CAN HOUSING COMPLEX MANAGEMENT DEMAND TO BE LISTED AS A THIRD PARTY IN PERSONAL LIABILITY INSURANCE AFTER A LEASE HAS BEEN SIGNED?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Oct 22, 2011

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Roswell, GA

Asked on 10/22/2011

CAN HOUSING COMPLEX MANAGEMENT DEMAND TO BE LISTED AS A THIRD PARTY IN PERSONAL LIABILITY INSURANCE AFTER A LEASE HAS BEEN SIGNED? MY HUSBAND AND I RECEIVED ON OUR DOOR KNOB THIS MORNING A LETTER STATING THAT WE WILL BE IN VIOLATION OF OUR LEASE AND CHARGED $150, IF THIS LAST MINUTE NEVER BEFORE MENTION STIPULATION NOT BE MET WITHIN SEVEN DAYS. THIS LETTER SEEMS SUSPICIOUS AS IT CAME ON THE HEELS OF A DEMAND FOR A NEW STOVE AFTER THE PRIOR ONE CAUGHT ON FIRE (IT WAS AN ELECTRIC STOVE AND THEY TRIED TO BLAME US FOR THE WIRING THAT WAS ON FIRE--AFTER 3 REPEATED ATTEMPTS AT REPAIR AND AVOIDANCE OF REPLACEMENT) !! THERE WERE ALSO COMPLAINTS OF OTHER STRUCTURAL PROBLEMS IN THE APARTMENT.

Answer given on October 27, 2011

Housing complexes have begun requesting proof of insurance for their tenants and do often request that they be named as additional insured for the liability portion of your insurance. The timing of the request from your landlord seems questionable, but it may be they realized they did not have this insurance requirement when reviewing the lease after the incidents in your unit. It is probably not a punitive action by the landlord.You should check your lease to see if the requirement is shown in the lease. If not, you should talk to your landlord. If this is a new requirement, I’m not sure they can change the lease in the middle of the term. However, it is generally very simple to add them as additional insured. Contact your insurance agent and explain what is being requested. Your insurance company should be able to comply with the request and there is usually no charge to you.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption