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Renters Insurance

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REAL ESTATE
April 2, 2000 | LETA HERMAN, SPECIAL TO THE TIMES
At the risk of sounding like a broken record, I'll say it again. Renters need renters insurance. Your landlord's insurance doesn't cover you at all. So if your apartment building is blown away by a hurricane, you're out of luck if you don't have insurance. Even if you think your personal belongings aren't worth the insurance premium, you should consider insurance. If someone slips and falls in your apartment, can you afford to pay the medical bills?
ARTICLES BY DATE
ENTERTAINMENT
September 4, 2012 | By Joe Flint
After the coffee. Before seeing if anyone has snapped up sequel rights for "Oogieloves. " The Skinny: I saw "For a Good Time Call" on Monday, a cute comedy about two reluctant friends who launch a phone sex business. Despite the potential for raunch, it was fairly tame by today's standards and is just a few edits away from being a Lifetime movie. Tuesday's headlines include a recap of the disappointing summer box office season, the sale of Dick Clark Productions and a look at the Telluride Film Festival.
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CALIFORNIA | LOCAL
May 1, 1992 | BRENTON WYETH
Basic homeowners insurance and business owners packages provide coverage for structural damage resulting from: Fire or lightning Vandalism or malicious mischief Riot or civil commotion Explosion Smoke Most homeowner and business policies cover bodily injury liabilities. Losses resulting from theft are a common feature in basic homeowner policies, but are an extra that must be purchased with most commercial policies.
REAL ESTATE
November 13, 2005 | Kevin Postema, Special to The Times
Question: I rent in Ventura. I had a birdfeeder for about three years. Then the pest control company used by the owners decided the feeder attracted bugs and mice. I was not verbally advised of this. I was just given a three-day notice to quit. I immediately took the feeder down, but that doesn't seem to be good enough for them. Can they give me a three-day notice to quit in this situation? Answer: The owners cannot give a three-day notice to quit for this.
BUSINESS
July 9, 1998 | DARYL STRICKLAND, Daryl Strickland covers real estate for The Times. He can be reached at (714) 966-5670, and at daryl.strickland@latimes.com
For those who have had trouble obtaining homeowners or renters insurance, there may be help from an unlikely source--the state government. The California Department of Insurance has created a free Web site designed to make shopping for insurance easier on the information highway. The Web site, at http://www.insurance.ca.gov, allows users to compare homeowners, condominium, renters and earthquake insurance premiums among insurers representing more than 90% of the state's market.
OPINION
December 28, 2003
Re "Leisure World in Asbestos Cleanup Dispute," Nov. 25: Your story on the Leisure World protest of the money charged residents to clean up asbestos in their units, in a building that belongs to the Mutual Corp., was an eye-opener. In Leisure World we make monthly payments to Mutual and the Golden Rain Foundation so they can maintain the community and buildings. Included in these payments is the money for insurance premiums and deductibles. We are told when we move in that we are not buying an apartment or real estate, just the right to occupy a unit owned by the corporation.
BUSINESS
January 28, 1989 | Bill Sing
When Joe Annotti bought a house for $170,000, he initially thought that he would have to get homeowners insurance to cover the entire purchase price. But his agent told him that would be too much, since there is no need to include the value of the land, which can't be damaged by fire or stolen by a burglar. "There is no sense in insuring dirt," says Annotti, now public affairs vice president for the Independent Insurance Agents and Brokers of California.
REAL ESTATE
November 13, 2005 | Kevin Postema, Special to The Times
Question: I rent in Ventura. I had a birdfeeder for about three years. Then the pest control company used by the owners decided the feeder attracted bugs and mice. I was not verbally advised of this. I was just given a three-day notice to quit. I immediately took the feeder down, but that doesn't seem to be good enough for them. Can they give me a three-day notice to quit in this situation? Answer: The owners cannot give a three-day notice to quit for this.
ENTERTAINMENT
September 4, 2012 | By Joe Flint
After the coffee. Before seeing if anyone has snapped up sequel rights for "Oogieloves. " The Skinny: I saw "For a Good Time Call" on Monday, a cute comedy about two reluctant friends who launch a phone sex business. Despite the potential for raunch, it was fairly tame by today's standards and is just a few edits away from being a Lifetime movie. Tuesday's headlines include a recap of the disappointing summer box office season, the sale of Dick Clark Productions and a look at the Telluride Film Festival.
