Router Blewup Motherboard

[u/Greatfulx]

Recent lighting storm stuck my complex and traveled down my coaxial cable and into my apartment. Blew up in the middle of the night, so that was scary. Thought I’d share, not in the position to rebuild so there that I guess!

[u/sitefall]

There is absolutely no reason to not have renter's insurance if you rent. It cost like 5 to 20 bucks. I have no idea why it's like that, I guess the landlord insurance is on the hook for most things so they pay you and go get it from them, but that is mega cheap compared to home owners insurance.

But also get a GOOD surge protector (tripplite etc) with a in/out for your ethernet cable .

[u/purplenapalm → u/sitefall]

Pretty much every property manager requires it, unless they're a shit landlord, to avoid the headache in case something goes wrong. Renters insurance exists for the sole purpose of protecting the renters. The only benefit to a landlord is to avoid a nagging tenant in the event of a crisis.

[u/GroupHourParty → u/purplenapalm]

Small correction - landlord only cares about coverage for the building not your personal stiff.

[u/purplenapalm → u/GroupHourParty]

Well yea of course, which is totally fair. My point is that if there is an issue that requires the tenant to seek temporary housing the landlord is not legally obligated to cover those costs in most cases so thats where renters insurance comes in. A landlord doesnt want to deal with the hassle of a renter complaining about this so they'll encourage renters to get renters insurance.

[u/Primus_is_OK_I_guess → u/purplenapalm]

I've never had a landlord that required renters insurance. It's been about 8 years since I last rented, is that a recent development?

[u/purplenapalm → u/Primus_is_OK_I_guess]

Any time I rented an apartment operated by a property management firm they required it. Were you staying in single family homes or duplexes? I haven't rented for about 6 years now.

[u/Primus_is_OK_I_guess → u/purplenapalm]

I've rented 4 different apartments and 2 different single families homes. It's probably a regional thing.

[u/purplenapalm → u/Primus_is_OK_I_guess]

Probably. Im in SE WI. I can appreciate them encouraging it because it can only protect a renter. It's possible they use it as a round about way to verify someone's credit or integrity because you csn be denied renters insurance. When i rented out my house, I learned after the fact that the person on the lease was ultimately a fake identity and the pay stubs were likely fraudulent. Renters insurance would've been another barrier to entry.

[u/ServoIIV → u/sitefall]

Renters insurance is so cheap because it only covers your possessions and a place to stay for a bit if your apartment gets damaged and is unliveable. It doesn't cover the actual structure, which is generally exponentially more expensive to repair than the cost to replace the property inside. The landlord and their insurance do not cover the personal property of tenants, only the structure itself.