Why do i need renter's insurance for installing dish in my apt?

Question

Do i really need renters insurance to get a dish installed from dish network?
Dish network wants a written letter form my apt management stating that it is ok to install a dish in our apt. When i spoke to my apt mgt, they said thats only possible if we show them proof of renters insurance. There are a zillion dishes installed in my apt comples( its huge!) .
1) Why can't they just install it without the letter from the mgt?
2) How much will it cost us? We move frequently so we don't have expensive furniture or anything else that would need insurnace.
3) any other cheaper solution? We do have option for cable TV ( timewarner) but they have no international channels that we want.
PLs help. We live in cleveland, oh

Answer 1

1) They can't install the dish without permission because it has to be affixed to the exterior of the building which is owned by the landlord. If you wanted to add something to the exterior of the building you live in, you would need permission too.

2) Renters insurance is cheap (about $20 a month where I live) and is a good idea to have regardless of how much you value your stuff. Plus there is no requirement that you have to have the renters insurance for an extended period of time

3) Check the Internet for your options. Sometimes, smaller cable companies compete with the more established ones.

Renters Insurance is likely required to cover any liability issues if the dish were to be damaged.

Answer 2

Buy renters insurance it is cheap and you need it. Even if you don't have furniture in a fire you would lose your clothing, linens, dishes, pots and pans and dozens of things you won't miss until you need them again.
My nephew lost an apartment full of stuff at 19 it wasn't much but he didn't have money to replace so had to move home with parents.
The insurance may only cost $50 a year and well worth it.

Answer 3

In the first place we could start with the dish is on there roof, that makes dish liable if anything happens like a lighten strike.
If the idiot installing the dish starts a leak, like they did on my roof, are you going to fix it?
What if the wind kicks up and blows the dish into the neighbors roof, who's liable?

We could go on and on but, I think you get the picture.

Answer 4

The insurance covers liability in case of damage. The landlord shouldn't be responsible for that.