Robbed - Poor Security @ Apt. Complex

[hellnawitsc]

What is the name of your state? California

So our apartment was robbed during our spring break. We got a number of things stolen with a combined value of roughly $3-4 thousand?

Anyways, we don't have homeowners insurance and we were wondering if we could do ANYTHING to be compensated for our loss?

Keep in mind that security has been a problem at this apartment complex. It's been known to have weak security and multiple break ins... Just in the last few months, two of our cars were broken into and one car was actually stolen later on. Knowing that we are easy targets for thieves, do they hold ANY responsibility at all?

The apartment complex is pretty upscale compared to the other other complexes around this area and so we actually pay a LOT to live here, considering that we are only college students. IS THERE ANYTHING WE CAN DO?!


Another question, my friend's stuff was stolen. He doesn't live with us and has homeowners insurance for HIS apartment... would he be able to at least get money for his things?

 

[moburkes]

No, there is nothing you can do. Well, you can move or you can be prepared for the next time - with renter's insurance.

 

[Country Living]

Mo, assuming they're dependents since they're in college - how about the off-premise coverage under the parents' policy, subject to deductible? I'm not sure the parents would like a theft claim under their homeowner's policy in addition to the auto claims.

Poor college students - move to a less up-scale apartment that's not the target of thieves (presumably because only rich people live there) and put the difference between the cheaper, safer apartment towards renters insurance.

 

[moburkes]

Mo, assuming they're dependents since they're in college - how about the off-premise coverage under the parents' policy, subject to deductible? I'm not sure the parents would like a theft claim under their homeowner's policy in addition to the auto claims.

Poor college students - move to a less up-scale apartment that's not the target of thieves (presumably because only rich people live there) and put the difference between the cheaper, safer apartment towards renters insurance.

Yes, if dependents. I think it extends up to 10%. There *may* be limitations such as they must live in a dorm. Now, I didn't read the whole post, but the friend's belongings are covered under his homeowner's insurance, less his deductible. Not sure if they claim is worth it depending upon how much was stolen (considering you're just a visitor for a few days - so how much stuff could they have taken?) and the deductible.

 

[hellnawitsc]

Yes, if dependents. I think it extends up to 10%. There *may* be limitations such as they must live in a dorm. Now, I didn't read the whole post, but the friend's belongings are covered under his homeowner's insurance, less his deductible. Not sure if they claim is worth it depending upon how much was stolen (considering you're just a visitor for a few days - so how much stuff could they have taken?) and the deductible.

My friend who got his stuff stolen too had about 2 thousand dollars worth of stuff stolen or more? He's extremely close to us and actually stayed with us for less then a month while he was looking for his own place, so a lot of his stuff was still stored at our place. So he would be able to get money for his belongings for sure? Or does that depend solely on his plan?

 

[moburkes]

He needs to contact his insurance company. His belongings are covered, but I'm confused because you keep mentioning homeowner's insurance (instead of renter's). If he has a home - and HO insurance - then why was he staying with you? That will be an issue for the insurance company, but the claim will still be paid.