I was lucky my agents Mom is a quilter so he knew just by looking that I under-estimated by a couple thousand not including any of my old ladys

so here's the question:

Can I have renter's insurance if my name isn't on the lease?

I live with my boyfriend and he has renter's insurance. he pays for the insurance. he pays the rent.

i don't think it would be fair to ask him to pay more insurance money to cover my stuff - but i have a decent amount and would like to have it covered. (we had a leaky roof issue last year, and while i've moved stuff from the danger zone, it would be nice to know that i could replace my machines if they were ruined.)

so, can i get renter's insurance if my name's not on the lease?

It's right up there with telling my weight!

Lucky you! I would live in the Blue ridge too if I could. I just get to visit but someday!!!!!!!!! Where are you located? I am from SW Va.

Thanks for bringing this up...I just talked about it with my DH ( a retired insurance agent!)..He suggested that I take pics of all of it since I have no receipts. Since we have "replacement costs" that will be enough for our agent. Whew!


Jet....call your insurance agent and ask them..all situations are different.

This is all my agent tells me, take pictures our policy covers replacement. I think I need to talk to her instead of DH.

My DH says there's no way our insurance agent would believe my numbers. DH thinks my fabric stash rivals the cost of our home. ;-)

I had replacement value on my contence. Which I made higher than the house value. But when I had a fire,contained to the kitchen, The smoke damage was everywhere. I was told I had too much. I must be a business. The 18 finished baby quilts in the den were runird, but not covered. The one saving grace was that my stash in my sewing room was not damaged. The other 3 bedrooms were. Why? I closed the door to keep the cats out. So good luck trying to cover your stash. I was told I could not cover "a business" in my homeowner ins. But do keep the door shut when not in rooms upstairs or down the hallways. Makes a huge difference!

Omigosh, BUSTED! I just moved and my husband built shelves for my 14 ft long fabric closet. I filled it all up, 5 shelves worth. I'm glad he didn't ask how much I thought it was worth. Might be funny to get a number from him though! Wow!

It would be worth a phone call to ask if you have to be on a lease. I would hate to see anyone loose their stash, and not be able to replace it.