• Ninja876@lemmy.world
    15·
    2 days ago

    There is no way anyone has that much insurance as a renter. I tried to insure my coin collection (in a rated safe) on top of my renters insurance and the premium was insane. Best you might get is around $25k.

    Also they got sued by all the renters around them for damages.

    • Undaunted@feddit.org
      181·
      2 days ago

      I have something called liability insurance (Haftpflichtversicherung) and it covers up to 10.000.000 € in damages I could inflict on other peoples property. And it only costs me 75 € a year. Nearly everyone here has such an insurance.

      • Zarobi@aussie.zoneEnglish
        5·
        2 days ago

        Sounds like a good idea. In Australia we have something like that specifically for cars/driving but it would be cool as a general thing

      • Humanius@lemmy.worldEnglish
        3·
        2 days ago

        You got me to double check whether I actually have liability insurance (aansprakelijkheidsverzekering in Dutch)

        Looks like I’m good 👍

          • Humanius@lemmy.worldEnglish
            3·
            1 day ago

            No. Just like German, Dutch uses compound words.

            “Aansprakelijkheidsverzekering” is two words in a trench coat:

            • Aansprakelijkheid (liability, or more literally: adressableness)
            • Verzekering (insurance, or more literally: assurance)

            You can further break those down too:

            • “Aansprakelijkheid” is built around the word “spraak” (speech), so if we want to be even more literal it means “to-speakable-ness”
            • “Verzekering” is built around the word “zeker” (certain/sure), hence the literal meaning “a-sure-ance”

            So in a way that word means “to-speakableness-assurance”

            Edit: One of the longest (non-medical) words in the dictionary is actually another type of insurance:

            “Arbeidsongeschiktheidsverzekering” (Insurance for being unfit to work (i.e. disability insurance), literally “labour-unsuitableness-assurance”)

    • ryannathans@aussie.zone
      1·
      1 day ago

      See my other comment, but our very affordable home and contents insurance here covers $20 million in public liability

    • spankysalmon@fedinsfw.appEnglish
      61·
      2 days ago

      I mean… you’re only explaining why insurance is a scam, not why someone would expect coverage.

      You’re right in that anyone expecting insurance to cover this doesn’t understand the first thing about insurance, but that’s because insurance is a fucked up garbage industry full of grifters.