Tenant Relatives are not Insureds

June 10, 2014

 

Our insured has an HO6 policy and owns a second floor condo that he rents out to his in-laws at a reduced rate. The insured's mother-in-law left the bathroom sink running and it overflowed causing damage to the unit below.

 

Would the insured's mother-in-law be considered an insured under his policy? Would the actions of the tenant be covered under his homeowner's policy?

Massachusetts Subscriber

 

The mother-in-law is not an insured because the insured does not live there, he is renting the premises to them so they are tenants, not resident relatives. Therefore they are not members of his household; his household is where he is living. The homeowners policy provides coverage for the insured, not for tenants. The in-laws should have a tenants policy that would provide coverage for their liability.

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