Is it endorsed for a tenant to emergency to be added to your contents insurance policy as an interested gathering?
My landlord is telling me that she requests to be added to me & my wife's contents insurance policy as an "interested party". I have serious doubts over this as I don't know if this then allows her to fashion claims on my policy without my intervention. I especially find this to be a dubious request as the property is also being manage by a property management company.
This question is for UK general public because I have been lead to understand that our laws within these areas are very different to mainland European and American laws.
Answers:
Your innkeeper should extend their buildings insurance to cover their contents in the home. Unless the terms of the lease state otherwise in that is no legal compulsion that they be added to your policy - please entry that this will have the effect of increasing the sums insured and thus the premium - so make sure that if you agree to this that your tenant pays a suitable proportion of the insurance premium.
If she has no property whatsoever, I mean not even a cup etc within the property then no she shouldnt be on the policy - if it is strictly contents and not buildings & contents.
Live in USA, but i'd say contact your insurance company and ask them.
if she can claim insurance on your property, are you going to give her claims to your time insurance policy? id check your insurance dealer. your property similar to clothing is yours. the house insurance is paid by the landlord unless you own these condos where you pay.
No, there is never a have need of to do that, unless you purchased your furniture from the landlord and he has a shelter interest in it.
If you rented the property furnished, he needs to provide his own insurance coverage for his property.
Although I'm a Yank, I lived within Europe and the UK for many years, and was a innkeeper in the UK for nearly 10 years. This is a totally off-the-wall request!
I would consider it is in her interest if the property is furnished or part furnished.
She would also have need of to be able to claim if there be a fire or flood,you wont have to give her the policy number, so she cant claim short you knowing.
If any of the above happened ,if she weren't on your policy who would pay for redecorate?
No it is not, the one and only people on your contents insurance should be you and your wife, they are your belongings.
The landlord have no right over your posses ions, he is well out of order. I`ve rented alot and hold never in my life hear of such a request or demand. I have also be a landlord in former times. Sounds to me like he`s trying to scam, speak to the property management company..
If the hotelier has any furniture etc in the house afterwards it is up to him to insure it not the tenant....
It is not essential to do this. Landlords have individual insurance that covers them and the original set up of the house (ie. any furniture they rent to you inside the house). I would not lower than any circumstances put her on the insurance.
If you have anymore concerns speak to the property management company or the citizens guidance bureau. Source(s): All my family work in property (ie. are landlords)
If the property is furnished, or part-furnished, afterwards yes. If you spill wine all over your rug and their sofa...
I don't know the full details of your situation, so have made assumptions.
Related Questions:
This question is for UK general public because I have been lead to understand that our laws within these areas are very different to mainland European and American laws.
Answers:
Your innkeeper should extend their buildings insurance to cover their contents in the home. Unless the terms of the lease state otherwise in that is no legal compulsion that they be added to your policy - please entry that this will have the effect of increasing the sums insured and thus the premium - so make sure that if you agree to this that your tenant pays a suitable proportion of the insurance premium.
If she has no property whatsoever, I mean not even a cup etc within the property then no she shouldnt be on the policy - if it is strictly contents and not buildings & contents.
Live in USA, but i'd say contact your insurance company and ask them.
if she can claim insurance on your property, are you going to give her claims to your time insurance policy? id check your insurance dealer. your property similar to clothing is yours. the house insurance is paid by the landlord unless you own these condos where you pay.
No, there is never a have need of to do that, unless you purchased your furniture from the landlord and he has a shelter interest in it.
If you rented the property furnished, he needs to provide his own insurance coverage for his property.
Although I'm a Yank, I lived within Europe and the UK for many years, and was a innkeeper in the UK for nearly 10 years. This is a totally off-the-wall request!
I would consider it is in her interest if the property is furnished or part furnished.
She would also have need of to be able to claim if there be a fire or flood,you wont have to give her the policy number, so she cant claim short you knowing.
If any of the above happened ,if she weren't on your policy who would pay for redecorate?
No it is not, the one and only people on your contents insurance should be you and your wife, they are your belongings.
The landlord have no right over your posses ions, he is well out of order. I`ve rented alot and hold never in my life hear of such a request or demand. I have also be a landlord in former times. Sounds to me like he`s trying to scam, speak to the property management company..
If the hotelier has any furniture etc in the house afterwards it is up to him to insure it not the tenant....
It is not essential to do this. Landlords have individual insurance that covers them and the original set up of the house (ie. any furniture they rent to you inside the house). I would not lower than any circumstances put her on the insurance.
If you have anymore concerns speak to the property management company or the citizens guidance bureau. Source(s): All my family work in property (ie. are landlords)
If the property is furnished, or part-furnished, afterwards yes. If you spill wine all over your rug and their sofa...
I don't know the full details of your situation, so have made assumptions.
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