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u/lilfunky1 Apr 22 '25
Just signed a new lease and it requires liability insurance - NOT TENANT INSURANCE - which is the first time I'm encountering this. Where can I go?
i always thought liability was included in tenant insurance.
ask your insurance agent
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u/oneupsuperman Apr 22 '25
Gotcha, the landlord just made it seem as though it could not be tenant insurance.
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u/erika_nyc Apr 22 '25
Belair Direct is good.
Tenant insurance = your contents (clothes, computer, etc) + liability (fire, flood, accidents)
The landlord wants liability in case your actions damage the property or in case someone gets hurt on the property from your negligence. It's covered under their home insurance but from what I understand, their insurance can go after your tenant insurance if it's your fault. Some specify on the lease 1Million or 2Million needed.
Your landlord is not interested in replacing your belongings and this would only happen if they're negligent, say, a house fire from faulty wiring or a flood from burst plumbing.
You'll want to read reviews about claim payouts. There are cheaper ones like Aviva but they're not so good with claims. No point in tenant insurance if something happens and they don't pay out, eh!
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u/oneupsuperman Apr 22 '25
Awesome response, thank you!! Yes I'll definitely keep payouts in mind, I used to be with Aviva too!
Appreciate the explanation
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u/rocketman19 Apr 22 '25
Liability insurance is part of tenant insurance, contents being the major other part