Landlord wants to be on my renters insurance

[chris660]

What is the name of your state? Pennsylvania

I'm looking over a lease for a possible apt, and the following clause is stated in the lease:

INSURANCE: Landlord agrees to carry fire and liability insurance on building. Tenant's personal property is not insured under the Landlord's policy.

1) Tenant will carry his/her own fir and liability insurance to protect tenant, tenant's personal property, and his/her guests
2) Tenant agrees to list landlord as additional insured on any policy tenant purchases
3) Tenant will provide proof by documentation of listing of landlord as additional insured


I called my insurance, and they wouldn't allow this. They told me it was a major mistake to do this. What are the ramifications of doing this and why would the landlord require this?

Thanks for any advice

 

[Who's Liable?]

What is the name of your state? Pennsylvania

I'm looking over a lease for a possible apt, and the following clause is stated in the lease:

INSURANCE: Landlord agrees to carry fire and liability insurance on building. Tenant's personal property is not insured under the Landlord's policy.

1) Tenant will carry his/her own fir and liability insurance to protect tenant, tenant's personal property, and his/her guests
2) Tenant agrees to list landlord as additional insured on any policy tenant purchases
3) Tenant will provide proof by documentation of listing of landlord as additional insured


I called my insurance, and they wouldn't allow this. They told me it was a major mistake to do this. What are the ramifications of doing this and why would the landlord require this?

Thanks for any advice

LL could possible make a claim on your insurance, frivolous or not, thereby increasing your rates/canceling your policy. I would not do it.

It's an attempt by the LL to cover his a$$ should something happen to the unit which may or may not be your fault.