Georgia Buzzard
Can a Landlord Require Renters Insurance?
While not legally required by federal or state law, landlords can include renters insurance as a lease condition. Once a tenant signs the lease, they’re contractually obligated to obtain and maintain coverage. This protects both parties – landlords from liability and tenants from personal property loss or liability claims. Enforcement is valid if clearly stated in the lease, though mid-lease changes require tenant agreement. Renters should understand policy details and check local laws to ensure compliance.
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Georgia Buzzard
Who Is Covered Under Renters Insurance?
Renters insurance protects your belongings and provides liability coverage for accidents. It typically covers the policyholder and family members in the same household, but not roommates. Coverage includes personal property, liability, and additional living expenses, with exclusions like floods and pest damage.
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Georgia Buzzard
Renters Insurance 101: What It Covers and Why You Need It
Renting a home comes with its own set of responsibilities and risks. While your landlord likely has insurance to cover the building itself, that policy doesn’t extend to protect your personal belongings or provide liability coverage. That’s where renters insurance comes in. This essential policy can safeguard your valuables, shield you from liability, and give you peace of mind.
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