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Why do I have to make my landlord beneficiary on my homeowners insurance?
Landlord states that they are to be beneficiary on our policy, basically if not we will be served with an eviction notice. We live in a mobile home park in Clackamas so Ore. Can you please explain why it anything happened they would get what was ours. Thank you.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
There are a few different things that could be happening. If you currently have a homeowners policy on your mobile home but are renting it, your landlord wants to be a beneficiary because they own the home. A homeowners policy covers:
- Dwelling (the mobile home itself)
- Other structures (anything on the property, not attached to the home)
- Personal Property
Since they own the mobile home, your landlord would get a payout for any claims due to damage from a
covered peril
, although your landlord should have their own homeowners policy. That said, as a renter, you can get a renters policy, which only covers your personal property and liability.
A landlord shouldn’t be a beneficiary on a renters policy since what you’re insuring isn’t their property. However, they can request to be an interested party. When listed as an interested party, your landlord will be notified of any coverage changes or if you submit any claims. Most landlords request this to ensure a tenant holds renters insurance while living there.
Since your landlord is threatening eviction, check your lease agreement. You’ll want to confirm what you agreed to at signing. If your landlord didn’t specify you were required to get insurance or list them on your policy, they can’t legally evict you.
Even so, you’ll also want to be sure you have the proper insurance. If you are renting, you should only have a renters policy on the mobile home since you don’t own it and don’t have a right to receive any claim payouts from covered damage that may occur to it.
I hope this helps!
View full answer
- Gregory R.
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