Roommate horror story: 3 real-life scenarios that can cost you

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It's the perfect storyline for a thriller: Roommate moves in. Roommate tries to steal your identity. Roommate turns into Single White Female. Actress Jennifer Jason Leigh may not have cost Bridget Fonda thousands in a lost security deposit (at least, not that we know of!), but roommate horror stories are more common than you might think. And a real-life bad-roommate scandal goes beyond just drinking all the milk and not replacing it. Things like a roommate skipping town and not paying rent, adopting a dog and letting it run amok, and stealing your personal possessions can happen — and can cost you big time. Avoid being unknowingly cast in a roommate horror story by considering these real-life stories of roommate woe and the words of wisdom from David Roberson, real estate attorney and principal of Silicon Valley Property Management Group, which manages apartments for rent in San Jose, CA.

1. Secure the security deposit

When Carrie Campbell of Athens, GA, moved into her rental home with two other friends, she had no reason to think they wouldn't get their security deposit back when it was time to wrap up their lease. But fast-forward several months into the lease, when one of Campbell's roommates decided to get a dog. "She would leave town without warning for days and just leave it inside to pee and poop or tied up in the yard," Campbell says. That damage, unfortunately, cost the trio their full security deposit.

Avoid it: Assuming your rental agreement doesn't allow pets, this is an outright breach of lease. Campbell and her other non-dog-owning roommate could have reason to sue the dog owner in small claims court for the amount of money lost due to the damage the dog created, says Roberson. But beyond taking them to court, it's best to be firm with your roommates from the very beginning on whether pets are allowed, even if your lease says it's OK to have one.

2. Cover your personal goods

When you live with someone else, there's always a risk that your roommate will break or damage some of your personal belongings — one reason renters insurance is so important. Torie Robinette of Charlotte, NC, never dreamed her one-time friend and roommate would take off with her property. "I was fighting with my roommate quite a bit leading up to this," she says. "I went home for Christmas break, and when I got back home on New Year's Eve, she had moved out and literally, Grinch-style, taken everything but the Christmas tree, including furniture we had purchased together. She also took the wireless router and left a $20 bill on the kitchen counter. I had to call our landlord and have him track her down." Luckily, Robinette never had to place a claim with her insurance company for the missing furniture the two had paid for together — the roommate eventually returned some of the items, and Robinette's parents helped pay the remainder of the rent on the lease.

Avoid it: There's not much you can do to keep this from happening, says Roberson. Robinette and her roommate were friends when they moved in together, so the situation was a surprise. But if the roommate had decided not to return any of the valuables and personal belongings, Robinette's best chance of recourse would've been to go to small claims court to seek reimbursement for unpaid rent, missing belongings, and any additional damages, says Roberson.

3. Protect your rent

Or rather, make sure your roommate doesn't bail and leave you on the hook for the full rent payment. Such was the case with Ann McBride of Fairfax, VA. "My roommate came to me one day and said she had signed a lease somewhere else because she couldn't afford our place anymore, and she was moving out in two days," she says. "I was unemployed at the time and already getting assistance from my family to pay my portion of the rent. We threatened to take her to small claims court to get her to pay up but never followed through. She just moved out, even though her name was on the lease, and left me there to pay $1,000 more in rent for six more months. She couldn't understand why this was a problem. In her mind, she had explained that she couldn't afford it, so why should she pay it? All in all, she cost me about $10,000 in the course of a year."

Avoid it: Yes, McBride could have taken her roommate to small claims court to cover the missing lease payments. But that wouldn't have necessarily solved her problems. "The remaining tenant would be obligated to find another tenant to mitigate the damages caused by the moving tenant," explains Roberson. So unless McBride wanted to break her lease as well (and deal with the potential ramifications, like forfeiting her security deposit), she would be on the hook to find a new roommate with whom she could share costs.

