Home claim – will he be covered under a regular home policy.
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UPDATED: Jun 28, 2010
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Insurance Question from East Matunuck, RI
Asked on 06/28/2010
Home claim – will he be covered under a regular home policy. my brother has his house insured as a a single family. He added a second kitchen in the basement and he lives there. He rents the upstairs. He never got the house re-zoned as a two family. If he filed a claim, would his insurance company cover him? Or does he have to have a landlord policy?
Answer given on July 11, 2010
The zoning of a home does not affect homeowner’s insurance. If your brother lives in the home, and rents a part of it out, it still qualifies for a homeowner policy, so the home would be covered if there is an insurable loss.
The homeowner policy also covers your brother’s personal property in the home. However, it does not cover the personal property of the people renting the other space. They need their own insurance to cover their belongings as well as their personal liability. A renters policy is available to them for this protection and it is very affordable.
It would be best if your brother advises his insurance agent of what he has done, just to be sure there is no special change needed on the homeowner policy.
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