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Yes, most of them want you to have it for liability purposes.

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โˆ™ 2007-11-04 04:06:17
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Q: Can a landlord require a Section 8 tenant to obtain renter's insurance?
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Can a landlord require that he be named as a beneficiary on renter's insurance?

Renters insurance covers only the renters stuff. You would not be covered as you do not have an insurable interest on his stuff.

Do I need to purchase rental insurance for living in furnished apartments?

This depends on your landlord. Even if your landlord doesn't require renters insurance, you should buy a policy anyway, since you're going to have stuff of your own in your apartment.

Can landlords require that tenants acquire renters insurance?

The general answer is yes. Although it may vary by state, the landlord can require in the lease that the tenant obtain renter's insurance. One exception to this is government funded housing.

Can the landlord require renter insurance?

Yes! Your landlord can require anything he wants in the lease.

May landlord require you to carry tenants insurance in order to rent?

Actually, this can be a requirement from your landlord.

Is it legal for a landlord to require you to cary renters insurance and list them as an insured interest in California?

Yes, It is legal in every state. It's in your lease contract that you would have signed when you rented the place. Pretty much all landlords around the country require insurance now or you are not considered eligible to rent the place.

Is a tenant in Arkansas required to carry renters insurance or can it be placed on the lease by the landord?

Yep, It's become the industry norm to require tenants carry a renters insurance policy. This protects the property of both the landlord and the tenant as well as certain liabilities of the tenant in the event of damages or loss concerning the rented property. It's in the lease contract. Failure to provide the coverage is a breach or default of contract and he landlord can buy whatever he wants and bill it to you.

Can you get rental insurance with a trampoline on the property?

Yes, most likely because renters is more for you, the apartments contents and your persoanl liability. Your landlord however could have his fire policy cancelled or require you to remove the liability so he is not at risk.

Why would a landlord request that he be named as an additional insured party on your renters insurance policy?

Renters insurance and the Additional InsuredIt is common to list the property owner as an additional insured, After all you are renting his property and have accepted certain liabilities for damages to the property. The reason a landlord would require this is in the event that a loss occurs and the tenant refuses to file claim, the landlord as an additional insured can call and file the claim for you. AnswerThat is a good question. You are right to be cautious ask your insurance agent.

How many property management firms require renters insurance?

Almost all of them, It has become the norm in the industry

Does section 8 require landlord to paint tenants apartment after five years?


Does homeowners insurance cover renters belongings when their house was broken into and items were stolen?

If you are the owner of the house, and are renting to tenants (making you the landlord), then you only have insurance on the house (dwelling coverage - not homeowners coverage) and not the personal contents of the renters. In this case, no, your insurance will not cover their loss. It is the responsibility of the renters to purchase insurance coverage on their personal belongings. If you are the renter (tenant), then you have to buy contents coverage on your personal belongings, such as furniture, clothing, etc. The landlord is not responsible for your belongings, whether the loss is from robbery, fire, etc. In order to purchase homeowners insurance you have to own the home (but it can still be mortgaged) and you have to live in the home. Otherwise, you have to have a dwelling policy on the house if you want it insured, whether it's vacant or rented. If, however, there is still a mortgage on the house, the bank (or mortgage holder) will require you to have insurance on it. If the house is paid for, then it is at your discretion whether to have it insured or not, for the value of the house. But if you rent it out, your state may require that you carry liability insurance on it.

Do you have to have renters insurance?

Some landlords may require you to carry tenants insurance in order to rent. If they don't it is still a very good idea to have it and very inexpensive.

Is your landlord responsible if a tree limb falls and damages your car?

No. This is why landlords require tenants to carry renter's insurance. Call your car insurance provider.

Do you need insurance on a small boat?

If you have a loan, probably. No loan would mean no requirement. Common sense though would require it. Adding it to your home insurance or renters insurance would probably cost pennies.

I have an existing lease now owner says everyone in complex has to buy renters insurance have to buy renters insurance?

If it's not in your current lease agreement then there is no way he can force you to buy it. But when your lease comes up for renewal he can insist you get it or just not renew your lease if you refuse. Most complexes now require that tenants purchase renters insurance. It protects both the tenant and their property as well as the landlord against damages to his property by a tenant. This has become common practice these days with leases both personal and commercial. Most likely someone in your complex has tried to bring a claim against the apartments for some personal property loss, or, They trashed the apartment they rented leaving a big repair bill for your landlord, so your landlord is just avoiding future problems and expenses by conforming to current industry practices and requiring that everyone get insured.

Can landlords require that tenants acquire renters insurance for government funded housing?

Yes, It has become the norm in the leasing industry. It's written into the leasing contract.

What sort of situation would require landlords insurance?

Landlord's insurance would be necessary to protect the owners's property in the event of mishap but it would remain the responsibility of the tenant to cover their own belongings with tenant insurance.

Can landlords require renters to pay for a hotel while apartment is under construction?

The landlords insurance would cover the hotel costs if your apartment was damaged under a covered insurance loss. Your tenants insurance would also provide coverage as well.

Does renters insurance covers a locksmith?

I cannot see any way that a covered cause would require you to get a locksmith. If the damage was not caused by a covered cause then no it will not pay for a locksmith.

Why does a tenant need a certificate of insurance?

Landlords generally require a tenant to have a certificate of insurance showing that the tenant has personal belongings insured, as the landlord's policy doesn't cover personal property of the tenant.

Why can a landlord ask for a deposit from some renters but not all renters Isn't that discrimination?

Yes, but most discrimination is perfectly legal. He can't, for instance, require all his black tenants to pay a deposit, but non of the white tenants. But, he can rent two apartments to two brothers, and tell one that he has to pay a deposit, but waive it for the other.

Why will landlords require their name get added to the tenant's insurance policy?

Usually tenants are responsible for accidents in their apartments. But that doesn't stop injured people from suing EVERYONE including the landlord, on the theory that maybe the reason for the accident was something the landlord was responsible for (bad electric wiring that the tenant made worse for example) or say a bathtub that had no 'non-slip' strips in the bottom and the tenant got hurt. So the landlord will want to be what's called an "additional insured" on a tenant's liabilityinsurance policy. That's the kind of insurance that protects against things like accidents that hurt people and damage property. By adding the landlord's name, if the tenant and the landlord are sued, the tenant's insurance company would be required to also defend the landlord. That doesn't mean that if the landlord loses that the tenant's insurance company pays the damages that the landlord owes, it just means the insurance company pays for the lawyer and defense team.

Which insurance would one need to cover water damaged household goods?

For water damaged household goods, you would require flood insurance if the water damage was caused by flood. Otherwise, homeowners insurance or renters insurance would quite possibly work depending on whether you own or rent your home.

Get Renter's Insurance For Less?

If you are going to rent, then you need some form of renters insurance. This is just a smart move that will save you in case of a disaster. Because renters insurance is really only a product that's designed for disaster, you might save money by taking on a high deductible with your plan. A high deductible will give you lower premiums. It will be a risk in a way, because you will have to pay more to use the insurance. Since the coverage is mostly useful only in disasters, though, it makes sense to structure your policy in this way.