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...

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UPDATED: Jan 29, 2012

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Insurance Question from Englishtown, NJ

Asked on 01/29/2012

HiI’m interested to know about the type of the insurance I need for covering my tenants living on my rental apartment, being insured of prosecutions. There's a tenant that lives at my apartment.In case of a health-harm that being caused to that tenant or one of his guests visit him,what kind of an insurance will protect and cover me?

Answer given on February 02, 2012

If you are a landlord, renting property to a tenant, you should have insurance for damages to the property as well as liability insurance coverage.The liability insurance will defend you if the tenant, or guests, claim they were injured due to your negligence. There has to be evidence of negligence on your part, not just if someone were to fall through no fault of your own. Your insurance agent should be able to provide you with the insurance you need and explain how it will protect you.In addition, you may want to ask your tenant to buy insurance for their personal property and liability. That way if they cause any damages or injuries to another party, their insurance will defend and pay for such losses rather than falling back on you and your insurance. Tenant insurance is not expensive and it will protect the tenants for damages to their property in the event of a fire or similar loss.


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