DH burst my bubble

**kittykatstrong** · 12-10-2008, 04:06 PM

So yesterday I called my insurance agent and asked about renters insurance. I feel like it is something we need because we are starting to own things that are of value. When I told my DH about it I was really excited that we would be getting a discount on car insurance so it washes, it really will not cost us anything.

All he said to me was we dont need it. What is going to happen? He said the same thing about my 401k, I am trying to do things right and be a grownup.

I dont really know where I was going with this, but I just had a huge pin burst my bubble.

**LastDragonfly** · 12-10-2008, 04:12 PM

I am a former landlord. You need it. I am a current renter. I need it. If the neighbors tree falls on my car my renters insurance will cover it (my neighbor has no insurance). If the pipes freeze and break while I'm away and ruins the carpet. My renters insurance will take care of it. My lanlord would not be held responsible even though its his house.

I know our renters insurance is less than $200 per year.

If our house is vandalized my renters insurance covers most of my loss.

**StaceyS** · 12-10-2008, 04:12 PM

If it won't end up costing you, why not have it? Even if it's a tiny amount, I'd do it. What if your washer breaks and floods the place? What if your neighbor is making drugs and burns down your place? I would do it.

**homesteadmamma** · 12-10-2008, 04:12 PM

I firmly believe everyone who is renting should have renter's insurance, just as anyone owning a home should. I've seen and read about too many tragedies where renters and owners don't. You never know when something might happen.

Just last week, a widow lost her home to fire about 25 mins. from us. Had she not had insurance she would have been left with nothing. She is so thankful today that she did.

**fixer** · 12-10-2008, 04:17 PM

Originally Posted by kittykatstrong

All he said to me was we dont need it. What is going to happen? He said the same thing about my 401k, I am trying to do things right and be a grownup.

.

He needs to start behaving as a grownup. I can not imagine his reason for resisting have a 401K and renters insurance. You are doing the right thing by being responsible. If he does not change, you have a rough road ahead.

**guest002** · 12-10-2008, 04:26 PM

Remember my post..."we've been robbed!"

They could have taken more stuff but still stole over $2,000 worth. If not for renter's insurance we'd be so SOL.

For the money it's so totally worth it. Do it. Then if anything did happen you'll be covered.

**kittykatstrong** · 12-10-2008, 04:32 PM

Originally Posted by PaulaPAFW

Remember my post..."we've been robbed!"

I know that post is the thing that got me thinking, you never know what will happen. Just sometimes I hate to be the one that has to be the grownup all the time.

I think maybe it is time to have a girls night out.

**Darlene** · 12-10-2008, 04:32 PM

Both my kids 22&23 have renters insurance, doesn't cost much and is the grown up thing to do. Sorry he rained on your parade, just put up the umbrella and splash in the mud, smiling, knowing that you are doing a very good thing.

**dancar3** · 12-10-2008, 04:44 PM

Yes, definitely get the renters insurance, so scarey not to have it. I used to work for State Farm and it was so inexpensive to get this PLUS like you said, you get a discount for multi-line.......good for you!

**Grayce** · 12-10-2008, 04:50 PM

When we rented we had insurance. We were really poor then, we lived in subsidized housing. We still managed to scrape up the money for insurance. It is pretty cheap. Luckily we never had to use it.

**JENNIFER780** · 12-10-2008, 04:51 PM

When I recently moved I got it. I didn't have it in my last apartment, but I can't afford to not have it. I would ask your husband how you would be able to replace everything if you were robbed or there was a fire or something. Do you have enough money saved to replace everything and is that how you would want to use that money?

**jamie79** · 12-10-2008, 04:54 PM

I think you need it. The bigger question is do you need someone in your life with those kinds of attitudes?

**peanut** · 12-10-2008, 06:46 PM

My husband used to be like this. I finally just told him I was opening an RRSP. He didn't have any say in it because I was working and it was my income going into it. The only input he had was how much we should put into it on an ongoing basis. The minimum I allowed was $50/mth. Wish I'd held out for more now! Now we put in a lot more though...he's come to his senses. He wants to retire early and knows it's only possible if he contributes to the RRSPs. Of course, I had to do all the figuring and show it to him to prove or disprove (I never do things the way he would...of course...and don't know how to do anything math related.

)

We never had renter's insurance. I shudder to think about what might have happened. We did have an incident where a water pipe burst going into the apartment building and everyone ended up with dirty water coming out of taps,etc. DH was at a conference. I had a very sick 1 1/2 yr. old with me and no car. My mom and aunt drove 2 hours to rescue us and took me back to Mom's place till things got sorted out. I ended up in ER the next morning with the baby.

I remember that because, while it was big news in the small community we lived in, not one person from the church phoned to see if I was okay. I was very disillusioned with that particular group of individuals after that. But it didn't cost us anything (according to DH) and therefore didn't warrant buying renter's insurance.

DH is death on insurance companies and refuses to pay them one whit more than he has to. No accounting for some people.

Jean

**Jeanna** · 12-10-2008, 07:47 PM

I am not one to say go behind your husbands back on most things, but this is something I would say to just go ahead and then tell him you have it.

**dcompton** · 12-10-2008, 09:45 PM

It's not just about what could happen to the apartment or your possessions. Renter's insurance should also have a liability component to protect you if a klutz trips over his own feet and breaks his ankle going down your porch steps, or the tree falls on his car.

It is worth every penny, and fortunately, doesn't cost many of them.