My mom lost her home in a tornado. She has homeowners ins for the contents and my sister lived there and had renters ins. Can my moms insurance agent ask for copies from my sisters ins?

  1. 21750 POINTS
    Jim WinklerPRO
    CEO/Owner, Winkler Financial Group, Houston, Texas
    That is a great question! There are a couple of reasons why your homeowner's insurance company would ask for your sister's renters policy. If your Sister filed a claim in conjunction with your Mom, your Mom's company would want to assess what would be covered under the terms of that policy, and what they would be responsible for under theirs. They may also be trying to determine who is responsible for paying for the temporary housing costs, and for how long that coverage extends under each policy. They may also be trying to determine if some household items were listed under both policies, and filed as claims by both Mom and your sister. Neither wants to pay for something that the other will, if they don't have to, you know? It's a pretty standard practice for insurance companies to communicate between themselves as much is as legally permitted, so that they can make the proper determinations on who is obligated to pay for what, and that payments are not duplicated. I would not worry too much about it. Thank you for asking, and I'm glad that neither your Mom or Sister were hurt - that is more important than any of their things.
    Answered on June 13, 2015
  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®PRO
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    The homeowner can make ownership of a tenant’s policy a requirement to lease the space that the homeowner owns. The homeowner’s property insurance company would probably not ask for evidence of insurance as the insurance company hasn’t any obligations concerning your personal property. The could be some very unusual situation where an insurance company might ask for liability insurance if the company felt that the tenant was a particularly dangerous man.
    Answered on June 16, 2015
  3. 1844 POINTS
    David W. ClausenPRO
    Chief Executive Officer, Coastal Homeowners Insurance Solutions, Rocky Point, NY 11778
    Good Question. In my experience, it is usually the landlord that requests evidence of insurance from the tenant and not the actual insurance company. The landlord can make it a lease requirement that the tenant maintain and prove insurance on the space rented. Having said that, an insurance company can ask for whatever they would like but that doesn't mean you have to provide it unless contractually obligated by your lease. Hope this answer helps
    Answered on March 3, 2016
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