5 Thoughts on Will a company provide renters insurance if my landlord has not provided me with smoke detectors?
  1. Reply
    September 2, 2011 at 7:23 am

    Probably not. I would call your local Fire Cheif and see if you can get some if you cannot afford them. By law your landlord has to have them (at least in most states) installed in properties.

  2. Reply
    September 2, 2011 at 8:08 am

    in australia i am fairly certain that it is law that your landlord has to have them installed. if not then put them in yourself. they don’t cost that much when you think about what can happen if you don’t have them.

  3. Reply
    September 2, 2011 at 8:49 am

    The companies that we do business with will write the policy. The smoke detectors just give you a discount. But that’s in PA, I don’t know where you live. The underwriting may be different where you are.
    Most cities have laws for landlords, that they must provide them. Check into that first. Then I would contact the fire department, and ask if they give them to people who can not afford them. Next check out the prices. Sometimes you can get a basic smoke detector for under $ 20. It would be a well spent $ 20. Then I’d forward the bill to the landlord. The worst he could do is not pay you back. Regardless, you need them, so get them any way you can.

  4. Reply
    September 2, 2011 at 9:09 am

    Yes. That usually only helps you get a discount. The apartment I rented didn’t come with them but I bought them (pretty inexpensive) and I still got insurance. It won’t count you out, it just affects your discount.

  5. Reply
    September 2, 2011 at 9:42 am

    Yes. You can renter’s insurance regardless of whether their are smoke detectors.
    In fact, the fact there are no smoke detectors indicates you really, really need the insurance because in event of a fire there would be no early warning, meaning any fire is likely to be worse because it will take longer to get discovered and thus cause more damage.
    However, most states building codes require smoke detectors in rental units, so there may be a violation.

    You can pick up a cheap one yourself. Small ones are only $ 5 or so.

    Or your local fire department will probably give you one if you call them and tell them your story.

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