I speak with a lot of tenants on a day-to-day basis. Many of the tenants I speak to have been displaced or had their personal property damaged or destroyed as a result of fires, flooding, or ongoing repair work. Inevitably I always ask them is “Do you have renters insurance?”

*This article was researched and written with help from tenant attorney and Broke-Ass Stuart columnist Daniel Wayne.  To learn more about your rights as a tenant check out out Daniel’s other articles here or his website.  Did you know that not all buildings in San Francisco are protected by rent control? Did

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Navigating a relationship with your landlord can be tricky. Unfortunately there are plenty of slumlords out there and many tenants do not know their rights. I learned a lot about tenant rights after I had a crazy landlord in college. He called from Brazil and asked me to wire him the rent a week early. I told him to shove it.