Yes, that is really the only way. The landlord is not responsible for any of the tenant's possessions, and his insurance won't cover it. If you don't have renter's insurance, you're out of luck, sorry.
Yes, that is what renter's insurance is FOR. If you had expensive things, you should have insured them against a loss like this.
Most landlords require renters to have contents insurance.
Yes, your LL is correct. Your renter's insurance will cover your belongings.
The landlord's insurance covers the building.
Your possessions would only have been covered if you had renter's insurance.
Yep
Today sevral expensive things of mine were ruined due to a small flood in my bedroom. The flood was caused by a broken pype in the heating system. My landlord told me there's nothing he can or will do. He says the only way to get compensated is if I had renters insurance. Is that really the only way ?
