Landowner Liability
Landowner Liability
Renter’s Insurance Info
If you rent the place you live in, whether it is an apartment, condo, house or some other type of building, you need to have renters insurance New York (sometimes called HO-4 insurance). The property owner of the building or your landowner should have insurance on the dwelling itself.
As a renter it is your responsibility to insure your personal belongings. Renter’s insurance can also provide you with liability protection and pay for living expenses if there is some sort of disaster that would temporarily dislocate you from the rental property.
Your personal possessions are anything that belong to you such as clothes, furniture, electronics and other items that you have personally brought into the home. You are the one who is responsible to insure them against theft and damage. If bought and brought a home appliance into your rental home like a washer and dryer, then it is your responsibility to cover them under your rental insurance as well. You are responsible for insuring everything in the house that belongs to you, no matter who causes the loss.
You may also be responsible for liability insurance New York. You are generally responsible for most of the upkeep on the rental property, including making sure that walkways and sidewalks are cleared of snow, ice and debris. Unless your landlord is specifically responsible for the upkeep, you need to make sure you have liability coverage. If someone were to slip and fall on ice that is on the walkway in front of your rental home and your are responsibility for keeping them clear, then you are at fault and you are the one who could be sued for damages. This is why it is important to have liability insurance New York. So these are the things that you are responsible for insuring. Now we can discuss what you are not responsible insuring.
It is not your responsibility to insure the actual rental building (dwelling) or any appliances or furnishings that belong to your landlord. Those are your landlord’s responsibility to insure.
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In NY, does a prescriptive easement transfer with the sale of property? How many years of use to establish it?
If a road did not exist previously where a new development is created, can an adjacent landowner claim a prescriptive easement to that new road? Does the developer have any liability for not disclosing the potential use prior to the sale? The title search company?
These are questions you need to put to a NY real estate lawyer. Don’t look for accurate information here.
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