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In most circumstances no.

The liability portion of the landlords insurance policy provides some protection for the landlord, but only if some neglect or other type of liability can be proven on the part of the landlord.

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12y ago
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14y ago

US state laws vary. If the injury was caused by something that the landlord was required to maintain/install/repair then in most cases, they will be held responsible. Example: State and federal law require buildings to have safety rail on both sides of staircases. If a tenant slips in a bathtub of rolls out of bed, a court will have to decide.

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12y ago

From what i read on the internet, some does and some don't. Best to call your insurance company to find out. If it does not, you should ask for the coverage for additional fees - if they do have it as an additional rider.

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Q: Does a landlords insurance cover a tenant who hurts themself on the property?
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Related questions

Why does a tenant need a certificate of insurance?

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.


What does landlords insurance cover?

Landlords Insurance covers the property owners interest in the property and structure. It doe snot cover the property nor the liabilities of the tenant. The extent of coverage provided is dependent on the options chosen by the insured.


What sort of situation would require landlords insurance?

Landlord's insurance would be necessary to protect the owners's property in the event of mishap but it would remain the responsibility of the tenant to cover their own belongings with tenant insurance.


Why should a tenant have insurance if the landlord has insurance?

You should have tenant insurance yourself because the landlords insurance only covers the damage to HIS PROPERTY, not yours. So I VERY HIGHLY suggest you get personal insurance if you want to replace damaged/stolen items.


What tenant property is exempt from a landlords lien?

personal


Is a landlord or his insurance carrier liable for damage to renter's commercial property loss of wages etc when a pipe freezes and bursts causing water damage to the renter's property?

No one is liable for an act of nature Presumably, The tenant signed a lease agreement. Most landlords specify in the lease agreement that the tenant purchase there own insurance to cover the tenants and the landlords interest in the property being leased. This clarifies for the tenant that they are responsible for their own property as well as liable for any un-repaired damages to the owners property.


How should I seek restitution from my ex landlord for mold damage to my personal property?

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.


Does the building owner s property insurance ever cover the tenant's personal property?

Landlords contents and communal contents may be insured, but it is very unlikely that the tenants personal items would be included on a general buildings policy.


What is the Landlord Tenant Act?

The Landlord Tenant Act is the rights and responsibilities of landlords and tenants. General obligation of tenants and landlords. It also governs the rental of commercial and residential property.


Why would a tenant purchase renter's insurance on an apartment?

Although landlords are bound to hold insurance over their properties, their main priority is the property itself. In a lot of cases there is a slight disregard to the tenant in unfortunate situations. For example, if there were a fire, the landlord's priority would be to ensure the building was repaired, it would then be down to the tenant themselves to deal with the issue of damaged or lost property, which would be covered by the renter's insurance,


Can landlord use home insurance claim if tenants wreck property?

If the tenant damages the property he is liable for such damages. The Landlord may or may not have his own insurance for this purpose but the tenant is liable. If the Tenant has his own insurance (Renter's Insurance) then the Tenant may file a claim and damages will be covered by that insurance.


Can a tenant sue the landlords home insurance for faulty fire codes?

No, but the tenant can report such a code violation to the municipal or county Code Enforcement Bureau.