Pass the parcel

By KatnissEverdeen - 16/12/2021 14:01

Today, my fireplace caught fire. The landlord says renters insurance should cover it. The rental insurance says the landlord should. FML
I agree, your life sucks 974
You deserved it 63
Money Landlords Insurance Fire
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inkoseh 6
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Renters insurance covers your belongings from damage or theft. Actual property damage is your landlord problem and under his insurance.

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Bogrbon 27
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Exactly this. The landlord’s insurance generally won’t replace your things damaged in the fire. His insurance should pay for the structure and if he doesn’t have it, that’s on him.

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Comments

inkoseh 6
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Renters insurance covers your belongings from damage or theft. Actual property damage is your landlord problem and under his insurance.

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Bogrbon 27
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Exactly this. The landlord’s insurance generally won’t replace your things damaged in the fire. His insurance should pay for the structure and if he doesn’t have it, that’s on him.

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VintageReddress 12
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The other two commenters are right - if the fireplace caused structural damage, that’s your landlord’s responsibility. Sounds like you may have to either withhold rent until it’s fixed or take him to civil court.

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Wadlaen 23

But, isn't that sort of the meaning of fireplaces..?🤔

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Heli0Sphere 2

To catch on fire? That’s usually the wood.

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Heli0Sphere 2

To catch on fire? That’s usually the wood.

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OfficialMrD 3

(Im an insurance agent) renters insurance only covers your personal belongings. Its the landlords responsibility to cover anything that has to do with the property

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