justinbbert
New Member
- 5
I'm in one of those moods where I'm thinking about all these scenerios and the deeper I think about it, the more everything just doesn't make sense.
Say you're the building owner (in this case commercial lines) and you have a tenant in one of your commercial units. This tenant is carrying large equipment in and accidentally puts a large hole in your wall (which would be considered dwelling). The tenant only has BPP coverage. In this case, could the landlord technically ask the tenant to cover the building damage from their each occurence limit of 1MM for the property damage? BUT at the same time I do know there is a exclusion for premises and property owned, loaned, or rented but I thought this was only an exclusion under damages to rented premises/fire legal while my scenerio is more so if the tenant accidentally damages the dwelling.
I know there's also the easy "just put in a claim and see where it goes" but I'm genuinely interested in these what if scenerios.
On the flip side, say you rent out a house (single dwelling) to a tenant. The tenant is smoking and a piece of ash catches on the carpet and the whole house burns down. I was under the impression that the tenant can technically use their liability insurance to cover the repairs/reconstruction of the dwelling up to the liability amount (whether that is 100K, 300K, 500K, 1MM, etc.) as they were liabile for the damages caused. Again I know intentional damage is excluded on a DP policy so in this example, the housing catching on fire is strictly accidental.
I have been reading SO many websites about renters insurance and they all seem to be saying different answers when it comes to damage to the structure has a renter.
Say you're the building owner (in this case commercial lines) and you have a tenant in one of your commercial units. This tenant is carrying large equipment in and accidentally puts a large hole in your wall (which would be considered dwelling). The tenant only has BPP coverage. In this case, could the landlord technically ask the tenant to cover the building damage from their each occurence limit of 1MM for the property damage? BUT at the same time I do know there is a exclusion for premises and property owned, loaned, or rented but I thought this was only an exclusion under damages to rented premises/fire legal while my scenerio is more so if the tenant accidentally damages the dwelling.
I know there's also the easy "just put in a claim and see where it goes" but I'm genuinely interested in these what if scenerios.
On the flip side, say you rent out a house (single dwelling) to a tenant. The tenant is smoking and a piece of ash catches on the carpet and the whole house burns down. I was under the impression that the tenant can technically use their liability insurance to cover the repairs/reconstruction of the dwelling up to the liability amount (whether that is 100K, 300K, 500K, 1MM, etc.) as they were liabile for the damages caused. Again I know intentional damage is excluded on a DP policy so in this example, the housing catching on fire is strictly accidental.
I have been reading SO many websites about renters insurance and they all seem to be saying different answers when it comes to damage to the structure has a renter.