Massachusetts Sample Letter for Request to Include Landlord in Tenant's Liability Insurance
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FAQ
You must provide habitable apartments and common areas for the entire tenancy in accordance with the minimum standards of the State Sanitary Code which seeks to protect the health, safety, and well-being of your tenants and the general public.
The short answer is yes. A landlord in Massachusetts can require a renter to obtain renter's insurance. Having said this, a landlord can reasonably require a tenant to purchase such insurance with sufficient coverage.
Homeowners insurance will not cover a dwelling that is not occupied by its owner, which is why you need landlord insurance. Core coverages of landlord insurance are property damage, rental income lost due to a property's temporary inhabitability, and liability protection.
Tenants' liability insurance can help cover the costs of any accidental damage to your landlord's property and belongings that you're liable for as part of your tenancy agreement. For example, things like: Fixtures and fittings.
There's no legal requirement for buildings insurance, although it's a good idea for landlords to have it in place to protect not only their tenants but also their investment. Your landlord might have buildings insurance as a condition of an outstanding mortgage.
Why do I need landlord insurance? There's no legal obligation for you to have landlord insurance, but most buy-to-let mortgages come with the condition that you have it. Being a landlord comes with risks that you don't have when you live in your own home.
However, renters insurance would cover the damage to everything the tenants own up to the policy's limit. Liability coverage is another great reason why renters insurance is so important. Liability coverage protects tenants against people who claim to have been injured near or on the property.
Updated: October 2019. Personal liability coverage is part of a standard renters insurance policy. It may help pay for another person's medical bills or repairs to their property if you're found legally responsible for their injuries or property damage.
When writing to your landlord, be specific in describing the problems you are having. Do not exaggerate or under-emphasize the extent of the problem. The landlord may show this letter to a judge if your problem is ever litigated.
Tenants' liability insurance isn't required by law in the UK. However, there are many landlords who will insist on you having tenants' liability cover when you sign a rental agreement, especially if they're leasing a furnished home.
