Do I, a college student, need renter's insurance?

I maybe have ~$5K of stuff... max. Maybe $10K if I inflate the costs of replacing my stuff by a lot, but I don't have much. God forbid, but it would not be the end of the world for me if I had to buy everything from scratch.

I can afford to pay for renter's insurance, but is renter's insurance even worth my time?

For $100/year I can get (through State Farm) I can get $25K in property, $500K in liability, $5K in medical payments to others, ~$2K in business property (I do some 1099 work and technically have a business), and have a $500 deductible. I couldn't make it any cheaper but that's the most coverage I can get for the money (I played around with the settings). However, the quote page doesn't mention anything about costs to put me in a hotel in case my place is inhabitable, or really anything else other than those numbers. That would probably be something I talk to an agent about.

Other insurance companies quote more but they give me values for other coverages upfront whereas with State Farm I have to go talk to an agent.

Yes renter's insurance might provide some injury insurance, but who might I invite over that would trip (or something) and then sue me?

I am on a double digit floor in a large apartment complex; I find the chance of being robbed or being flooded low. Furthermore, I live literally right next to the fire department. Really the only natural disasters I could be concerned about are tornadoes -- I am in an area with regularly tested tornado sirens to provide some perspective.

Thanks!

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πŸ“…︎ Jan 08 2022
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[US-NJ] question about rent. My superintendent’s rent book was wrong and they are making me pay the back up rent, even though I believed I was paying on time. I wasn’t given any notices until the week I have to pay rent. Do I have to pay it? Please help I’m a 1st time renter.
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πŸ“…︎ Nov 11 2021
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British renters need to take a leaf out of Berliner's book imgur.com/kx40eSC
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πŸ‘€︎ u/sabdotzed
πŸ“…︎ Sep 30 2021
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I was just at a Santa Monica College workshop about renters right and evictions, here are some slides on Covid-Eviction rules. imgur.com/a/IPfNxIS
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πŸ‘€︎ u/peepjynx
πŸ“…︎ Feb 10 2021
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Hosts- how far out are renters usually booking?

Do you have people booking late January/ February already? Or are most bookings same month/ or only a few weeks out?

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πŸ‘€︎ u/quadfintryfin
πŸ“…︎ Dec 18 2021
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If a renter does not return on time, and theres another booking, will the host be penalized for cancelling the new booking?

I am a renter but this happened to me on my very first trip on Turo. The host made me cancel the booking because the previous renter did not return the vehicle. He didnot want to cancel it himself because he did not want to lose his β€œall star” status. Now I am dreading the same thing for my next trip. I dont want a reputation for cancelling trips. Is there no way Turo can waive off penalty for host for cancelling a trip when the previous renter is running late?

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πŸ‘€︎ u/relativefluffy
πŸ“…︎ Dec 10 2021
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i used to read 1-2 books a week and then i went to college (english literature major and minor in creative writing) and i feel like it ruined reading for me.

ive been out of school since the pandemic started and i haven’t read one book. i feel like it could be because i was forced to read but i also was reading for fun when i wasn’t in school (like on break). or just my depression coming back. it’s frustrating, i used to absolutely love reading and now the idea of reading seems so boring and time consuming. yet i spend hours on my phone looking at useless knowledge or watching tv. i don’t have friends that read either which i think contributes a small amount to the problem but i also didn’t have friends that read before either. how do i change this? i want to go back to reading weekly because i really enjoyed it. i miss writing too but i think all the writing i did in college made me not enjoy it anymore. idk, i’m just sad about it. i just can’t seem to pick up a book anymore

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πŸ‘€︎ u/notrachelmar
πŸ“…︎ Jan 14 2022
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[Reynolds] Ian Book starts tonight for the Saints vs. the Dolphins. It was destined. His first college completion was against the Miami Redhawks. His first college game in an NFL stadium was against the Miami Hurricanes. His first NFL completion will be against the Miami Dolphins.

https://twitter.com/ByTimReynolds/status/1475436267743719434

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πŸ‘€︎ u/JB92103
πŸ“…︎ Dec 27 2021
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After almost 7 years I finally achieved my goal of getting my family to 1 billion. After going to college for ample degrees writing several books and making 100s of apps, filming several videos and making money from weekly interests payments and our careers. It was done with no cheats or mods.
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πŸ‘€︎ u/defiant234
πŸ“…︎ Jan 19 2022
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I own my own property so this isn't some anecdotal rant, but if you rely on renters to pay your bills throughout the winter just to kick them out to jack up rates for summer and charge daily or weekly you're not a very good Alaskan in my book.
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πŸ‘€︎ u/straight-lampin
πŸ“…︎ Oct 17 2020
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Low quality vent post, I discovered that I have to buy a book for my Canadian college class of ''Sociology of Global Power and Communications'' that is titled ''Gendering Globaliaztion''. I'm gonna hate that class.
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πŸ‘€︎ u/Edward_Boss
πŸ“…︎ Jan 16 2022
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Heather's book party to pad her kid's college application

Didn't Shannon do the same with her daughter last season to get into Baylor? (Better write a book to get into college, sweetie.) This 1%er behavior is sooooo Lori Loughlin. No wonder it's difficult for regular high school seniors to get into elite colleges.

