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Re: landlord liable if contractor has no insurance to tenants personal property?

Posted by TenantNet on July 16, 1997 at 18:11:03:

In Reply to: Re: landlord liable if contractor has no insurance to tenants personal property? posted by Mary on June 30, 1997 at 00:01:21:

: The owner has a tenant who wallowing in money, owns a fur coat, fine
china and silver, maybe some jewels, and a hotsy-totsy $30,000 car.
The tenant thinks that the landlord must pay insurance to cover the
riches of the tenant who can afford a $30,000 car but doesn't want to
shell out money for renter's insurance. Check with insurance
companies. They offer renter's insurace to be paid for by the
renter. When a renter chooses to own lavish expensive things,
then a landlord should not foot the bill for insurance for his'her

Oh brother...

It's not a question of who has what resources to pay for insurance,
it's a matter of legal obligation even if the tenant was Donald Trump.
This isn't class war.
The tenant pays rent for maintenance and the obligation of the owner
is to provide that maintenance. If the owner hires a shlock or
negligent repairperson, and the tenants' posessions are damaged,
then the owner is responsible. (it might depend on your local law).
It also depends on the facts of what exactly happened, which the original
poster cannot relate in such short space.

While it may be a good idea to have renters insurance, that should
not necessarily cover the negligence of a landlord's repairperson.

More ranting...

: As for question the poster asked? Why don't YOU take the contractor
to small claims court.

Simply because the tenant does not have standing to bring suit. The
tenant has "privity of contract" with the landlord, not with an outside

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