Apartment complexes here come with pools, grills and common areas. A tenant using them is covered by their own liability, not by the building owner’s, and the distinction is wider than it sounds.
The complex insures the complex. If your guest is hurt at the pool because of something you did, that is your claim.
Three things about shared amenities.
The complex insures the pool, the fence and its own responsibility for maintaining them. Your personal liability covers what you are responsible for: a guest you brought, a child you supervised, something you did. Tenants assume the pool being theirs to use means it is somebody else’s to insure, and only half of that is true.
Inviting friends to use the amenities makes you responsible in a way that simply living there does not. An injury to a guest is a liability claim against you, and the limit on a renters policy bought to satisfy a lease is usually the minimum one.
Fire from a balcony grill spreads to other units and the resulting claim can be enormous relative to the cause. Many complexes prohibit them for exactly this reason, and a prohibited activity is a difficult position to defend.
Liability sized for how you actually live there.
Raising it is a few dollars a year and it is the part that faces a real claim.
Guests change the exposure meaningfully.
Doing something banned by the lease is hard to defend afterwards.
Tell us what the lease requires and whether you use the shared amenities often.
We raise the liability past the lease minimum, which is set for them.
Request a quote