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I was denied renter’s insurance in PA due to the horrible condition of the building. The agent that inspected it wouldn’t even come in and denied it due to the roof, rotting wood, and shoddy brickwork. She tole me to get out as soon as possible for my own safety. I admit I was very inexperienced when looking and signing the lease. I was in a little bit of a hurry to find a place that allowed dogs. Once I had been there a while I realized the landlord was a crook after numerous problems that went uncorrected. I shouldn’t have rented in the first place but like I said, I didn’t really know what I was doing.
My point is the agent told me that I have a right to have my property insured and because I was denied insurance I could be released from the rest of my lease.
A family friend in WV is a lawyer so I asked a favor and he wrote my landlord a letter as a concerned citizen (he is not licensed in PA.) A week later he received an email from the landlord’s lawyer saying they would only let me out of one month’s payment if I leave 3 months early. I’m moving back home so it’s better than paying for the rest of the lease but I’d rather be able to just walk away without paying anything to this liar.

TL;DR Building is in horrible shape and I was denied renters insurance in PA. Does this release me from the remainder of my lease.

2 Thoughts on I was denied renter’s insurance in PA due to the condition of the building.?
  1. Reply
    StephenWeinstein
    October 23, 2011 at 11:25 pm

    A denial from one insurance company does not mean that you could not get the property insured. Another company might have been willing to insure it, so a single denial is not really proof that you cannot get insurance at all. You were denied the ability to use that one insurance company to get insurance; you were not denied the ability to get insurance.

    That being said, insurance is not the real issue.

    Most states, to varying degrees, have laws saying that a rental property must be safe, and that you can get out of a lease if the property is too dangerous for a human to live in it. In most cases, either (a) you ask the landlord to fix the problem and can get out of the lease only after the landlord refuses, or (b) you ask someone from the government to inspect the property, the government employee decides that the building is so bad that it is illegal for anyone to live there, the government kicks out all the tenants for their own safety, and then everyone is out of their leases. You need to research the procedure in the place where this building is. It is not the same everywhere.

  2. Reply
    mbrcatz
    October 24, 2011 at 12:04 am

    I think that your agent has no idea what they are talking about. You don’t have a “right” to having an insurance sell you property coverage. There is no such law in PA.

    The renters insurance is a completely separate deal from the lease. You’re probably not going to get out of that lease.

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