The only extra we looked in to and added on was a computer rider, which covers all computers here at home and hers at school...for ANYTHING, including accidental damage not covered by her AppleCare warranty. $8 per YEAR to cover up to $3,500. __________________ Sep 1989: Big Red Boat and WDW.Opening Year for Disney MGM Studios Feb 1995: All Star Sports Inaugural Year...room only $39! Oct 1997: All Star Sports Oct 2000: Dixie Landings Aug 2005: Wilderness Lodge Aug 2008: Shades of Green...Family Grand Gathering

09-07-2009, 10:46 PM	#6
coorsie Earning My Ears Join Date: Aug 2009 Location: Baltimore, MD Posts: 39	Thank you all for your responses! __________________ ~2010 Fall WDWCP Hopeful!~

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09-07-2009, 04:28 PM	#2
kmg148 Mouseketeer Join Date: Mar 2009 Posts: 333	It's "recommended", however I don't know anyone who has ever gotten it. I didn't. They probably just don't want to be sued if anything happens. When I told my mom they mentioned this, she said that I would be covered anyway through our homeowners. I wouldn't worry about it. It's not a requirement, and I'm sure it isn't cheap.

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09-07-2009, 07:26 PM	#4
Melinda22 Earning My Ears Join Date: Jul 2009 Location: Washington Posts: 51	Just weigh out the risks. Is it worth it to you? Here at home, it is worth it because I have an apartment full of furniture, appliances, text books, etc. At Disney it wouldn't be. None of the furniture or appliances are mine. I won't have anything of too much value to lose. Renters Insurance is pretty cheap, only like 11 dollars a month.

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