[RPPTL LandTen] Renters insurance issue

[Dennis Chen]

Harry,

That is common with mortgage lenders.  If you stop paying they will
purchase an insurance policy that only insures the lender's interest.  That
is fine in a mortgage situation because the borrower owns the house.  I
don't think it is appropriate in a residential landlord-tenant situation
because the tenant has no ownership interest in the property and the
landlord is just passing along their insurance cost to the tenant.

It seems to be an additional source of income for landlords.  My storage
space sent me a notice and started including a bill for something like
that.  I had to provide a copy of my homeowners insurance policy for them
to stop billing me.


Dennis A. Chen, Esq.
Chen Law Firm, PA
13360 W. Colonial Dr, Ste. 470
Winter Garden, Florida 34787
Tel:   (407) 392-1872
Fax: 1-866-571-3421
dennis at chenlaw.net

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On Tue, Mar 10, 2015 at 4:00 PM, Harry Heist <harry at evict.com> wrote:

> Here is a doozy.
>
>
>
> Apartment community wants tenant to purchase renter’s insurance (not just
> the cheapo contents insurance) This is the insurance that covers what a
> tenant may do to the premises. (usually fire/flood) I am seeing this
> particular form pop up all over.
>
>
>
> 1.      They require it and it is the type that covers liability for
> damage to landlord’s property (fire, flood)
>
> 2.      If the tenant does not get it or it lapses, they then charge the
> tenant $11 per month and they buy it from whoever they want and it insures
> the LANDLORD, not the tenant.
>
>
>
> This is way out of my league.  This is a landlord forcing a tenant to pay
> for insurance that does not even cover the tenant.
>
>
>
> See attached.
>
>
>
> Anyone really know their stuff on this?  I think I need to refer this out.
>
>
>
> Having a policy where another person/company is an additional insured is
> one thing and is totally common  but charging a person to buy insurance for
> another person/company when it does not even cover the person who is paying
> for it???
>
>
>
> Harry
>
>
>
>
>
>
>
>
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> * Email: **harry at evict.com* <harry at evict.com>
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