REAL ESTATE
March 14, 2004 | H. May Spitz, Special to The Times
Fed up with paying rent? Tired of watching real estate prices rise? There are a host of pros and cons for renters to weigh before deciding whether to step over the threshold and buy a first home: * Freedom. As a tenant, one can usually lock the door and take a vacation with no worries about mowing the lawn or home maintenance. Inside and out, the property and its problems belong to someone else. As an owner, your castle is also your headache. * Flexibility. Don't like the neighborhood after all?
REAL ESTATE
March 14, 2004 | H. May Spitz, Special to The Times
Fed up with paying rent? Tired of watching real estate prices rise? There are a host of pros and cons for renters to weigh before deciding whether to step over the threshold and buy a first home: * Freedom. As a tenant, one can usually lock the door and take a vacation with no worries about mowing the lawn or home maintenance. Inside and out, the property and its problems belong to someone else. As an owner, your castle is also your headache. * Flexibility. Don't like the neighborhood after all?
OPINION
December 28, 2003
Re "Leisure World in Asbestos Cleanup Dispute," Nov. 25: Your story on the Leisure World protest of the money charged residents to clean up asbestos in their units, in a building that belongs to the Mutual Corp., was an eye-opener. In Leisure World we make monthly payments to Mutual and the Golden Rain Foundation so they can maintain the community and buildings. Included in these payments is the money for insurance premiums and deductibles. We are told when we move in that we are not buying an apartment or real estate, just the right to occupy a unit owned by the corporation.
REAL ESTATE
November 24, 2002 | Peter Svensson, Associated Press
Question: I've heard of renter's insurance, but do I really need it? Doesn't the landlord's policy cover most misfortunes? Answer: No, the landlord's insurance doesn't the cover the contents of your apartment. Yours is a common misconception, and it's probably part of the reason why only about a quarter of renters have insurance.
REAL ESTATE
April 2, 2000 | LETA HERMAN, SPECIAL TO THE TIMES
At the risk of sounding like a broken record, I'll say it again. Renters need renters insurance. Your landlord's insurance doesn't cover you at all. So if your apartment building is blown away by a hurricane, you're out of luck if you don't have insurance. Even if you think your personal belongings aren't worth the insurance premium, you should consider insurance. If someone slips and falls in your apartment, can you afford to pay the medical bills?
BUSINESS
July 9, 1998 | DARYL STRICKLAND, Daryl Strickland covers real estate for The Times. He can be reached at (714) 966-5670, and at daryl.strickland@latimes.com
For those who have had trouble obtaining homeowners or renters insurance, there may be help from an unlikely source--the state government. The California Department of Insurance has created a free Web site designed to make shopping for insurance easier on the information highway. The Web site, at http://www.insurance.ca.gov, allows users to compare homeowners, condominium, renters and earthquake insurance premiums among insurers representing more than 90% of the state's market.
BUSINESS
May 19, 1992
Insurance Commissioner John Geramendi released a statewide survey of homeowners' and renters insurance on Monday showing wide variations in premiums from one region to another and among companies found that premiums for identical coverage could differ by more than 100%. Garamendi said consumers should shop around, carefully evaluate the type of coverage they are receiving and study the financial condition of the insurance firm that they choose.
NEWS
March 12, 1988 | Clipboard researched by Rick VanderKnyff, Susan Greene and Henry Rivero / Los Angeles Times
The following figures are based on this example: A renter living in Anaheim, Huntington Beach or Santa Ana, who is age 30, married, living in a complex of four units or more with smoke detectors, insuring $25,000 worth of personal property with full replacement value (except as noted) and a $250 deductible.
BUSINESS
January 28, 1989 | Bill Sing
When Joe Annotti bought a house for $170,000, he initially thought that he would have to get homeowners insurance to cover the entire purchase price. But his agent told him that would be too much, since there is no need to include the value of the land, which can't be damaged by fire or stolen by a burglar. "There is no sense in insuring dirt," says Annotti, now public affairs vice president for the Independent Insurance Agents and Brokers of California.
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