Why do I need Liability Insurance?
Because you are occupying property that is owned by someone else, the owner or manager may require that you have this insurance. They want to make sure that a claim or suit against you that may also name them is defended by a high quality insurance carrier. The insurer will pay on your behalf, within the policy limits, terms and conditions, any sum you are held legally liable to pay, including legal fees associated with defending you.
Even if the Property Owner or Manager does not require this as part of their Lease Agreement, it is still a smart choice to get this insurance protection. For a very low additional premium you can be protected against a potentially devastating financial loss in the thousands of dollars. Potential claims can come from the property owner for damage to their property, from other tenants or their families, from guests visiting you or even from the general public.
Your policy provides protection for your landlord against certain losses such as fire and smoke damage caused by your negligence. However, the policy cannot be modified to specifically show your landlord as an additional insured or interested party. However, we can issue an evidence of insurance letter with your landlord as an Interested Party, so they will be notified if your coverage is terminated.
Protect yourself and your family against large legal bills and possible big dollar liability resulting from your negligence or that of your family. You can do this with personal Liability Insurance at a very low cost. Order your policy today!
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