REQUIRING INSURANCE COVERAGE

Landlords may include clauses in a lease agreement that require tenants to obtain and maintain tenant insurance, also known as renter’s insurance.

Tenant insurance is not mandatory by law, but it is commonly recommended to protect a tenant’s personal belongings and provide liability coverage in case of accidents or damages.

Typically, a lease clause regarding tenant insurance might state that the tenant must obtain and maintain tenant insurance for the duration of the lease term and provide proof of insurance coverage to the landlord upon request. Landlords may also specify minimum coverage amounts.

It’s important to note that if such a clause is included in the lease, it must comply with the Residential Tenancies Act, 2006, and cannot require insurance coverage for anything that is the landlord’s responsibility under the law. Additionally, any clause that a landlord includes in a lease agreement must be clear, reasonable, and not in violation of tenants’ legal rights.

Tenants are encouraged to carefully review their lease agreements, including any clauses related to insurance, and seek clarification or legal advice if they have concerns or questions about the terms. Tenants who choose to obtain tenant insurance should keep their insurance policies up to date and provide the required proof of coverage to their landlords if it is a condition of their lease.

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