What does tenant insurance cover?
363550
Tenent's, or renter's, insurance covers all of you personal belongings up to the policy limits and subject to certain exclusions.  It give you theft coverage both on and off your premises.  It covers you for certain types of fraud.\n\nThe policy also provides you with liability coverage and contains a "guest medical" provision.  It will also pay for loss of use in case due to a covered loss, you home is unlivable and you have to live temporarily someplace else.
85592
renter's insurance covers the stuff in the apartment or house. The owner has homeowners insurance to cover the building only. What you are saying doesn't really make sense. I am almost positive you can't be forced to buy it.\n\nHere is a link to ohio landlord tenant law, in particular about renters insurance. You might peruse the site to find more info. \n\nhttp://www.ohiolandlordtenant.com/faq30.html\n\nThe problem is that he isn't evicting you. You do not usually need to renew a lease to stay someplace, there is usually a provision in the agreement that it simply defaults to month to month. So you might be able to not renew the lease and force him to evict you. At that point you might have more rights. Before you get to this point be sure you know the law. Don't just do it and then find out it wasn't the right course of action.\n\nYou should call a lawyer that specializes in landlord tenant law in your area and ask them a few free questions over the phone. If they wont let you ask a few questions for free then call another, someone will help you. They will know the law inside out.\n\nThe bottom line is if you are being screwed by the landlord, a court will side with you. This sounds like just such a case. Just talking to a lawyer and having them explain the law to you so you can call the landlord and tell them what you found will likely be enough. Landlords don't usually want to do the wrong theing they are just sometimes not up to speed on the law just like many tenants aren't. They try and do something that makes sense to them and don't realize it is wrong for them to do so.\n\nGood luck with your problem
246759
4 knowledge makes a good point.  What is your deductible?  Also most policies have coverage for the business property, but it may not have coverage for employee property.  Hopefully you have a local agent that can review your policy with you.  If not, here is a good directory: http://www.findlocalinsurance.com
110800
Check with your insurance company - it should be covered.
234634
Liability coverages in general cover damages you cause to others.  There is Property Damages (to property such as cars, houses, personal items, etc) and Bodily Injury (injuries caused to a person).  The minimums vary from state-to-state, but almost all states require at least these two to be carried on a policy.
137234
first obvious question is are u insured?
566289
Your homeowners' or renters' insurance will cover stolen personal property sometimes even if it is not at your home/apartment.\nVERY IMPORTANT:  There are two kinds of this insurance:\n\n1. Actual Cash Value\n2. Replacement Cost Coverage\n\nIf you want a new item, then you need to buy replacement cost coverage.  It will pay what ever it costs to replace it.\n\nIn an actual cash value policy, the insurance will only pay whatever the item was worth at the time....in other words the used price...not what it costs new.
535743
By getting a very large liability insurance policy because you are going to need it. Next best choice, talk with a good lawyer on how to insulate your company from liability claims.
927323
I am not sure on this one, but the best approach may be to ask the manager if the complex has insurance as a business that will cover the damage to the property as an act of God.\nThe property is owned by them, not you, so the damage to the apartment will definitely be covered. As far as your personal property like the tables, etc., you might be on your own. Mostly, people are expected to carry renter's insurance for their personal belongings. Good luck to you.
799184
Nobody will cover a pre existing condition.  The only insurance you'll find are for accidents and genuine emergencies.\n\nPay cash.
125387
There are laws made to protect the tenants from eveil landlords. Of which the good ones would follow by applying common sense anyway.\n\nHere is a link to get you started:\n\nhttp://www.law.cornell.edu/wex/index.php/Landlord-tenant
257810
I presume this is your property and you have hired the property manager to manage it for you.  You should look at the management agreement.  Most have an arbitration clause to prevent expensive lawsuits.  They probably also have a clause that exempts them except for gross negligence on their part.  (Which this might be.)  I suspect you have much stronger rights if you are a tenant of the building than an owner.
200907
renters or homeowners insurance.  also, get a rider for additional personal liability.
242252
1)collects rent\n2)fields tenant phone calls \n3)arranges for repair workers\n4)finds tenants and screens them\n5)arranges for the property to be cleaned and updated before renting back out\n6)charges a fee for their service that is equal to 7-10% of the monthly rent and 50% to get a new tenant in.\n7)provides itemized list to investor of all costs\n8)sometimes charges extra hidden fees like for faxes, paperwork, repair calls etc. (don't let em and don't do it depending on which side you are)\n9)if they are good they will inspect the property and do maintenance on a scheduled basis
726875
i work for a major insurer so think i can help...... poor workmanship is not covered.. its an exclusion on your policy.... its up to your insurers and the cover you have provided if they decide to cover the internal damage :-) If you have accidental damage cover on your policy, they usually will.. If the windows have been poorly installed... you should be looking to the window company to deal with both the windows and the resultant damage that the event has caused\n\nMaintenance issues are also a no no.... it is your responsiblity to make sure that your property is kept in reasonable condition.... if you think about it... if insurers covered maintenance issues... everyone would be ringing them to get their houses re-decorated etc..... thats not what insurance is for...... its for protection against unforeseen events... if you need more advice,,, drop me an e-mail
1097149
You must research your state's landlord tenant laws. Look for it on Findlaw.com some states require deposits be set up in an interest bearing account. At the time the tenant turns domicile over, all monies minus damages except natural wear and tear must be rendered in thirty days. But there is also a federal landlord tenant act.
944565
Please!  Like comparing apples to  . . . orangutans.  \n\nBlanket is a PROPERTY option, where you have one limit covering all your "stuff" on a commercial policy, at multiple locations.  It's really good when you shift "stuff" from one location to another - like different stores.  \n\nUmbrella is a LIABILITY policy, which offers an additional amount, in $1,000,000 increments OVER an existing policy, such as general liability or auto policy, if someone sues you for an injury.  \n\nUmbrella policies are straight liability coverage - they will NOT increase your property limits.  \n\nA property policy (with or without blanket endorsement) pays the insured.  A liability policy (such as umbrella) pays a third party.  An insured will NEVER collect under the umbrella policy.