Renting a casita, a guest house or a converted suite attached to a family home is common here and it is not quite like renting an apartment. The arrangement is usually informal and the cover should not be.
A tenant in a guest house is still a tenant. Their belongings and liability are still their own.
Three things about renting part of somebody’s property.
Their homeowners or landlord policy covers their building and their liability. Your belongings, your liability and your cost of living elsewhere after a loss are entirely yours, exactly as in an apartment. The informality of the arrangement changes nothing about that.
A shared driveway, pool or garden means your guests are on property you do not control and the owner’s guests are near where you live. Where responsibility sits in an incident is less obvious than in a separate building, which is an argument for carrying a sensible liability limit rather than a minimum.
Many of these arrangements have no formal lease. A short written agreement covering rent, utilities, access and notice protects both sides, and it also makes any claim considerably simpler to settle.
Cover for an informal arrangement.
Furnished arrangements change the contents figure considerably.
Pool, drive and garden all raise liability questions.
Not required, and it helps everybody.
Tell us what the space is, whether it is furnished and what you share with the main house.
We write informal tenancies properly, because claims are not informal.
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