Rental Home Insurance

[rihornos]

The landlord wants me to pay his insurance for his apartment

First time I see something like that. This is always always on the landlord no excuses at all

 

[LuckyLuke]

Only in Argentina would a landlord ask a tenant to pay the insurance cost for the owners house. Years ago we had that same request in the argentina realtor provided contract. A line item stating for us to search the insurance policy and pay. It was a ridiculous request that we ignored for 4 years, including contract renewals. even though we were reminded every so often. I assumed it could not be enforced. Why would a landlord risk their property with the complications of a policy that is not in their name?

In US we landlords pay the insurance on our long term and short term rental properties, and simply have that as one of the many costs that are used to decide the lease price. Then I also remind the tenants that if they want their personal property to be insured they should get their own cheap insurance as a renter.

Only in Argentina will the owner require the tenant to pay for a fire policy and simultaneously provide no smoke detectors or fire extinguishers on site. I can't imagine how any insurer would honor a fire damage claim without such basic prevention measures in place, but here we are...

 

[tortuguita]

Hi! Hijacking to ask if anyone knows that FOR SURE that sq meters not declared in the municipal planos of property are covered by seguro de hogar (for example, a PH that has a quincho built later on the terraza). If I pay for insurance that includes the total sq meters of the quincho, does that *REALLY* cover the quincho?
When asking this question to the asesores for cotización they just keep repeating that it's the declared square meters that are covered but they won't explicitly acknowledge the municipal planos discrepancy. I'm skeptical enough of the concept of insurance in general + Argentina fine print that I'm worried down the line if I ever had to make a claim for the quincho, they would deny it based on the lack of regularización.

 

[LuckyLuke]

A sizeable portion of homeowners don't have any planos at all registered at the Municipality. I don't see what one has to do with the other. It's up to you to provide the insurance company with exactly what you want covered and for them to write a policy. You can even provide a layout and they can attach it as addendum if you want.

 

[tortuguita]

A sizeable portion of homeowners don't have any planos at all registered at the Municipality. I don't see what one has to do with the other. It's up to you to provide the insurance company with exactly what you want covered and for them to write a policy. You can even provide a layout and they can attach it as addendum if you want.

A very sizeable portion of homeowners don't pay for insurance either! Thank you, just hoping for some anecdotes about the claims process and if regularization is a factor.