My house burnt down the homeowner did not have home owners he made me carry it. can i sue him?

  • by don35
  • Feb 23,2015
  • 9 answers

we were going to buy the house that burnt down. we had to cancel closing a couple times. he let us move in and pay rent. however he made us have homeowers insurance. which we did and paid for. now i dont know if the insurance company will cover or contents. if not can i sue the homeowner and the insurance company. homeower for making us carry homeowers and insurance company for making is pay for homeowners insurance that we shouldn't of carried


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Insurance Answers (9)

Bill 6 months ago

If you did not own the house you could not get a "Homeowners" policy only a "Renters" policy which covers your personal items but not the house.

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Willie 6 months ago

It wasn't your home then.

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Tavy 6 months ago

Have you phoned the Insurance company ?

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Casey Y 6 months ago

First, the situation you describe is totally legal; its called a triple net lease where the tenant is responsible for everything, insurance included. This is quite common.
Whether you bought a policy to pay for your contents is up to you...

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? 6 months ago

Phone the insurance company, obviously. If you had legal insurance on the house, then it should be fine. If you had renter's insurance, that's just your contents, not the house itself.
Be aware that this sounds very sketchy, so expect the insurance company to ask question and if suspicious, to have the fire dept. investigate arson.

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mbrcatz 6 months ago

Here in the USA, you can pay a lawyer a deposit, and sue anyone for anything you want. That doesn't mean you'll win.
What do you want to sue FOR? The HOUSE burning? Who caused the house to burn? Not the insurance company - you'll lose that lawsuit. Odds are, the landlord didn't cause it to burn, either. I don't think you'll win there, either.
The insurance company didn't "make" you pay for house insurance. You went to them, told them you wanted to insure YOUR house. If it wasn't your house, YOU committed insurance fraud. If you had a land contract, that gives you insurable interest in the house, and you're fine. If not, well, YOU committed fraud. You'll lose that suit.
The landlord, also, can't "make" you buy house insurance. Soooo . . . odds are, you're not going to win any of these lawsuits - but be prepared for the landlord to sue YOU, for burning down his house.

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KL 6 months ago

You paid rent therefore you were renter's. You should have purchased renter's insurance and that would have covered your belongings. You could not have purchased a homeowner's policy because you were not the legal homeowner. If you did then the policy is null and void and there was no coverage in effect.

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Steve D 6 months ago

No you cannot sue the landlord - you agreed to carry the insurance as part of the agreement to live there. However, you should have also carried renters insurance to cover your belongings. The insurance company is completely blameless - all they did was issue a valid policy on a house - it doesn't matter who pays for or carries the insurance.

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PmY 6 months ago

As a renter your house didn't burn down the homeowner's house burned down. How could he have made you get homeowner's insurance if anything you should have gotten renter's insurance. Homeowner's insurance is the responsibility of the person whose name is on the mortgage. Even if you signed a documents stating that you get the insurance it's not legal... it could have been included in your rent though, house is the lease worded.
How did the insurance company sell you a policy for a home you do not own?
What was the cause of the fire? Certain causes are not covered.
I'm willing to bet the homeowner has insurance and is collecting on the policy. Your belongings should have been covered under renter's insurance.
Items that are variables: insurance policy and rental agreement.
You need to contact an attorney.
I'm sure someone on here is gonna give you the feel good answer you are looking for but 'm pretty sure we don't have the details. Just contact a attorney.

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