[RPPTL LandTen] Renters insurance

[Leonard Cabral]

What you are citing is Virginia code.  I had a PHA try to put in a similar clause in their lease.  Because it was subsidized housing I had it stricken because it added to the tenants rent violating the U.S. Housing act’s income to rent ratio.  The theory is that the insurance increased the rent which is calculated at 30% of income .  Adding any mandatory insurance violates the income to rent ratio.  I believe the same argument is true in section 8 housing.  I do remember doing some research and most of the companies that are trying this in Florida are shifting the landlord’s liability onto the tenant.
Leonard P. Cabral
Leonardcabral at lenslaw.com




From: landten-bounces at lists.flabarrpptl.org [mailto:landten-bounces at lists.flabarrpptl.org] On Behalf Of Harry Heist
Sent: Friday, June 05, 2015 2:09 PM
To: 'RPPTL Landlord Tenant Committee'
Subject: [RPPTL LandTen] Renters insurance

A big property management software company is giving this to their customers.

I have no experience in insurance law but:

1.       Can a landlord pay the premium for the insurance if the tenant fails to pay per the agreement?

2.        How do we know if their insurance is legal in Florida?

3.       Is an admin fee as seen in paragraph 5  ( I think they meant to say Lessor) legal?

4.       Note this is not even called renter’s insurance and does not cover any of the tenant’s personal property.

The whole thing smells funny.

The out of state software companies are trying to be a one stop shop and do not care what is legal or not.

Harry


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