Related: Most expensive homes in each state

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Roommate horror story: 3 real-life scenarios that can cost you
Beachside beauty: 29416 Canal Road, Orange Beach, AL 36561

$2.9 million, 7 bedrooms, 8 bathrooms, 10,580 square feet

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Hidden Bay hideaway: Hidden Bay, Juneau, AK 99801

$4.75 million, 3 bedrooms, 3 bathrooms, 2,382 square feet

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Sunset paradise: 10696 E. Wingspan Way, Scottsdale, AZ 85255

$32 million, 8 bedrooms, 10 bathrooms, 29,700 square feet

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Lakefront lodge: Address Not Disclosed, Hot Springs National Park, AR 71913

$4.95 million, 3 bedrooms, 5 bathrooms, 4,788 square feet

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Five-star for nine figures: 301 N. Carolwood Drive, Los Angeles, CA 90077

$150 million, 10 bedrooms, 30,000 square feet

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Among the Aspen trees: 41 Popcorn Lane, Aspen, CO 81611

$50 million, 8 bedrooms, 13 bathrooms, 17,013 square feet

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Greenwich garden home: 25 Lower Cross Road, Greenwich, CT 06831

$65 million, 7 bedrooms, 10 bathrooms, 8,038 square feet

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Capital gains: 2850 Woodland Drive NW, Washington, DC 20008

$12 million, 7 bedrooms, 10 bathrooms, 10,300 square feet

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Beachy blues: 1 Hazlett St., Rehoboth Beach, DE 19971

$5.995 million, 6 bedrooms, 7 bathrooms, 8,399 square feet

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Naples nobility: 3100 Gordon Drive, Naples, FL 34102

$59.9 million, 5 bedrooms, 8 bathrooms, 15,996 square feet

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A saintly residence: 120 Hawkins Lane, Saint Simons Island, GA 31522

$20 million, 5 bedrooms, 10 bathrooms, 11,000 square feet

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Private island paradise: 69-2014 Nani Paniau Place #5, Kamuela, HI 96743

$35 million, 7 bedrooms, 9 bathrooms, 7,130 square feet

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Nature lover’s playground: 125 Sheep Meadow Lane, Ketchum, ID 83340

$20 million, 8 bedrooms, 11 bathrooms, 15,000 square feet

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Equestrian estate: 7 Fox Hunt Road, Barrington, IL 60010

$18.775 million, 9 bedrooms, 15 bathrooms, 30,000 square feet

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Midwestern Zen: 1425 Castania Way, Indianapolis, IN 46228

$6.5 million, 5 bedrooms, 9 bathrooms, 16,646 square feet

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Majestic in Marion: 6201 Lakeside Road, Marion, IA 52302

$3.5 million, 5 bedrooms, 6 bathrooms, 7,934 square feet

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Stucco serenity: 6431 Wenonga Road, Mission Hills, KS 66208

$2.499 million, 5 bedrooms, 6 bathrooms, 6,341 square feet

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Derby days homestead: 5802 River Road, Prospect, KY 40059

$16 million, 6 bedrooms, 6 bathrooms, 11,418 square feet

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Riverfront residence: 18447 Three Rivers Road, Covington, LA 70433

$7.5 million, 5 bedrooms, 7 bathrooms, 7,597 square feet

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Cliffside chateau: 180 Abrams Mountain Road, Islesboro, ME 04848

$10.9 million, 3 bedrooms, 3 bathrooms, 8,000 square feet

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Maryland estate: 10501 Chapel Road, Potomac, MD 20854

$9.25 million, 9 bedrooms, 16 bathrooms, 25,051 square feet

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Easy, breezy in Nantucket: 22 24 Easton St., Nantucket, MA 02554

$29.75 million, 5 bedrooms, 5 bathrooms, 3,320 square feet

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On the waterfront: 2600 Turtle Lake Drive, Bloomfield Township, MI 48302

$12 million, 6 bedrooms, 13 bathrooms, 13,347 square feet

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Lake Minnetonka mansion: 2660 Woolsey Lane, Wayzata, MN 55391

$7.995 million, 5 bedrooms, 7 bathrooms, 12,502 square feet

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For the sportsman: 532 Quailwood Road, Holly Springs, MS 38635

$3.4 million, 9 bedrooms, 8 bathrooms, 8,000 square feet

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Show-Me State stunner: 15 Pine Valley Drive, St. Louis, MO 63124

$4.95 million, 6 bedrooms, 8 bathrooms, 9,837 square feet

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Big Sky, bigger acreage: 405 Delrey Road, Whitefish, MT 59937

