What are a tenant’s right regarding rental insurance requirements?

Get Legal Help Today

 Secured with SHA-256 Encryption

What are a tenant’s right regarding rental insurance requirements?

My landlord sent a lease renewal along with an insurance form requesting that they be named as “additional insured” on my my renter’s insurance. My insurance company will not allow the landlord as an “additional insured”. They also supplied the name of an insurance company who will allow this. Do I have to comply with their request and change insurance companies? Also, do I have to show them proof of my insurance?

Asked on August 8, 2011 New Jersey

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 10 years ago | Contributor

A landlord doesn't have to be a landlord; there is no law requiring people to rent out units or space. Since being a landlord and renting is therefore a voluntary act, a landlord may put essentially any requirements he wants on prospective tenants, with only a few, fairly well know, restrictions (e.g. no discrimination in housing based on race, sex, religion, disability, etc.). That means that a landlord may make it a condition of getting or renewing a lease that the tenant get renter's insurance, name the landlord as an additional insured, and provide proof of insurance. If the tenant doesn't want to do this, he or she would have to rent elsewhere.


IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

Get Legal Help Today

Find the right lawyer for your legal issue.

 Secured with SHA-256 Encryption