Dear [Landlord's Name], I hope this letter finds you well. I am writing to discuss an important matter regarding my tenancy in [Apartment/House Number] located at [Address]. As per our lease agreement, I understand the importance of having liability insurance to protect both myself and the property in case of any unforeseen events. I have recently reviewed my tenant's liability insurance policy, and it has come to my attention that it does not include coverage for damages that could potentially involve you, as the landlord. In order to ensure comprehensive protection for all parties involved, I kindly request that you be added as an additional insured to my policy. Including you as an additional insured on my policy will provide you with coverage in case of any liability claims arising from incidents that may occur on the premises. It is crucial for both of our peace of mind to have this extra layer of protection, not only for potential property damage but also for personal injuries sustained by any visitors or guests. Having you listed as an additional insured will in no way affect my responsibility as a tenant to maintain the required coverage and fulfill my obligations outlined in the lease? Rather, it serves as a proactive step to protect both parties in the unfortunate event of an unexpected incident. To make this process easier for you, I have already contacted my insurance provider, [Provider's Name], and discussed the possibility of adding you as an additional insured. They have assured me that adding you will not result in any additional charges or changes to the current policy terms and conditions. Please let me know your preferred method of receiving the necessary documentation outlining your inclusion in my tenant's liability insurance policy. Once I have your preferred contact information, I will ensure that the insurance provider sends the required amendments promptly. I believe that including you in my tenant's liability insurance policy is a sensible course of action for all parties involved. I greatly appreciate your cooperation in this matter and look forward to continuing our positive tenant-landlord relationship. Thank you for your attention to this request, and if you have any questions or concerns, please do not hesitate to reach out to me at [Your Phone Number] or [Your Email Address]. I am confident that by taking this step, we are ensuring a secure and worry-free tenancy. Sincerely, [Your Name] [Tenant's Address] [City, State, ZIP Code]
Oregon Sample Letter for Request to Include Landlord in Tenant's Liability Insurance
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How to fill out Oregon Sample Letter For Request To Include Landlord In Tenant's Liability Insurance?
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FAQ
Building insurance on a commercial property is arranged by the property owner. This could be the landlord or an owner-occupier. In the case of a rented property, the landlord might pass off the premiums to the tenant to pay as part of the rental contract.
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.
While renters insurance is not legally required in Portland or the state of Oregon, some landlords or management companies may require renters insurance as a condition for signing the lease. When applying for a residence, always be sure to double-check with the broker or landlord about renters insurance before signing.
Yes, Oregon Revised Statute (ORS) 90.222 allows a landlord to require you to have a renters insurance policy. Landlords are not allowed to require that they be named as an additional insured on the insurance policy.
Can tenants insure a landlord's building? In general, no, if you own the freehold of a property, the building itself is your asset to protect.
To write a letter of request, start by greeting the recipient with Dear, followed by the person's last name and title, or To Whom It May Concern. Then, briefly explain who you are and why you're writing in the 1st paragraph. Next, provide additional context and details about your request in the 2nd paragraph.
Dear (Name of landlord or manager), I am writing to request repairs to the (appliance, heating/air conditioning, plumbing issue be specific!) due to (reason for repair; this could include things such as broken handle, leaky sink hose, even normal wear-and-tear that would necessitate replacement).
The landlord must make sure that the building, out-buildings, and the grounds are clean and free of trash, rodents and bugs at the time the rental agreement commences. When the tenant moves in, the whole property should be safe inside and out and the place must be clean.
What to Include in a Letter to Your Landlorddetail the issue that you're experiencing in your rental (include pictures if helpful)propose a reasonable solution.mention possible consequences, such as health problems, a fire, or a burglary or assault, of not dealing with the issue promptly, and.More items...
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.
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