Q: Can a landlord of a SFH require renters to get fire and extended coverage insurance, & personal liability insurance?
I'm looking over a lease for a single family home and it says that I have to purchase 3 different types of insurance to rent the house. Is this legal? It says I have to purchase:
1. fire and extended coverage insurance
2. personal liability insurance
I've included the pertinent portions of the lease below.
INSURANCE. During the term of this Lease, Tenant is required to maintain a policy of fire and extended coverage insurance insuring against the loss or damage or injury or destruction to any building or buildings and improvements now or hereafter erected on the Premises, resulting from any fire or from any hazard included in such extended coverage insurance, in an amount not less than the full insurable value of said building and improvements... Additionally, Tenant is required to purchase personal liability insurance. ..Tenant is urged to get their own insurance for losses to their personal property or injuries due to theft, fire, water damage, pipe leaks and the like.
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