• Ninja876@lemmy.world
      15·
      3 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·
        3 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·
          3 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·
          3 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·
              2 days 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”)

      • spankysalmon@fedinsfw.appEnglish
        61·
        3 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.

      • ryannathans@aussie.zone
        1·
        2 days ago

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