Tenants paint, mount televisions, add shelving and sometimes do considerably more. Who owns an improvement, and who insures it, is a question worth settling in the lease rather than after a fire.
Tenant improvements attach to your building. Whether your policy values them is a separate matter.
Three things about changes you did not make.
Fixed alterations a tenant makes generally attach to the property, which means they are yours at the end of the tenancy. Whether your dwelling limit reflects them is another matter entirely, and on a significant alteration the limit set before the work is now the wrong number.
Electrical or plumbing work done by a tenant without permits or a licensed contractor is a hazard in the building you own. If it causes a loss, the quality of that work becomes a live question, and the owner is the one holding the property.
Most disputes here are avoidable with a clause setting out what requires permission and what happens at the end of the tenancy. It costs nothing to include and it prevents the argument entirely.
The building as it is now, not as it was let.
If it has, the dwelling limit may need to move with it.
It affects both the risk and what a carrier will rebuild.
The cheapest way to avoid the whole discussion.
Tell us whether the property has been altered since you bought it.
We insure the building as it stands now, improvements included.
Request a quote