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A person has a duty to operate dangerous equipment with the ordinary care of a reasonably prudent person to avoid damage or injury to others. If the stove was defective, or the fire erupted from some unforeseeable circumstances, it might be shown that the fire was not caused by any lack of care by the tenant. On the other hand, the tenant is responsible for returning the premises in the same condition as when he rented them. That is why renter's insurance usually includes liability coverage; it covers accidents that injure or damage others. We suffered a similar situation. I was using hot oil on the range when it suddenly flared up into a torch. I was unaware the flames had lept into the hood. I was able to get the stovetop fire out. But when thick black smoke barreled through the house--I got out and called the fire department. The hood and stove were totaled. The landlord filed a claim with their homeowners' insurance. The insurance rep came to the house and lectured us about now having renter's insurance and warned we would be sued for the full amount of all of the repairs and cleaning. The total cost was $6,000: new cabinets, cleaning the floors, walls, ceiling fans and the blinds that belonged to us. The landlord received check for the full amount, according to the Nationwide rep that called me and tried to get me to pay $6,000. They asked me several times if I left the home with the stove on and I told them I had been there the entire time, following a recipe and it was not negligence. The landlord replaced only the stove. The cabinets are ok but not for the $1,000 rent we pay for a 20-year-old damaged home. We were never sued by the insurance company. Now, we want to move out of this home in which we have lived for nearly 7 years. I don't know how to handle whether or not we should get the security deposit back. If anyone can help please do. We feel we have been getting ripped-off for a few years. Please help, If the premises are not returned to the landlord in the same condition as when you rented them, they are certainly entitled to bill you for any repairs necessary from your possession of the premises, and keep as much of the security deposit as necessary to cover those charges, MINUS whatever they have collected from their own insurance. to cover the same damage (they can't collect twice). Your liability insurance (renter's insurance) should cover accidental damage to the landlord's property.

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โˆ™ 2007-03-20 06:54:26
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Q: What defense is available for a tenant if he has no insurance and a fire started from his stove?
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Related questions

Can landlord use home insurance claim if tenants wreck property?

If the tenant damages the property he is liable for such damages. The Landlord may or may not have his own insurance for this purpose but the tenant is liable. If the Tenant has his own insurance (Renter's Insurance) then the Tenant may file a claim and damages will be covered by that insurance.

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.

Does tenant liability insurance cover property damage due to tenant negligence?

Yes if it is covered by d insurance policy & No if not. Usually its not.

Can the renter make the tenant pay for the home owners insurance?

No. If the tenant does not own the building they legally cannot be responsbile for the insurance on the building.

Can a lien be placed on a house from a bank debt from a tenant?

No. A tenant has no ownership interest in the property and so the property is not available to their creditors.No. A tenant has no ownership interest in the property and so the property is not available to their creditors.No. A tenant has no ownership interest in the property and so the property is not available to their creditors.No. A tenant has no ownership interest in the property and so the property is not available to their creditors.

What kind of insurance should you ask your tenant to carry?

Renters insurance .

How can one obtain tenant insurance?

If one is a tenant and wants insurance then one can apply for it through price comparison websites such as gocompare or comparethemarket. So long as the fact that it is a tenant applying is mentioned it will be accepted.

Whose insurance covers tenants swimming pool?

If the pool belongs to the Tenant then the Tenant will have to insure it.

Why should a tenant have insurance if the landlord has insurance?

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.

Can landlord insurance cover damage from tenant move out?

Well, what do you mean by Landlord Insurance? There is property insurance and Tenant or Renter's Insurance. The former covers any damage to the property by a storm, fire, burglary, etc., but not anything inside the unit, meaning, anything owned by the tenant. That's what Tenant insurance is for. Tenant insurance covers any property of the Tenant, in and out of the home (out of the home is generally covered by only 10 %); property damage by the Tenant, either while living there or upon moveout; and medical care of up to about $1,000 to anyone who gets hurt in your home. It also covers loss of use of the home to a certain amount, which helps you with lodging and moving costs should you need to stay out of the home.

Is a Section 8 Landlord required to have insurance?

Every landlord is required to have insurance, but now the question is what type of insurance. Property insurance is likely the type of insurance that the landlord is carrying. This does not cover anything inside the property that belongs to the tenant. For this, the tenant needs to purchase separate insurance called renters insurance.

Who is responsible for a cooking fire landlord or tenant?

The tenant is liable. Thats a good reason to by renters insurance.

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.

What to do when your basement tenant sue the house owner six weeks after a fall without even inform the owner at the time of fall and Is it covered by homeowner insurance?

It is very difficult to prove if the tenant had not informed the tenant at the time of fall. Judge will suspect that it is fraudulent insurance claim. Tenants are not covered by a homeowner insurance. However, if the homeowner has a landlord insurance, tenants are covered.

What is a HO9 home insurance endorsement?

Home ins with a tenant

Why Tenants Liability insurance?

The property Owners Liability Insurance does not extend coverage to a Tenant. This is one reason a tenant might want to buy their own tenants liability coverage for their own protection.

What is the remedy available to the landlord when a tenant doesn't pay?

When a tenant doesn't pay his rent the landlord may begin eviction proceedings in court, which forces the tenant to move.

What is covered by homeowners insurance if you are renting the house?

The dwelling Owners policy does not cover the property or liability of a tenant. Rental dwellings are covered under a Dwelling Policy that covers rental properties not a homeowners policy. If the tenant seeks coverage, the tenant must buy his own Renters Insurance Policy.

How can a tenant get compensation because your neighbor ' fire caused?

Renter's insurance.

Where can a person get information on unsecured tenant loans?

The best way to acquire such information is to consult with the manager of the tenant. If the manager does not wish to give away such information, try to contact the building insurance company of the tenant.

Is it legal to do tenant screening?

"Yes, various types of tenant screening are required and allowed by law and there are even tenant screening services available for purchase online at some websites."

Can a tenant sue the landlords home insurance for faulty fire codes?

No, but the tenant can report such a code violation to the municipal or county Code Enforcement Bureau.

A tenant damaged my property. Will my insurance cover it?

This would be covered under Malicious or accidental damage if your insurance company provides this.

Can a Landlord dictate the amount of renter's insurance you get?

In many places, depending on the lease, the landlord can insist on the minimum amount of insurance the tenant has.

I am a joint tenant will I be covered if they leave a window open and I get burgled?

Depends on if you have renter's insurance or not.