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Answers (13)
- Lawrie Lawrence, "LAWRIE LAWRENCE"
- Contributions:413
I personally don't believe you could get a policy beyond renter insurance on the property. To obtain homeowners or property/dwelling insurance you would have to have an ownership of the property.
- sunnyview
- Contributions:25127
No way I would agree to pay for the homeowners insurance. You are responsible for renters insurance only at most. Your landlord either doesn't understand the difference or is trying to pull a fast one.
@ Mike sounds like that tenant was Keyser Soze here...as I recall he also had a thing for fire.
@ Mike sounds like that tenant was Keyser Soze here...as I recall he also had a thing for fire.
- Marco Gomez, "marcogomez46137763"
- Contributions:55
Generally renters only obtain renters insurance for their contents. I don't believe a landlord can force you to obtain a policy he should be getting for himself.
- Michael Emery, "MikeEmery"
- Contributions:7296
@ Hamp
Your candle comment is ironic (perhaps accurate) as a friend of mine who owned a duplex almost lost the house due to their tenant mishandling of a candle. What is more ironic is the tenant had cancelled their renters insurance just days before the fire. The landlords insurer told the now former tenant that they would be personally responsible for any out of pocket expenses - if not more. The tenant disappeared never to be seen again.
Your candle comment is ironic (perhaps accurate) as a friend of mine who owned a duplex almost lost the house due to their tenant mishandling of a candle. What is more ironic is the tenant had cancelled their renters insurance just days before the fire. The landlords insurer told the now former tenant that they would be personally responsible for any out of pocket expenses - if not more. The tenant disappeared never to be seen again.
- Hamp Yonce, "Zilluminati"
- Contributions:3463
I don't think so hpvanc! If it were, there wouldn't be a landlord on earth paying for their own insurance.
This has scamming idiot written all over it, to me. I would buy, or keep, my contents policy, and tell the landlord to bite me. I may go buy lots of candles, next.
This has scamming idiot written all over it, to me. I would buy, or keep, my contents policy, and tell the landlord to bite me. I may go buy lots of candles, next.
- hpvanc
- Contributions:2570
Just out of curiosity is it even possible for a renter to obtain dwelling insurance on the structure unless it is a leaseholder owned improvement?
- Tiffany Bond, "TiffanyBond"
- Contributions:3010
I think this is a legal question and you should ask an attorney or call a legal aid line in your area. Many things can be overwritten by contracts, I don't know if this falls into that category or not because I am not an attorney and cannot give legal advice. You also have a responsibility to read what you sign, even if someone tells you there are not changes. You may also want to look through the information provided by your state on landlord-tenant law (http://www.utcourts.gov/howto/landlord/).
- Tim Mellor, "utahtim"
- Contributions:216
Thanks for the clarification! This is strange indeed. If the owner has a mortgage, and the bank realizes that the owner has cancelled his insurance, the loan could be called due. If the tenant is getting the insurance, what stops you the tenant from raising the deductibles as high as they go and reducing the coverage? I don't think the owner thought this one through.
- shauna_gourley
- Contributions:2
Yes I have renters insurance at the property that also has liabilty coverage if someone was injured on the property. The landlord has cancelled her HO policy and is saying that I am responsible to get Dwelling coverage to cover her house.
Shauna
Shauna
- Amanda Thomas, "amandathomas"
- Contributions:177
@Tim -- Shauna explained that the contract originally read "renter's insurance", but amended it to say "dwelling insurance."
Shauna is asking if she is contractually obligated to fulfill on this since she signed it without realizing the change had taken place.
Shauna needs to reconnect with her landlord and clarify expectations.
She isn't asking whether or not renter's insurance is an advisable product.
Shauna is asking if she is contractually obligated to fulfill on this since she signed it without realizing the change had taken place.
Shauna needs to reconnect with her landlord and clarify expectations.
She isn't asking whether or not renter's insurance is an advisable product.
- wetdawgs
- Contributions:26802
Two individuals can agree to anything, but it is unusual for a landlord to have the renter responsible for insurance for the dwelling.
- Tim Mellor, "utahtim"
- Contributions:216
The landlord is requiring you to purchase renter's insurance for your benefit and protection (as well as hers). The cost is minimal and protects the value of all of your belongings. If the home you live in burnt down and you lost your place to live as well as all your belongings how quickly could you bounce back? I have this in my contracts as well, but don't really follow up with the tenants to confirm that they actually buy the renters insurance. But when and if they come to me to cover their furniture, I can show them that they agreed to purchase the insurance and I have no responsibility to replace their belongings. Purchasing renters insurance is a win win.
- Amanda Thomas, "amandathomas"
- Contributions:177
Hi Shauna,
Dwelling coverage is part of the homeowner's coverage that covers the cost of rebuilding /repairing the home in the event that it is damaged or suffers complete loss. Your landlord is probably confused.
You should have renter's insurance, and the landlord can require this of you.
She should have a landlord policy added to her homeowner's insurance.
These are 2 separate coverage concepts.
Dwelling coverage is part of the homeowner's coverage that covers the cost of rebuilding /repairing the home in the event that it is damaged or suffers complete loss. Your landlord is probably confused.
You should have renter's insurance, and the landlord can require this of you.
She should have a landlord policy added to her homeowner's insurance.
These are 2 separate coverage concepts.
Can my landloard require me to purchase and pay for dwelling insurance.
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