then the tree came through the window

Warning: Long post. Now all those red and really dark red colors on doppler radar have taken on a new meaning. Wednesday afternoon I'm watching CNBC, and the weather channel on and off. There's a small red cell in western Ct headed to mid ct, while the Mass/Ct border is solid red. Don't think much of it. A hour later, it's POURING, LIGHTNING, and Ka BLAM! Sparks arc from the power line to the building 9 feet to my left, and the BIG oak tree in front of the apt building decides to try and enter my apt. Long story short, computer, printer, television, DVR, all fried, apt is still drying out. Book collection ruined, etc... Fortunately, I jumped away from the windows at the KABLOOM. or I would be toast, too. I'm so smart, NO renter's insurance. Fortunatley, no damage to the cars....which brings up the following: with hurricane season here, if a tree falls and smooshes one of my cars, would renter's insurance cover it? I'm getting conflicting reports from people I've talked to. Landlord syas "act of god" and walks away. (Damge to building is being paid for by landlord, cleaning my apt, by me.) Budget is blown, I'm working at a friend's house until I can replace the electronics--all my business is done on line-- this weekend with the expert/nephew. It wasn't one of the tornados that CT is suddenly getting almost like Oklahoma, JUST a thunderstorm.... Just when you think you're getting ahead.... Thanks for listening. I

Man that sucks, but at least you are still in one part.

I know Homeowners ins would cover it if a car was squished in your garage... IDK if renters' has the same provision. I count on my car insurance for that.

Renters' insurance covers it.

Call your agent to be sure.

my uncle went through that BS with his work van. Snow covered tree, BIG oak, fell on it and sqaushed it flat. The insurance on the van would not cover it.. saying it was on the homeowners insurance. The home owners insurance claimed it was on the car insurance...

Insurance policies cover what they say they cover. Wait, that's best case. They sure cover NO MORE than they say they cover. Read the policy before you buy. Some renters/homeowners policies exclude motor vehicles.

I'm pretty sure he clearly said in the original post that he does NOT have renter's insurance.

93celicaGT2 wrote: I'm pretty sure he clearly said in the original post that he does NOT have renter's insurance.

I think he's gonna get it after this incident, because of hurricane season.

In reply to mndsm: You betcha! The Atlantic ocean is warmer than it's been in decades, LI Sound is almost hot (relative thing), and the NE is waaaayyy overdue for a big hurricane. And there's many more large trees around the parking lot. I called Geico, who have been covering my cars for 8 years--no claims--and I got the "well. it depends on whose property the tree is on if it hits the car." UGH. Landlord called. two more days and the exterior wall and windows should be replaced. Amazing damage what a 9-inch oak branch can do. Another hour, and I'll go back to the apt to clean out more crap. I Did want to go through stuff I didn't want anymore.

Neither renters or homeowners insurance covers autos, they are always specifically excluded, with rare and specific exceptions. You need comprehensive (other than collision) coverage on the car to have it covered by ins if a tree falls on it. In this case, renters would have covered your contents, but your landlords policy should cover the window and wiring in the walls and cleaning and drying the carpets and whatnot. As for your stuff, you are SOL this time.

I work as an insurance adjuster, but not in your state, and always check with your agent for proper answers to your coverage questions, that's why they are there.

Sonic wrote: Neither renters or homeowners insurance covers autos, they are always specifically excluded, with rare and specific exceptions. You need comprehensive (other than collision) coverage on the car to have it covered by ins if a tree falls on it. In this case, renters would have covered your contents, but your landlords policy should cover the window and wiring in the walls and cleaning and drying the carpets and whatnot. As for your stuff, you are SOL this time. I work as an insurance adjuster, but not in your state, and always check with your agent for proper answers to your coverage questions, that's why they are there.

Strange... though as an adjuster, maybe you can clarify for me. Friend of mine had a set of wheels stolen out of his garage. Theory would indicate that as part of the car- the car insurance would cover it. BUT- his homeowners footed the bill for them. Granted, the wheels were not on the car, and maybe that's the difference....

Sonic wrote: Neither renters or homeowners insurance covers autos, they are always specifically excluded, with rare and specific exceptions. You need comprehensive (other than collision) coverage on the car to have it covered by ins if a tree falls on it. In this case, renters would have covered your contents, but your landlords policy should cover the window and wiring in the walls and cleaning and drying the carpets and whatnot. As for your stuff, you are SOL this time. I work as an insurance adjuster, but not in your state, and always check with your agent for proper answers to your coverage questions, that's why they are there.

The cars have comprehensive on them, but not collision. I can't see the point of getting collision on a '93 Protege and a '79 Spitfire. I'll have to talk to someone at Geico who knows what they're talking about. AND get it in writing.Landlord is fixing the building, but not the carpeting (which was here when I moved in) claiming normal wear and tear. I'm not going to argue over it: lease is up on Sept 1. After the crap of the last 6 months, the identity theft was a highlight(!) I'm tired of arguing. The SOL over my stuff is why I'm getting renter's insurance..