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My lanlord is trying to say that we have to add them onto our renters insurance. It is in our lease to have renters insurance but not to have them covered as well…they want us to add the adress to all the places in our subdivision. Everytime I ask our landlord what is the purpose of adding them, she dodges the questions. They are now wanting to fine us if we don’t do what they want. I don’t know if anyone can help with this. I am fine with adding them if what they are doing is legal but I don’t wanna be scammed. Any advice or knowledge on this topic would be great!

10 Thoughts on Landlord is demanding us to add them to renters insurance?
  1. Reply
    TY
    February 28, 2014 at 3:50 am

    I have never heard of this, and in no way would I agree to name her or someone else’s assets onto your insurance plan. There are several advisable steps, and I’m not an expert so there may even be more. At the very least, I would request (in a polite/professional way) that they point out where in the lease you are required to cover them or other units you have NO relation with to your personal renter’s insurance. Second, I would ask your insurance company if this is common/legal and most importantly how would it affect the cost of your insurance plan. They are not going to agree to cover additional assets for free. I would also suggest contacting another insurance company or two that offers renter’s insurance and ask them.

    Since you are not a customer you might have to work a little more to get them to respond. If they push the issue and actually give you notice you’re fined, I would spend the money to contact a lawyer specializing in real estate. Even if the lawyer fee is a little more than the fine, you have to do it. The second you pay, the second they will try this on another tenant. I’ve never heard of a landlord asking other units be added to someone’s renter’s insurance. Seems absolutely absurd to me and I would never agree to that without doing all of the steps I mentioned. I would probably refuse to pay it regardless.

  2. Reply
    Go with the flow
    February 28, 2014 at 4:42 am

    You get your OWN renters insurance and thats IT.
    No one elses.
    Period – end of story.
    Don’t let people scam you. Are you that simple minded?

    If the landlord thinks you are that much of a dufus, I wonder how else he is using and scamming you. I wonder.
    He has your social security, address, etc.
    Is he getting your MAIL?
    Probably stealing your identity as we speak.
    To open cable, utilities, etc in your name.
    I have a feeling you don’t get your mail. If so, you have to fear this.

    Where the heck are your parents? Talk to them right now.

  3. Reply
    Heather
    February 28, 2014 at 5:37 am

    Your landlord is not an honest woman. If you add the address of all the places in your subdivision you will be paying for renters insurance for everyone. Her threat to fine you is a scare tactic. Tell her that you will report her to the police and local housing authority if she continues to harass you. I’m sure she does not want to be arrested or face fines from the city. You could also report her to the property management company. You may want to make plans to move when your lease expires.

  4. Reply
    Pascal the Gambler
    February 28, 2014 at 6:01 am

    Hell no. If your lease says you must have it, just prove you do. It wouldn’t make sense to add them anyway.

  5. Reply
    acermill
    February 28, 2014 at 6:16 am

    This request or demand is NOT a scam. Should you accedentally cause a fire which damages the landlord’s property (or similar), the landlord’s insurer will cover those damages. Guess what is next ? The landlord’s insurer will sue the tenant for such damage costs. Do you want to be protected against such or nor ?

  6. Reply
    David Z
    February 28, 2014 at 6:59 am

    ask to see the language in the lease you signed that requires you to add them on the insurance policy. She is trying to take advantage of you. tell her to take a hike.

  7. Reply
    A Hunch
    February 28, 2014 at 7:40 am

    It is 100% LEGAL and NOT A SCAM. It’s having the landlord as “additionally insured” EVERY commercial lease has this in it. Residential landlords have learned the value of this and have begun requesting it of their tenants. In 5 years, it will be part of every lease.

    Additionally insured means that landlords property is protected if the tenant does damage to the unit.
    – Here’s a question from yesterday:
    http://answers.yahoo.com/question/index;_ylt=Akk1jSTEPnc5VWJE3NqxG7EjzKIX;_ylv=3?qid=20121206192445AAyt9ea

    If the landlord had been “additionally insured” it would be completely a non-issue. The deductible would be paid, the house would be repaired and the tenant would not need to file bankruptcy.

  8. Reply
    KL
    February 28, 2014 at 7:54 am

    What they may want is to be added as an Additional Insured. This is completely normal. Your Agent can simply add it to your policy.

  9. Reply
    Insurance Pickle.com
    February 28, 2014 at 8:51 am

    Your lease is the governing document. If it says they can fine you, then they can. If it doesn’t, then they can’t.

  10. Reply
    mbrcatz
    February 28, 2014 at 9:14 am

    Ask her where it says that in the lease, just point it out. Then, bring the lease with that highlighted portion to your insurance agent, and let your insurance agent call the landlord and address this.

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