Kraaaappppp!, Son away at college had a fire |
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Kraaaappppp!, Son away at college had a fire |
Engman |
Mar 26 2005, 06:51 AM
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#1
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Zoisite Group: Benefactors Posts: 1,349 Joined: 25-March 03 From: New Albany, IN Member No.: 475 |
My son - soon to be graduating from IU in Bloomington, IN - had a fire last nite - room is totaled!
He was renting a house with 5 others off campus - no renters insurance (IMG:http://www.914world.com/bbs2/html/emoticons/headbang.gif) Question is - does any of my homeowners insurance cover his property? It looks like it might - but I am no expert on reading/interpeting these policys. Yes - his primary residence remains here at home........... Dammm - he is really down.......... M |
riverman |
Mar 26 2005, 04:48 PM
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#2
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Learn As I Go Group: Members Posts: 449 Joined: 18-January 05 From: Kitchener, ON Member No.: 3,466 |
I never like to hear stories like that. The main thing is that your son is okay.
I'm a landlord and have several houses that I rent to students. In the lease I require the students to carry renters insurance to cover their own property and liability. Typically, this is done as a rider to their parent's homeowner policy, but some homeowner policies automically contain this coverage. Check with your agent if you are unsure about your coverage. Plus, laws can vary in different areas. Check to see if the landlord is legally obligated to cover an event like this. In defence of the landlord, if the fire wasn't caused by his own negligence it's probably the responsibilty of the person who caused the fire. If your son didn't cause the fire, the person who did should be on the hook for damages. |
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