$20 million, 3 bedrooms, 4 bathrooms, 4,868 square feet

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The horseman’s retreat: 30202 Ida St., Valley, NE 68064

$3.7 million, 7 bedrooms, 7 bathrooms, 8,155 square feet

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An artful Vegas estate: 1717 Enclave Court, Las Vegas, NV 89134

$22 million, 6 bedrooms, 9 bathrooms, 13,200 square feet

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Peaceful and private in Portsmouth: 321 Little Harbor Road, Portsmouth, NH 03801

$10.9 million, 6 bedrooms, 11 bathrooms, 15,032 square feet

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Joie de vivre: 86 Montrose Road, Colts Neck, NJ 07722

$15.9 million, 6 bedrooms, 10 bathrooms, 18,117 square feet

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Southwestern perch: Tesuque Ridge, Santa Fe, NM 87506

$13.65 million, 6 bedrooms, 7 bathrooms, 13,779 square feet

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Upscale in upstate: 34 Lower Shad Road, Pound Ridge, NY 10576

$75 million, 8 bedrooms, 14 bathrooms, 20,043 square feet

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Fontana Lake estate: 410 Lakewood Drive, Bryson City, NC 28713

$10 million, 7 bedrooms, 9 bathrooms, 8,704 square feet

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Horseman’s haven: 17411 Horse Haven Drive, Christine, ND 58015

$3.2 million, 4 bedrooms, 5 bathrooms, 4,394 square feet

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Country castle: 2779 Som Center Road, Chagrin Falls, OH 44022

$7.9 million, 5 bedrooms, 8 bathrooms, 17,241 square feet

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Sooner State frontier: 18901 Bradshaw Lane, Thackerville, OK 73459

$10.8 million, 6 bedrooms, 8 bathrooms, 8,600 square feet

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Northwestern ranch: 6661 SW 3 Springs Ranch Road, Powell Butte, OR 97753

$25 million, 3 bedrooms, 2 bathrooms, 2,244 square feet

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Pennsylvania hideaway: 912 Providence Road, Newtown Square, PA 19073

$8.995 million, 8 bedrooms, 9 bathrooms, 15,000 square feet

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Personal peninsula: 254 Ocean Ave., Newport, RI 02840

$19 million, 14 bedrooms, 17 bathrooms, 15,851 square feet

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Lowcountry plantation: 6466 Plantersville Road, Georgetown, SC 29440

$13.475 million, 10 bedrooms, 9 bathrooms, 10,000 square feet

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South Dakota dynamo: 940 Quail Hollow Circle, Dakota Dunes, SD 57049

$4.5 million, 5 bedrooms, 7 bathrooms, 11,749 square feet

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A mansion among mountains: 1909 Rudder Lane, Knoxville, TN 37919

$7.895 million, 5 bedrooms, 9 bathrooms, 13,096 square feet

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Lone Star grandeur: 5950 Deloache Ave., Dallas, TX 75225

$28.5 million, 4 bedrooms, 7 bathrooms, 15,254 square feet

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Ski lodge: 9806 Summit View Drive, Park City, UT 84060

$21.9 million, 6 bedrooms, 10 bathrooms, 13,536 square feet

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Green Mountain sanctuary: 506 N. Hill Road, Stowe, VT 05672

$12.5 million, 7 bedrooms, 8 bathrooms, 8,150 square feet

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Par for the course: 205 Silver Tee Drive, Penhook, VA 24137

$25 million, 7 bedrooms, 8 bathrooms, 10,846 square feet

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Horticultural dreamland: 12011 SW 220th St., Vashon, WA 98070

$43 million, 5 bedrooms, 5 bathrooms, 6,500 square feet

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George Washington was here: 1827 Earle Road, Charles Town, WV 25414

$2.795 million, 6 bedrooms, 6 bathrooms, 12,860 square feet

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Masculine getaway: 5770 Kumbier Road, Pickett, WI 59464

$7.5 million, 3 bedrooms, 4 bathrooms, 5,250 square feet

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Western wonderland: 2455 N. Fish Creek Road, Wilson, WY 83014

$19 million, 5 bedrooms, 5 bathrooms, 5,688 square feet

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