My landlord says he doesn’t have insurance

Here’s the thing about rental insurance or landlord insurance. No, there is no law that requires landlord to carry a policy. Even if there was, the laws are clear that the landlord is required to be responsible for the property, but is not responsible for your belongings.

Do you have a renters insurance policy? That should cover you, of your auto insurance might pay form some of the liability.

Car and motorbike insurance plans isn’t really especially fascinating. Conditional upon which usually maintain yourr home is through, it could be a little and / or much larger part of your budget versus other people around state strains. What is the bare minimum for use on your state? I have found this site extremely helpful to analyze low-cost auto insurance. I’m sure very happy be here.

the Landlord is NOT responsible for your car, or any belongings you have. It is required for tenants to have their own insurance to protect your own items. HOWEVER, the Landlord is responsible for the house, in other words, the house must be built under safe conditions to rent. The landlord can have insurance to protect him with coverage or if not, him or herself at their cost. You can sue the landlord if: you got injury from the house that the landlord is responsible to fix or take of (not the case if you are responsible, like you need to mow the lawn), if you see bugs in the house, Rats, mold, dog bites, anything pertaining to the house that is a hazard. if you get injured, it REALLY DEPENDS on the situation. You can’t sue them because your reason is invaid, like I fell on the floor but the house is in a safe condition (more like it was your fault). but if you fell because the ice on the sidewalk was not removed for long periods of time, not when it happen after a rain storm last night, you then can sue.

for you car situation, it really depends and it might be hard to gain any money from this but you can screw the landlord over by mentioning how the house is a hazard or request an inspection. But keep in mine, if the house is red tagged, you may have to move onto another place.

Treat this more like a tree fell on your car. (because it was an unexpected event)