A landlord cannot legally buy a renters insurance policy in their tenant's name. However, they can require tenants to purchase a renters insurance policy in order to rent their property.
记得如山提醒大家所有房子的个人责任险提高到50万，再加100万美元的雨伞险。还提到过建筑物（Dwelling）保额（Limits of Liability）是25万，责任保额（Business Liability/Landlord Liability）是50万。 但那是指landlord insurance吧？
另外请问addendum里关于tenants insurance像这样写算thorough了吗？
Tenants Insurance Requirement: The Tenant acknowledges the importance of maintaining sufficient and active tenant's insurance including property damage insurance and liability insurance throughout the entire lease period. The Landlord must be listed as an additional interest on the insurance policy, with prompt updates for any changes. The Landlord shall not assume any responsibility for the safety or protection of the Tenant's personal belongings and the property damages and liability caused by the tenants. Failure to comply with this requirement results in the termination of the lease agreement.
前不久我那个遭火灾的condo收到fire department的incident report，里面investigation type 填的是intentional act. 实际情况是租客的四岁小男孩在二楼closet玩打火机，当时租客在楼下厨房做饭。租客当时应该也是这么和消防员说的，这种起火原因归为故意纵火是不是错了？保险公司会不会因为这个report上写的intention act拒赔？我如果自己去消防局或者让租客去消防局，可能让改成unintentional 吗？
看来消防局归类是对的了。
一般建议房客应该有renter's insurance，就是为了应付这种事情。renter's insurance有两部分：对房客财产的赔偿，(property damage insurance) 也包括帮助房客肇事对受害者的赔偿（liability insurance）。
房客的孩子纵火造成损失，房客的东西被烧掉了，保险根据property damage insurance赔偿；火把你的房子烧掉了，房客保险帮助房客向你赔偿（liability insurnace）。
如果你的房客没有renter's insurnace，那么你只好自己吃亏找自己的landlord insurance了。如果你的房子还是home owner insurance而不是landlord insurance，那么你的homeowner insurance可能拒赔，因为他们没有保你房客。
注意在赔保任何环节不要说谎，篡改着火原因是作假，否则保险一概拒赔。
我有landlord insurance，$1000 deductible, 已经file claim了. 因为是condo，所以HOA也有master insurance，但是master policy有$25000 deductible,adjuster具体的估算损失还没出来，但是说有可能超过25000，这样的话可能还的让HoA file master policy claim? 起火原因也早和HoA以及自己的insurance公司说了，只是看到fire report 上写的是故意行为，有点担心我的保险以及HOA的保险据赔。
另外问一下，如果房客不买renter insurance，我可以帮他们买吗？然后从租金里每月多收几十给他们交保费？
Can I buy renters insurance for my tenant?
A landlord cannot legally buy a renters insurance policy in their tenant's name. However, they can require tenants to purchase a renters insurance policy in order to rent their property.
https://www.policygenius.com/renters-insurance/can-i-buy-renters-insurance-for-my-tenant/
我看有些property management公司每个月多收取十来块钱，名目是renter insurance，应该就是这种吧。就是说可以房客向保险公司提出申请，保险公司承保后，然后我每月多收给他们交保费。
不要每个月多收钱帮他们付，多麻烦啊。
这种情况下让他们自己去买保险，估计很难。都是底层蓝领工人，干些刷油漆，换drywall，清洁工这些活，房客倒是都老实，交租及时。所以也不能因为他们没有保险就不租给他们。
记得如山提醒大家所有房子的个人责任险提高到50万，再加100万美元的雨伞险。还提到过建筑物（Dwelling）保额（Limits of Liability）是25万，责任保额（Business Liability/Landlord Liability）是50万。 但那是指landlord insurance吧？
另外请问addendum里关于tenants insurance像这样写算thorough了吗？
Tenants Insurance Requirement: The Tenant acknowledges the importance of maintaining sufficient and active tenant's insurance including property damage insurance and liability insurance throughout the entire lease period. The Landlord must be listed as an additional interest on the insurance policy, with prompt updates for any changes. The Landlord shall not assume any responsibility for the safety or protection of the Tenant's personal belongings and the property damages and liability caused by the tenants. Failure to comply with this requirement results in the termination of the lease agreement.
房客能够买renter's insurance就不错了，大概十几万的责任险，大事出不了，应该就行了，没有必要逼着人家这个那个，否则人家会讨厌你。
lease上面的东西，有一个条款就行了。具体条款写成什么样，那是律师的事情（规范模本都是律师写的），自己不要瞎发明。
做地主要做粗中有细就行了。，而不是lost in the weeds.