 Is home owner's insurance a requirement to have for a townhouse in California? |
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charlotte q | I rent out my condo. Should I inform my homeowners Ins. company? |
I rent my condo out furnished. I have fire and liability insurance,.
Do I need to inform my insurance co?
Does renting affect the policy? |
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mbrcatz
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Yes, you do - if you are insured under a "condo owners" policy, an HO6 form, you need to add landlord liability to the unit, and list it as tenant occupied. A condo has more flexability than a homeowners policy, and you CAN use the same policy form on a non-owner occupied property, that you use on an owner occupied property - you just have to properly identify it as such.
It will probably increase the premium by $12 a year - not a biggie.'
You do NOT list your tenant as additional insured - if he wants insurance, he can buy a renters policy, HO4 form. |
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John B
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do that now |
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ignoramus
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Definitely. If someone slips on a banana peel, who will they sue?
If you do not, it will feel like you are getting away with something. If there is ever a claim though, then you find out how thorough insurance investigators are before paying anything. They are likely to deny any liability if they did not know you were renting. |
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GrnEyedBandita
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There is a very inexpensive endorsement you can add to your condo policy that will cover you if one of your tenants get hurt on your property. Ultimetly you are the one responsible for everything, so it is in your best interest to advise your ins co. |
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Plain Jane
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Which is your question, you own a Condo and you are renting it out to someone else? or your renting a Condo from someone? |
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lm050254
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If the requirement for the policy is that has to be owner occupied, then you have to let the company know and they either will endorse the policy to cover a tenant or give you a new kind of policy |
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cinsingl83
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Your tenant may need to be listed as an additional insured on your policy. Also, rental property may be rated differently than residential property. If you bought your policy thru an agent contact them and explain your situation. They can help from there. Read your policy carefully. It may address rental of the property. Good luck. |
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