I get many inquiries about whether to be tenant must hire a home insurance or not, because as housing owned by another person questions about the type of insurance and guarantees to hire arise. You may think you must be the owner who hired the safe and that most risks affect him more to it, but there are situations that you should ensure tenant to avoid dealing with potential damage to other people with your heritage. For a bit more complicated it may seem that the landlord and tenant do if their insurance covers some repeat or overlap but this is not so, because depending on who is responsible for the accident will be one policy or the other to compensate. Let's see a simple way the main doubts and some reasons why you should be sure that if you are a tenant.
Is it mandatory to make a home insurance as a tenant? No, they can not force you. At present there is no law that forces you to buy insurance to be the tenant of a dwelling. They are your property and liabilities, and are free to think how best to manage it so that the only obligation comes from prudence and common sense. Can the landlord make me pay your home insurance? Neither can force you, is that other part of the negotiations for access to housing. Here the main danger is that the insurance is inclement and the homeowner is in a situation of not being covered by their responsibilities (see Liability Property as an example). Eye, not to be confused with the landlord asks you to rent as a condition that you have a safe.
Continent: You can secure for first risk capital to repair items that preclude the use of the dwelling. You do not own but you have a legitimate interest in being well and soon mend, to enjoy it in good condition. It is also possible to do renovations to your office in the house, and if you want to get it fixed in case of loss must notify your insurer or otherwise not to be covered.
Content: In the home furnishings business may be, but your belongings (furniture, appliances, clothing, jewelery, money and credit cards, appliances, etc..) Are not covered by your insurance. So everything that comes out of your pocket can lock in your respective policy. Keep in mind that as you spend more time in the same residence you go you accumulate more goods, review the insured value every so often.
Liability: Of vital importance and the main reason for this insurance. Both locative liability (for any damage you cause in the apartment) as family civil liability or head of household (for any damage you cause to third parties), are necessary to avoid liability for damages that were they caused low your responsibility to your own heritage.
Some examples of situations that may occur and so we strongly recommend that you do if you are tenant home insurance recommend.
1 - A fire caused by an electrical appliance or carelessness in the kitchen to be caused by the tenant the landlord's policy will not cover. No matter that only affects the rental unit or to be extended to other properties, the insurance owner will repair the damage but immediately afterwards you claim the entire amount.
2 - A leaky faucet that produces water damage in the house itself or in other neighboring dwellings. As in the previous case, any compensation to make the insurance claim you the owner later.
3 - An object crashing into the street and causing injury or damage to any passerby. Or have insurance, or you pay for repairing the damage caused to your pocket.
4 - A pet of your responsibility that causes injury or property damage to third parties. Similarly, or have insurance or you are at your expense account.
5 - A burglary in the dwelling, any of your belongings are not covered in home insurance owner.
6 - Should be damaged by fire, water damage, etc ... if you need legal assistance to claim the damages you have suffered and do not have insurance should afford your pocket.
7 - And an ugly case that the housing need of repair due to an accident and your landlord does not have insurance and also disengages the score (if you have to pay for home insurance, there is going to have to make arrangements you need).
Finally, if the owner has already done before insurance is necessary to confirm that reflected the new situation of use for rent, since prices and coverage vary. One possibility is that both latches are made with the same insurer, thus there will be no trouble identifying which company should repair. Instead doing this all gets in the hands of the same insurer and in case of any problems between the parties no amenities on the bargaining power of a figure only represents your interest.
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