No. Be sure you only insure the dwelling and not the contents inside. You should ask your tenants to have renters insurance to cover their personal belongings. Your mortgage company will require that you have adequate coverage but is not concerned with personal belongings inside the home. As far as I know, the mortgage company has no say in who lives in the home.
Yes, typically you must pay the towing bill to retrieve items from your vehicle. Most towing companies require full payment for any fees associated with towing and storage before allowing access to your belongings. However, some jurisdictions may have specific regulations regarding access to personal items, so it's worth checking local laws or contacting the towing company for clarification.
OSHA does not require employers to provide a place for personal belongings. Most employers would suggest to you not to bring any valuables to the workplace, however, I good employer who cares for their employees will provide lockers for their employee's. The downside to having a personal storage space provided by the employer is that they have a right to search the locker IF circumstances require it.
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.
general rule ,YES. Some states require them to and regulate how much they charge.
It will require a scanner.
In most states, when a tenant has been lawfully evicted, the landlord has the right to remove the personal belongings of the former tenant from the rental property. Each state, however, has laws regarding what the landlord must do with that property after removing it. Some states require the landlord to keep belongings in storage for 30 days prior to disposing it - in this case the landlord has the right to collect the storage fees from the tenant before releasing the belongings - while other states, such as Florida, permit the landlord to dispose of the belongings as the landlord sees fit. In South Carolina, the landlord has to remove all property and place it on the curbside, where the tenant has 48 hours to retrieve them or they will be disposed of.
Yes, if he has died and you are not on the lease.
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.
Absolutely not. Your credit and your personal information are under your control only. If your employer is demanding such things, immediately file a complaint.
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.
Personal umbrella insurance coverage and costs vary by company. Most require that you carry a defined amount of liability on your car or home policy.