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πŸ“…︎ Jan 15 2022
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Rate my college book shelf
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πŸ‘€︎ u/One_Man_Riot_
πŸ“…︎ Jan 14 2022
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Look what I found in the book store at my college campus
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πŸ‘€︎ u/Hooded_maniac_360
πŸ“…︎ Jan 28 2022
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Not only do I have to buy a college book, I have to pay for an online service to have access to assignments.
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πŸ“…︎ Jan 07 2022
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Owner and renter - optionstrading
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πŸ‘€︎ u/Daytraderopotttt
πŸ“…︎ Jan 25 2022
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TIL that the record for the most overdue library book is 288 years. The book was borrowed from Sidney Sussex College, Cambridge by Colonel Robert Walpole (England) in 1667–68 and returned in 1956. guinnessworldrecords.com/…
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πŸ‘€︎ u/jrhunter89
πŸ“…︎ Jan 02 2022
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Why be forced to buy a $100 used college book when the exact same material is given through the online course?
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πŸ‘€︎ u/Cats-At-War
πŸ“…︎ Jan 17 2022
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[OK] My clothes caught on fire in dryer that is provided in my on campus apartment at college. I don’t have renters insurance and I’m not included in my parents plan. What do I do?

Edit: Thank you all for your help!

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πŸ‘€︎ u/RileighR
πŸ“…︎ Feb 11 2021
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A guidebook I wrote to help teens and twenty-somethings move into their own place and start building their autonomy. Covers personal financing, renter's insurance, finding a new place, etc. It's the book I probably could have used starting out on my own. Free to the end of 1/22/21. amazon.com/dp/B08GQPT165
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πŸ‘€︎ u/NinjaInYourFridge
πŸ“…︎ Jan 18 2021
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I buy furniture , clothes, books etc from college students mostly at end of semesters. If anyone is interested let me know. If you are in need of a few bucks

Let me know

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πŸ‘€︎ u/lackingbutawesome
πŸ“…︎ Jan 22 2022
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Trinity College Dublin begins €90m project to relocate 250,000 vulnerable books theguardian.com/world/202…
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πŸ‘€︎ u/HairySavage
πŸ“…︎ Jan 08 2022
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Where to get college books for cheaper prices or free.

Hi, My cousin just started college she is a single mom, and can't afford the prices of the college books. Dose anyone know of a website or resources she could use to get the books.

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πŸ‘€︎ u/crazyzingers
πŸ“…︎ Jan 19 2022
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Trinity College Dublin begins €90m project to relocate vulnerable books theguardian.com/world/202…
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πŸ‘€︎ u/twotwo_twentytwo
πŸ“…︎ Jan 07 2022
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I'm looking for a book that takes place in either highschool or college

I have yet to read a M/M book that takes place in a school setting so I'd like to try it out. I'd prefer there not to be sports or bullying involved but aside from that, anything is fine. :)

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πŸ‘€︎ u/Olivxae
πŸ“…︎ Jan 26 2022
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The barrel-vaulted Long Room at Trinity College, Dublin, Ireland. Built in 1732 and housing over 200,000 books.
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πŸ‘€︎ u/I_am_person6969
πŸ“…︎ Jan 16 2022
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Boston is about to overtake San Francisco as a more expensive city for renters google.com/amp/s/www.busi…
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πŸ“…︎ Jan 26 2022
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The average price of a home in the US is now $400k. Investment firms are buying up as many homes as possible and making us become a renter nation.
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πŸ‘€︎ u/hodge888
πŸ“…︎ Jan 12 2022
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[EU] Bill & Ted are on another excellent adventure through time inviting historical figures to their college book report. While attempting to recruit Cleopatra, Ted notices one of her black cats walked past them... and then another that looked just like it.
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πŸ‘€︎ u/Jexel17
πŸ“…︎ Jan 11 2022
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Finally, a college text book I can really get behind!!!!
πŸ‘︎ 64
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πŸ‘€︎ u/j_stone1985
πŸ“…︎ Jan 30 2022
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Yer a renter getting fucked over by the housing market, Harry
πŸ‘︎ 24k
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πŸ‘€︎ u/JediWithAnM4
πŸ“…︎ Dec 28 2021
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A guidebook I wrote to help teens and twenty-somethings move into their own place and start building their autonomy. Covers personal financing, renter's insurance, finding a new place, etc. It's the book I probably could have used starting out on my own. Free to the end of 1/22/21. amazon.com/dp/B08GQPT165
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πŸ‘€︎ u/NinjaInYourFridge
πŸ“…︎ Jan 20 2021
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Preparing for pure math and calculus sequence in college, does my book list sound good?

