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Renters Insurance Requirements
Should apartment owners require tenants to have their own insurance coverage?
It is becoming more common for landlords to require tenants to have Renters insurance. It is often written into the lease agreement in many of the larger apartment communities. Tenant Homeowners, or Renters Insurance, is good for both owner and tenant;
Benefit to the Landlord:
- Adds a layer of protection to mitigate lawsuits involving tenant negligence
- Additional living expenses contained the Renters policy lessens the likelihood that you will need to provide temporary housing or reimburse expenses
- Reimburses your policy deductible when building damage is caused by tenant’s negligence
Benefit to the Tenant:
- Protects against loss of personal property due to fire, theft, vandalism or smoke
- Provides personal liability coverage worldwide
- Can be bundled with Automobile policy to reduce cost for both policies
Renters insurance is very affordable for most people with policies as low as $150/year. Your tenants can easily obtain a quote by calling us direct or completing a simple online quote request form at SheanerInsurance.com.
Additional information about benefits of requiring tenants to maintain Renters insurance can be found at https://www.landlordology.com/5-benefits-renters-insurance/
Sheaner Insurance Agency May 14th, 2017
Posted In: Business Insurance
Workers Compensation
Volunteers
Question:
Our nonprofit organization depends heavily on the services provided by volunteers. Do any of our insurance policies cover medical expenses if a volunteer is injured on the job? Will our liability policies defend us if a volunteer sues the organization because of the injury? Is the organization covered if we get sued for an accident caused by the volunteer?
Answer:
These are excellent questions. Board members and staff of nonprofit organizations are right to be concerned about taking care of their volunteers and protecting the organization from liability that might arise out of the services provided by the volunteers. We are privileged to serve several organizations such as yours and this question comes up frequently.
Sheaner Insurance Agency August 11th, 2015
Posted In: Business Insurance
What is an umbrella liability policy and why do I need one?
An umbrella liability policy is a relatively inexpensive way to purchase higher liability limits for you and your family, above and beyond the limits provided in homeowners and auto liability policies. In addition, most umbrella policies provide coverage for liability claims not covered by other policies, subject to a small self-insured retention. Umbrella policies got their name because they provide excess limits in increments of $1 million above more than one underlying policy. Any individual or couple seriously concerned about protecting family assets and earning power should consider an umbrella policy. Accidental tragedies resulting in multi-million dollar lawsuits are far too common to rely solely on basic policies.
Call or email for a Personal Umbrella quote or complete an application and fax to (888) 607-7154
This article was prepared and made available to your agent by the Independent Insurance Agents of Texas, which is solely responsible for its content. Please read your insurance policy. If there is any conflict between the information in this article and the actual terms and conditions of your policy, the terms and conditions of your policy will apply. The Independent Insurance Agents of Texas is a non-profit association of more than 1,500 insurance agencies in Texas, dedicated to helping its members succeed, in part by providing technical resources that explain insurance policies sold to their customers.
Sheaner Insurance Agency August 9th, 2015
Posted In: Business Insurance, Personal Insurance
Phone (214) 823-3003
Fax (888) 607-7154
2501 Abrams Rd., Dallas TX 75214
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