Why are renters having to buy insurance liability to protect the landlord. Seems fraudulent to force the renter to pay protection for the landlord.
What is fraudulent about a renter having to buy insurance to cover the damage if the renter, through his/her own negligence, burns the house/apartment down, or floods the property with overflowing bathtub/sink, etc., etc., etc.?
If you the renter (or your guest) causes the damage, you are legally responsible for paying for damages/repairs - whether you have insurance or not. The requirement by your landlord that you buy an insurance policy to cover at least $100k of that is smart for both of you, since you probably don't have that amount of cash sitting around able to pay for damages if something were to happen.
Generally, a Texas landlord can include any number of restrictions or requirements in their lease for you to rent from them, and can charge any amount of rent, as long as you agree to it. The primary exceptions to that are that the landlord cannot be deceptive, discriminatory, or retaliatory. As long as the landlord is honest and treating everyone the same, the law generally provides that you are bound by the provisions in a lease you sign. If you don't like something in a lease, try to negotiate a change in the lease provision or refuse to sign the lease and go elsewhere.
Of course, the landlord does not have the right to change the provisions of the lease in the middle of a lease term without your consent. If that is what the landlord is trying to do, you absolutely have the right to say no to the change.
This answer is offered as a public service for general information only and may not be relied upon as legal advice.
If you were the landlord you would do the same. Not all renters are good tenants. Some damage the property, cause flooding, or cause fires. This insurance gives your landlord some level of assurance (through the "insurance") that he is covered. Without the insurance clause he would probably have to charge you a lot more in rent to protect himself. Not out of line in any manner that I see. I have to do the same thing for my landlord at my law office in Austin.
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