Real Estate Agent · Malden, MA · Member since 2019 · 50 posts · 13 votes
Hi,
I have tenant asking for a copy of home insurance. Tenant is saying their car insurance company requires them to have proof of home insurance for the home they live in so they can renew their car insurance. They park car on the street as their is no onsite parking. I have landlord insurance policy which does not cover any tenants belongings. I do not intend to cover any of their belongings. I find that the request by tenant is weird, not sure if I should give them the copy of my insurance. Any suggestion on if landlord should give tenants copy of home insurance?
I have tenant asking for a copy of home insurance. Tenant is saying their car insurance company requires them to have proof of home insurance for the home they live in so they can renew their car insurance. They park car on the street as their is no onsite parking. I have landlord insurance policy which does not cover any tenants belongings. I do not intend to cover any of their belongings. I find that the request by tenant is weird, not sure if I should give them the copy of my insurance. Any suggestion on if landlord should give tenants copy of home insurance?
Thanks,
Yuzi
Yuzi, your tenant is confused. The insurance carrier is asking for the Tenant's Homeowners policy (if they are home owners) or Renters insurance if they are renters. Your Landlord policy will not give them what they need.
Rental Property Investor · Boston, Massachusetts (MA) · Member since 2016 · 2k+ posts · 2k+ votes
2y
I haven’t heard of that and I’m struggling to come up with a legitimate reason it would be needed.
It sounds a bit like they might be trying to pass your homeowners insurance off as theirs to get a rate or worst case get their car on yours somehow? at the least they are trying to scam the insurance company to keeping their rate low?
I have tenant asking for a copy of home insurance. Tenant is saying their car insurance company requires them to have proof of home insurance for the home they live in so they can renew their car insurance. They park car on the street as their is no onsite parking. I have landlord insurance policy which does not cover any tenants belongings. I do not intend to cover any of their belongings. I find that the request by tenant is weird, not sure if I should give them the copy of my insurance. Any suggestion on if landlord should give tenants copy of home insurance?
Thanks,
Yuzi
We manage almost 300 doors and I've never heard of a request like this. I'd tell them to have their agent contact you directly.
I have tenant asking for a copy of home insurance. Tenant is saying their car insurance company requires them to have proof of home insurance for the home they live in so they can renew their car insurance. They park car on the street as their is no onsite parking. I have landlord insurance policy which does not cover any tenants belongings. I do not intend to cover any of their belongings. I find that the request by tenant is weird, not sure if I should give them the copy of my insurance. Any suggestion on if landlord should give tenants copy of home insurance?
Thanks,
Yuzi
Yuzi, your tenant is confused. The insurance carrier is asking for the Tenant's Homeowners policy (if they are home owners) or Renters insurance if they are renters. Your Landlord policy will not give them what they need.
Insurance Agent · Norwalk, CT · Member since 2016 · 2k+ posts · 1k+ votes
2y
Yuzi,
The confusion probably comes from their agent referring to a Homeowners policy. In the industry we know that a Condo Unit owners policy and a Renters policy are both types Homeowners policy forms. Outside the industry, people generally only use the term Homeowners for a policy for an owner occupied home.