If our landlord requires us to have renter’s insurance, must we provide the details of the policy or just proof of coverage?

Three of our neighbors have experienced break-ins over the past several months and our landlord is requiring them to pay for the damage to the units. His character makes me unwilling to provide the details of our insurance policy. Being that we are in compliance with his requirements, while we search for a new residence to call “home,” may we provide a censored version of our policy which would merely display the fact that we’re covered or would that be a breach of the requirements? Also, we seem to be the only ones required to have a policy. Previous/post tenants were never told to have one.

Asked on July 1, 2012 under Real Estate Law, California

Answers:

Cameron Norris, Esq. / Law Office of Gary W. Norris

Answered 8 years ago | Contributor

Proof of insurance is enough.  Renter's insurance doesn't cover damage to the structure like the window....it covers contents.  Its purpose is to insure your valuables.  Landlords like renter's insurance because it makes them avoid any liability that may occur due to their negligence in providing adequate security. 

Your landlord is not acting normally.  The renter's insurance policy isn't there for him, it's there for the renters.  He should have his own homeowner's policy to cover the damage.  I would show him proof of insurance (without any details) and contact the insurance company yourself and tell them not to accept a claim from him.  You may also want to contact the district attorney's office if he is attempting to commit insurance fraud. 

Find a new landlord as quick as possible and good luck.


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