Tenant Responsibility Rental Agreement Addendum Insurance: Fill & Download for Free

Yes! At least in most states, there's something called the "Bed Bug Addendum" that the tenant has to sign along with the rental lease.Some rental agreement leases signed between tenants and landlords have an addendum (or an addition) called the Bed Bug Addendum. The Bed Bug Addendum is part of the pest control section of the lease that lays down both the landlord’s and the tenant’s rights and responsibilities should a bed bug infestation occur.So, both the landlord and the tenant have an obligation to disclose a bed bug infestation.A new renter is not required to sign the bed bug addendum unless you’re certain of the absence of the pests. The addendum comes with strict rules, including agreements regarding pest control fees, attorney fees, not holding the landlord responsible for an infestation, confirmation of personal property insurance, etc.So, before they sign the rental agreement lease, the tenant can ask if the apartment has had bedbug infestations in the past. If yes, they can note this in their lease’s inventory form for future reference. They can have the property inspected before moving in. Additionally, the landlord can also have pest control experts to inspect the apartment once the renters start living there.

Which renter's insurance policies cover pet damage liability in California?I would agree with Ingrid Halvorsen’s post at least in part. Generally, pet damage to a home or apartment is not intended to be covered under a Renters Insurance Policy.I’m more interested in coverage for possible damage to a rental home, not personal injury. Most of the advice I can find is about medical payments for dog bites and large dogs or “banned” breeds, but I’m thinking about getting a cat, so that’s not relevant.Though the details of the question are a bit veiled, it seems you are concerned about damage a cat might cause to the apartment/home over time.There are a number of exclusions under the typical Renters Policy that can come into play regarding this type of pet damage to an apartment/home that you might rent.In addition, some companies will put a specific “animal/pet exclusion” on renters insurance policy because of this exposure and others related to liability hazards.For those reasons, it is common for landlords to include a “Pet Addendum” to the lease for the property. An example of that type of lease addendum is below:AnimalHumaneSociety .org - Sample Pet AgreementThose types of addendums also lead to the tenant paying a higher monthly rent and may also require a larger security deposit, because experience has shown that the responsibility falls on the tenant directly for this type of damage to the property.The exclusion language in an HO-4 Rental Insurance contract that can be pertinent to this type of loss includes:Property Damage - to property rented to, occupied or used by or in the care of the insured. (see above)Property Damage - which is “expected or intended” by an insuredContractual Liability - which relates to the use of the insured location (this exclusion would apply to a “Pet Addendum or Agreement” the tenant might enter into as mentioned above).State and individual company’s insurance policies can vary. It is important that you check with your specific agent and company.It can be reasonably suggested however that Renters Insurance does not intend to cover a continuous and repeated type of pet loss like you are seeking.Thanks for the A2A. Best regards.

It is possible! Renting out an apartment which you are leasing on short-term rental sites such as Airbnb is technically considered subletting. Some landlords aren’t too keen on allowing subleases, and some cities or states prohibit short-term rentals — so before you start listing your apartment, you should answer the following questions to make sure you’re not violating your lease agreement or breaking any laws!Does your lease agreement prohibit subletting?First things first, you’ll want to read over the entirety of your lease agreement. A lease agreement is a binding contract between you and your landlord. If you violate the contract, your landlord has the right to evict you and can even sue you for damages. Read your lease agreement carefully. Most include a clause about whether or not subletting is permitted. You may also want to look for any clauses that limit overnight guest stays.If your lease agreement clearly prohibits subletting, you might still be able to convince your landlord to allow it. If you’re a responsible tenant who always pays their rent on time and doesn’t cause any problems, your landlord may make an exception.Maybe you give them a percentage of the profits you make from Airbnb, pay a little extra in rent each month, or limit the number of nights a guest can stay. If you can work something out, make sure you get your landlord’s permission in writing. If possible, have an addendum attached to your existing lease agreement.Is short-term rental housing legal in your area?Some cities have taken a strong stance against allowing short-term rentals like Airbnb, so you’ll need to check your local laws as to whether or not you can legally rent out your apartment to temporary guests. Cities like Santa Monica have the most stringent restrictions, requiring Airbnb hosts to remain living on the property during the guests’ stay, register for a business license, and collect a 14% occupancy tax which has to be paid back to the city. You’ll need to research the zoning laws and regulations unique to your city before proceeding.Are you willing to accept full liability for your guests and the risks of hosting?This is a crucial question to ask yourself. If you’re leasing your apartment, you will be on the hook for any damage caused to the apartment by your guests — not your landlord. If you haven’t already, invest in renter’s insurance to protect yourself against injury claims made by your guests in addition to protecting your personal belongings. Finally, make sure you screen any potential guests thoroughly before allowing them to stay in your unit.