Why do landlords require renters insurance?
虽然租赁住宅政策涵盖了物业业主的建筑物本身,但 renters insurance pp王者电子官网范围包括租客的个人物品,并为某些类型的人身伤害或财产损失提供责任pp王者电子官网. 为房客购买个人财产pp王者电子官网是明智之举. 但是,除非房东要求,否则大多数租户不会购买.
What are the benefits of renters insurance?
Renters insurance helps protect the renter. 在许多情况下,房东所投保的pp王者电子官网只包括建筑物本身. Personal property loss or damage, caused by theft, 故意破坏财产或火灾通常不在房东的pp王者电子官网范围内. Without renters insurance, 租客可能要承担个人财产损失的经济负担.
A renters policy might:
- 如果你的物品,如自行车,笔记本电脑或电视丢失,被盗或损坏,赔偿你.
- 防止客人在租赁期间受伤的责任索赔.
- Cover your personal property, like your cell phone, clothes in a storage unit or laptop left in your car, regardless of where it's located.
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What are the benefits for landlords?
By requiring renters insurance, 由于火灾造成的财产损坏,房东可能会避免租户的责任索赔, or other covered losses. A tenant's rental insurance policy could help with:
Relocation expenses
A renters policy might cover the cost of temporary housing due to natural disasters or fires.
Protection against property damage
If a tenant's belongings are stolen, 那个房客可能会起诉房东未能保护他们的财产. However, 如果他们的租客pp王者电子官网包括他们丢失的物品的损失, 他们可能不太可能起诉房东要求赔偿损失.
Damage or injuries from pets
租赁pp王者电子官网政策可能有助于降低宠物对他人或他人财产造成损害或伤害的风险. 然而,如果你的宠物损坏了你的公寓,它可能不在你的租房政策的范围内.
Rental dwelling insurance premiums
租客的租客政策可能涵盖租客个人财产损失的费用, 对房东出租住宅政策的索赔可能会减少.
Screening potential tenants
Like a tenant's credit score, 要求租客提供pp王者电子官网证明可能是潜在租客按时支付租金能力的一个指标.
Is renters insurance required?
一般来说,法律不要求房客购买房客pp王者电子官网. Nonetheless, given its benefits to both landlords and tenants, 你的房东有权在把房子租给你之前要求你这样做. 房东可以在租约中加入这样的条款:“承租人必须在租约开始之日起14天内提供承租人的pp王者电子官网证明。.”
而房东则要求租客投保,以帮助将风险降到最低, 租客pp王者电子官网也有利于租客保护他们的财产和减少他们的风险. 这是一种帮助确保双方尊重财产的方法, keeping the rental in tip top shape.
如果你对租客pp王者电子官网持观望态度,并想了解 benefits, feel free to contact an insurance agent 帮助您解决您可能遇到的任何问题或疑虑.