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A property management company in my town prohibits bicycles inside one of its apartment buildings. They require bikes to be stored in a locked, video monitored bicycle storage room.

I have a bicycle covered by renter’s insurance with a $ 500 deductible and $ 8000 insurance replacement cost. If my bike were damaged or stolen from the apartment’s bicycle room would they be liable for the expense of repair or replacement?

8 Thoughts on Is my landlord liable for theft or damage of personal property?
  1. Reply
    July 17, 2011 at 7:30 am

    You could ask them?

  2. Reply
    July 17, 2011 at 7:40 am

    Not usually. That’s why you get renters insurance…

    You might still be able to sue and recover settlement, depending on the specifics.

  3. Reply
    July 17, 2011 at 8:06 am

    I don’t think renters insurance would cover it because it’s not in your apartment and the apartment complex is forcing you to store them in their storage room so yes I would think they would be liable.

  4. Reply
    July 17, 2011 at 8:53 am

    I don’t think so but i won’t advise you to put your bicycle there.

  5. Reply
    Ryan M
    July 17, 2011 at 9:52 am

    Absolutely not. Unless you can prove gross negligence (fat chance 99% of the time) , they are in no way responsible. That is EXACTLY what renter’s insurance is for. If you want your bike covered, lower your deductible.

  6. Reply
    July 17, 2011 at 10:06 am

    No of course they aren’t.

  7. Reply
    July 17, 2011 at 10:22 am

    They will not be liable for any such loss if it occurs. You’re fortunate that they provide a monitored room. Most complexes provide an outside bike rack, if anything at all. There are no rules requiring apartments to have facilities for your bicycle.

  8. Reply
    Classy Granny
    July 17, 2011 at 10:41 am

    No. The property owner doesn’t carry insurance to cover your possessions. You have renters insurance for that.

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