How can I find out who my landlorsds home insurance carrier is?
Saturday, March 6th, 2010 at
5:26 am
happyhaus asked:
How can I find out who my landlords home insurance carrier is
How can I find out who my landlords home insurance carrier is
Tagged with: Home Insurance • Insurance • Insurance Carrier
Filed under: Homeowners Insurance
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Ask your landlord… It really shouldn’t be any of your concern though, just as your rental insurance policy is not theirs.
Initate a suit against your landlord using your home insurance company. They will find out and place a claim against your landlord’s insurance company on your behalf. Otherwise sue your landlord in small claims court, or consult w/legal representation.
That’s personal information. If your landlord wants to tell you, that his option. But there is no other way to access this information without his permission.
If you have grounds for suit, your attorney or your insurance carrier will file against the landlord. Typically, he would turn such a thing over to his insurance carrier and let the two insurance carriers or the 2 attorneys battle it out. However, he does not have to turn it over to his insurance company!
You do not need to know who carries your landlord’s personal home owners insurance unless you have a claim to make against your landlord concerning his personal home. The only information you could need would be about the commercial insurance that he carries on the rental property which you are renting from him. The most important concern you have is that you have adequate renters insuance to cover your needs for coverage of your personal property and your liability. His personal home owners insurance affords you no protection, it just pays in the case that you have a loss due to his personal responsibilities as a property owner, not as a business owner. Your main concern about his commercial insurance is that he has coverage on the property and if you have a loss due to his commercial issues. Mostly, you have to worry about what is yours. Neither his personal insurance or his commercial insurance will cover you for the loss of your property (in most instances). His responsibilities for his commercial business are covered by his insurance. Renters insurance will cover your needs.
Did you have a loss that related to his personal residence? If not, you do not need his personal insurance information. Did you have a loss related to his commercial business? Is it a loss that is his responsibility or is it actually yours? There are specific details of what is his responsibility and what is your responsibilty.
You can’t. It’s private information. They might not even HAVE insurance.
And it doesn’t matter anyway, because YOU can’t file a claim with THEIR insurance. Their insurance won’t cover your stuff, either.
You’re going to have to go ahead and sue your landlord, for whatever the damages are.