What defense is available for a tenant if he has no insurance and a fire started from his stove?
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.
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.
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.
No. If the tenant does not own the building they legally cannot be responsbile for the insurance on the building.
Yes if it is covered by d insurance policy & No if not. Usually its not.
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… Read More
Renters 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.
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.
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… Read More
If the pool belongs to the Tenant then the Tenant will have to insure it.
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.
The tenant is liable. Thats a good reason to by renters 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.
Home ins with a tenant
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.
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.
When a tenant doesn't pay his rent the landlord may begin eviction proceedings in court, which forces the tenant to move.
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.
"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."
No, but the tenant can report such a code violation to the municipal or county Code Enforcement Bureau.
This would be covered under Malicious or accidental damage if your insurance company provides this.
In many places, depending on the lease, the landlord can insist on the minimum amount of insurance the tenant has.
No. "Renters Insurance" is property coverge for a tenant. It will cover the property of the named insured Tenant or Renter that is located within the rented dwelling. It will not cover property of someone who is not a named insured on the policy.
Liability requirements should be commensurate with the risk expsoure excountered. One might ask, What is the maximum libility exposure of the tenant? This would be the amount of liability insurance to carry.
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… Read More
Whom ever started the fire is responsible for it. If it was caused by cooking than it would be the tenant, and the tenant would be held liable, obviously. If it was something more comples like faulty wiring for example it would be a bit trickier and it would depend on a few circumstances to get to the bottom of it. For instance: If there was a damaged wire that caused a fire and it… Read More
Depends on if you have renter's insurance or not.
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… Read More
34 years old
Tenant legal liability is insurance which covers damages to leased spaces. It covers losses such as fire, which are usually excluded from commercial general liability policies.
Is this for yourself, such as, to evaluate the tenant? Or is it for the tenant himself? If you're trying to do this as part of your tenant selection process, there are entities that are available for background checking, which may include criminal background checks and credit report checks. If the latter is true then it's up to the tenant to obtain his own credit report.
Can a landlord hold a tenant responsible for a lease agreement if the tenant was not mentally competent and no attorney was present at the signing of the lease agreement?
Did a court adjudicate the tenant as incompetent? Then, if and when the landlord sues, that would provide the basis for a defense. You can't stop the landlord from trying to recover damages.
In most states, the responsibility for vandalism falls on the tenant of a building if the persons who did the vandalism were guests of the tenant. If it can be proven in court that the tenant had no knowledge of the vandalism and does not know who the criminals are, the landlord's insurance should pay for the damage.
No. Damage done by a tenant is specifically excluded on a dwelling policy. Tenants are considered insureds under the policy and damage done by an insured is not covered.
Is the homeowner or the tenant responsible for damages caused by a tree falling on a rented property?
Homeowner's insurance would be the first recourse. If insurance does not cover the damages the owner of the property would be responsible. The answer above is fundamentally accurate but the tenant is not automatically free of any obligation. If the tenant is renting a home as opposed to an apartment he may have some responsibility for reasonable upkeep and maintenance. If he fails to water the tree for a year and that is the cause… Read More
Your land lord is not responsible for any damage to or loss of personal belongs. This is why you would want to get renters insurance. The owner of the home should have it covered with "Home Owner's Insurance", which doesn't cover a tenant's belongings should there be a fire, etc. Renter's Insurance covers the tenant's belongings. Without it, a tenant would not be eligible for a claim and would not be able to recoup any… Read More
Your "Renter's Insurance" should be the one paying the claim. It is your responsibility as a tenant to report any property damage to the landlord, and at the same time it should have been reported to your insurance carrier. If, per chance, one does not have renters insurance (which escapes all understanding why one wouldn't have this) then the tenant is responsible for all damages above what is considered normal wear and tear.
no you should have building insurance, you would keep there deposit though
Depends on the state. In Massachusetts, the landlord is required to carry insurance to cover $750 in the event of a fire.
It depends on what coverages you selected when you purchased your insurance and who was bitten by the snake. If you selected medical coverage option when you bought your home insurance policy you may have coverage if you were bitten by a snake on your own property. If the tenant was bitten then no. Your medical coverage does not extend to a tenant. There would also be no coverage for a tenant being bitten by… Read More
That depends on the type of insurance policy it is. If it's the landlord's policy on his building, with him paying the premiums, then the insurance benefits go to him. For the insurance money to go to you, then you would have had to have taken out renters insurance, with you paying the premiums, insuring the contents (your personal belongings).
Yes, most of them want you to have it for liability purposes.
From an insurance perspective the landlord should have coverage on the building and the tenant should have coverage on his/her contents. Legal liability may be a different issue depending on the circumstances of the fire.
Tenant insurances covers both liability and the contents of the place one is renting. It covers a large number of items, including but not limited to flood damage, stolen property, and destruction of property.
Yes, if you can prove negligence on the part of the tenant that directly resulted in the fire you could seek coverage from the liability portion of the tenants policy.
Typically refers to an endorsement on your building insurance policy that provides a reduced deductible for glass damage. Sometimes referred to as a "glass deductible buyback"
Probably YES. Read your lease. The tenant may be held liable for all legal fees incurred by a landlord by actions of a tenant. Since the landlord had to provide a defense, he incurred fees. Just as if you WON, you may have been able to collect YOUR legal fees. Laws vary by state and I am not an attorney. See RentLaw.com for general info.
Are renters covered under home owners insurance I own a home and rent it out the tenant slipped and fell on the hardwood stairs is his medical and hospital bills covered under my home owners policy?
No, your renters medical bills are covered under their own major medical policy. Should your tenant sue you and you have the appropriate Landlords Dwelling Policy coverage with liability, your insurance company would cover the cost to defend you in court as well as any judgment rendered up to your policy limits should you be found liable for the tenants injuries. If you have only a homeowners insurance policy and failed to endorse your property… Read More