Re: Playground Liability - Landlord Forum thread

Re: Playground Liability by OK-LL on November 5, 2009 @14:22

Is your half of the backyard separated from theirs by a fence? You may want to put a child-proof latch on the fence just to CYA. Otherwise, your lease should include language that they indemnify you against any claims for injury to their child or guests which occur on the property (or on your adjacent property, if separately fenced) and you must insist they obtain renter's insurance, or you can simply include the cost of RI in your rent and offer it as a perk to the tenant. They have to sign the binder and you can get the policy written. That will cover you up to $100,000 and it's coverage well worth having. Then your homeowner's insurance will kick in, and after that any umbrella policy you have.

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