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Renters insurance typically includes three types of coverage: Personal property, liability and additional living expenses. Personal property coverage can help pay to replace your belongings if theyre stolen or damaged by a covered risk.
5 Things You Probably Dont Know About Renters Insurance It Covers Displacement. It Covers Theft of Items Inside Outside of Your Home. Its Inexpensive. It Offers Liability Protection. Renters Insurance Covers You, Not the Unit.
Evicting a tenant Need to get rid of a nuisance tenant? You can issue him or her with a notice under either Section 8 or Section 21 of the Housing Act 1988. Section 8 notices can be served during an Assured Shorthold Tenancy lasting say six or 12 months.
As a landlord, youre not technically liable for nuisance tenants or occupiers of your property. However, you may be liable if youve allowed the tenants to cause the nuisance or if, when renting out your property, you were aware that nuisance was inevitable or almost certainly going to occur.
Your landlord is responsible for repairs to keep the property in good condition. Georgia law says that a landlord cannot make a tenant make or pay for repairs, unless that tenant, his/her family or guests caused the damage. For serious repair problems, local housing code departments can inspect for possible violations.
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Renters insurance does not cover: Sinkholes. Bed bugs and other pests. Damage to your car. Your roommates possessions.
New York is especially tough on landlords who permit nuisance behaviors, and in many cases, the landlord will be held liable for tenants that create nuisances such as harassing others, barking dogs, loud music, drugs and alcohol, litter, etc.
Renters insurance does not cover major weather events like earthquakes, landslides, sinkholes and floods. The policy also will not cover pest infestations (including bed bugs) or coverage for your roommates possessions if they arent a named insured on the policy.
The law is well settled that an out-of-possession landlord cannot be held liable for creating or maintaining a nuisance on the premises.
Homeowners insurance is for those who own their home or apartment, and it covers both their personal belongings and the structure of the home. Renters insurance is purchased by tenants, and it covers damage to or theft of their personal property, but not damage to the building itself.

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