If the tenant's health issues are caused by the landlord's violation of health and building codes, then the tenant can sue the landlord. The landlord's insurance would normally get involved at this point, as opposed to being sued directly.
If the tenant has special health needs that the landlord isn't meeting, then too bad, move. As long as the health and building codes are being complied with, tenants cannot force a landlord to take extraordinary measures.
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.
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.
No, but the tenant can report such a code violation to the municipal or county Code Enforcement Bureau.
You should have tenant insurance yourself because the landlords insurance only covers the damage to HIS PROPERTY, not yours. So I VERY HIGHLY suggest you get personal insurance if you want to replace damaged/stolen items.
Landlords Insurance covers the property owners interest in the property and structure. It doe snot cover the property nor the liabilities of the tenant. The extent of coverage provided is dependent on the options chosen by the insured.
Generally landlords are not responsible for damage to tenant belongings. This is why tenants are encouraged, and some landlords require this, to purchase rental insurance.
No
personal
The Landlord Tenant Act is the rights and responsibilities of landlords and tenants. General obligation of tenants and landlords. It also governs the rental of commercial and residential property.
"While in many areas tenant screening is required by many landlords, in most places screening is not required. Depending on the location and company, you may or may not become subject to tenant screening."
Although landlords are bound to hold insurance over their properties, their main priority is the property itself. In a lot of cases there is a slight disregard to the tenant in unfortunate situations. For example, if there were a fire, the landlord's priority would be to ensure the building was repaired, it would then be down to the tenant themselves to deal with the issue of damaged or lost property, which would be covered by the renter's insurance,
The purpose of landlord insurance is to reimburse a landlord if for some reason he is unable to use his property for income due to a tenant. For instant, it covers damage done by a tenant, as well as reimbursement for lost rent while the apt. is uninhabitable, and it even covers court costs.