Is my landlord responsible for my stolen bike?

Written by Kathy Adams on . Posted in edited, For Renters, landlord tenant, Laws & Regulations, paid, renter's insurance, theft

When it comes to theft, it doesn’t matter if your bike is worth $100 or $1,000. If your bike gets stolen from your rental, your first reaction may be to blame the landlord. In most cases, however, the landlord isn’t liable, even if it was stolen from inside your apartment.

Your stuff, your responsibility (usually)

In most cases, you’re responsible for your personal property when it comes to your home.

This includes your bike, your computer, or anything else stolen during a break-in. The same also holds true for a bicycle kept outside, whether it’s on a patio or locked to an onsite bike rack.

Landlord responsibilities

In some cases, your landlord could be held responsible for a stolen bike if they didn’t provide sufficient security measures. It’s the landlord’s job to ensure basic safety measures to prevent criminal activity, but what that means, exactly, varies from region to region. Some cities may require that rental units have functioning deadbolts on doors and locks on ground-floor windows. Others may require ample lighting in common areas. Check your local and state laws to determine landlord responsibilities in your area.

Landlord ignores security issues

If you can prove your landlord ignored known security issues, such as broken window locks, you may have a case against them. Document all requests for security-related repairs or upgrades, as well as general repairs inside your rental unit, as they happen. These can help prove your case in the event of theft. Your landlord also must protect your belongings if a contractor works in your apartment while you’re away, for instance.

Don’t rush to sue

If the landlord failed to provide sufficient security or make security-based repairs in a timely fashion, you could sue for negligence. Before suing, however, make sure it’s worth your while. Legal costs could add up to more than your bike’s value in a hurry. Another option is to simply not renew your rental agreement.

Related: How to file a small claims lawsuit against your landlord or renter

The benefits of renters insurance

You can take an important step to protect your belongings—renters insurance. Renters insurance covers your bike and any other personal belongings stolen or damaged during a break-in. Better yet, it even covers your bike if it’s stolen off site, such as from your workplace. This insurance also covers items lost in a fire, for instance. It’s a great idea to purchase a policy, much as homeowners buy insurance to protect their personal property.

Related: The ultimate guide to renters insurance

Read the fine print first

As with other forms of insurance, renters insurance rates and the amounts of coverage vary from one policy or company to another. Some include limits on payouts per item stolen or damaged based on a percentage of total coverage. For instance, a policy from esurance pays full value of any item stolen or destroyed, as long as that single item is 10 percent or less of the total policy coverage. Some policies also don’t cover high-value items, typically worth thousands of dollars. Most insurance companies offer numerous package options, so it’s easy to pick a plan that meets your needs and budget.

Read your rental agreement

Read the original contract you signed when moving in, and find out exactly what you agreed to as far as security. For instance, if the agreement says buildings and common areas are secure, but several thefts happened recently, the landlord could be responsible. Some agreements explicitly state the landlord isn’t responsible for personal property, which means you should take steps to secure your own belongings.

Am I responsible for the damage my guests or pets cause?

Written by Kathy Adams on . Posted in edited, For Renters, guests, Laws & Regulations, Leases & Legal, paid, property damage, renter's insurance, Step 10 - Repair & Maintain

You’ve invited a few guests over for a barbecue on the patio. Your pal Mr. Grillmaster, the self-proclaimed expert on charcoal grills, takes over lighting the grill and handling burger duty. A few squirts of lighter fluid later and the flames soar, which damages the exterior wall. So who’s responsible?

It’s your responsibility…

Even though you didn’t cause the damage, you will be held liable for it by either the landlord, their insurance company, or your rental-insurance company. You, as the tenant named on the lease, are responsible for damage caused by your household members, guests, and pets. Many rental agreements detail this information, so there’s no question about it.

…even if you weren’t home

It doesn’t matter how or when the damage happened—you’re still responsible. If you allow friends to stay in your place while you’re away and one of them causes a sink to overflow, damaging the floor or even an apartment beneath yours, you’re liable.

Your landlord expects you to pay for repairs to your unit and any other damaged property.

Dealing with renter’s insurance

If you have renter’s insurance, submit the landlord’s repair bill to the company, but don’t expect them to cover all damages. Renter’s insurance covers your own personal property, such as computers and clothing, but might not cover damage to your rental unit.

Renter’s insurance that includes liability coverage pays for damages to other people’s personal property, such as electronics in the unit beneath yours. As with other forms of insurance, the amount and type of coverage varies by policy. Read the fine print or call your agent to determine whether your policy covers damage to the building.

Related: A landlord’s guide to renters insurance

Shouldn’t my guest pay?

If your guest breaks a window, you can’t expect the landlord to send the bill to that guest. You’re legally responsible for the actions of the guest. You could ask the guest to pay the bill, but as far as the landlord is concerned, you’re the one ultimately responsible.

Burglary damage

If a burglar breaks in, you might not have to pay for damages to the unit. To help prove your case, file a police report right away and provide all pertinent information to the landlord. Read the lease terms to ensure you aren’t liable for such damages. Some contracts might shift such responsibilities to the tenants. Check local and state laws regarding this issue if your landlord refuses to pay for repairs.

Pet problems

Even if your landlord welcomes dogs, you could get stuck with a bill if the dog breaks a screen door, for example, when scared by lightning. Your renter’s insurance might cover pet-related damage, but keep in mind the cost of your deductible versus the cost of the repair bill. If you make an insurance claim, your premiums may also rise. It may be better in the long run to just pay for the repairs out of pocket.

Related: Landlord liability when a tenant’s dog bites someone

Ultimately, you’re responsible for everything that takes place in your home, just as if you owned the property. Keep that in mind before planning a wild party or adopting a large dog that might make a mess of the place in a hurry.