So my first concern is mainly preparing for the calculus sequence and strengthening my foundational knowledge: so AOPS algebra I and II, Durell elementary geometry because I didn't pay attention in HS geometry, but I remember the basics, possibly Durell elementary trigonometry (may be overkill for calculus, but will this help me in my math degree further along?), introduction to inequalities by Beckenbach. The table of contents for AOPS algebra II shows that inequalities and logarithms are included, which I know is very important for calculus. In this case, I am not sure if the inequalities book would be necessary or an overkill after AOPS.

To start my journey toward preparing for pure maths, I would begin with CV Durell's revision course in general mathematics and try some of the problems from Gelfand's algebra.

other books I heard that might be good in my preparation for calculus and pure math: Kiselev's geometry I & II, basic math serge lang

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πŸ‘€︎ u/qtwith_abooty
πŸ“…︎ Jan 11 2022
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We need to help raise the standard of living for renters β€” would be nice in BC and Ontario as well..! v.redd.it/l86phxwdgbe81
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πŸ‘€︎ u/xoxoMink
πŸ“…︎ Jan 29 2022
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Anne Boleyn Music Book at the Royal College of Music in London. The modestly-sized but beautifully written book contains sacred motets by some of Europe’s most famous composers, specifically those associated with the French royal court of the early sixteenth century [4325x3264]
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πŸ‘€︎ u/Fuckoff555
πŸ“…︎ Jan 21 2022
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'It's collapsing on them': Few options for south Phoenix renters as prices surge azcentral.com/story/news/…
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πŸ‘€︎ u/lost2049
πŸ“…︎ Jan 26 2022
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Since we're doing writing nooks, here's a poor renter's version: If I prop the book on top of the laptop and put the keyboard on the floor, I almost have room to take notes!
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πŸ‘€︎ u/widdle-weapons
πŸ“…︎ Sep 29 2020
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Trinity College Dublin begins €90m project to relocate vulnerable books theguardian.com/world/202…
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πŸ‘€︎ u/CCDemille
πŸ“…︎ Jan 07 2022
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Fellow Portland Renters - what are y'all paying for rent?

I have a friend at The Morgan in Sellwood who rents a 1-bedroom for $1375 yet online it says they're $1495+. Another friend down the street pays $1295 including all utilities for an older private 1-bed. Another friend in Sullivan's Gulch pays $1295 + electric for an old but huge 1-bed.

What's your rent this year?

(I already live here btw)

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πŸ‘€︎ u/sweetcreamycream
πŸ“…︎ Jan 07 2022
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A girl from my College cohort wrote a book about what happened to other girls and now it's winning awards???

(Mention of SA, no detail).

I have so many mixed feelings about this. Like of course, good for her! Young author with heaps of fans yay!! But at the same time, she wrote a book about college rape and virtue signalling when myself and a few of my other friends in the same year were dismissed from College because of almost the exact same plot. I was told I was starting drama, I was told I wasn't resilient enough, I was told that I wasn't trying hard enough to fit in to these elite circles that operated on networking and millions upon millions of dollars in donations.

She was head girl at one of the most exclusive schools in my city. Her parents are extremely wealthy. She had tutors and peer support and wasn't kicked out of college after a year of battling the worst mental health crisis of her life.

I'm bitter and I'm hurt and it's really painful seeing peers read her book and celebrate it, when her "writing what she knows" is literally a privelaged person writing about the awful awful things that happened to HER peers at the same time she was flourishing. It's very hard to celebrate what is obviously a well written book when it is taking advantage of the stories of survivors who weren't given the same grace.

I remember sitting across from her in an english lit class, and being almost paralysed by anxiety, yet she was speaking to the tutor like an old friend. Why? Because he had literally taught at her school. He was gushing over germanic influence in the development of the english language, and in a class of 20, and I felt so alienated by the assumed knowledge that just seemed almost impossible to teach myself in the space of 8 weeks. She had been given the heads up. She scored the highest in the cohort. I absent failed because of my SA case being dismissed and told by college administrators that I wouldn't be able to afford it anyway, so may as well move on.

Not at all bitter that my childhood dream of being a published author (which was quashed several times when I couldn't afford the publishers fee as a kid, then my manuscript was accidentally permanently lost) feels like it will now forever be compared to the "new voice of a generation", knowing that I've had almost a decade of my life wasted because of what happened in that first year of university.

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πŸ“…︎ Jan 20 2022
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[WANTED] looking for this college text book for hopefully free or a low price
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πŸ‘€︎ u/thatisberrynice
πŸ“…︎ Jan 29 2022
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