General Discussion

soldierant

(9,348 posts)

25. IIRC from about 12 years of working P&C personal lines, auto and home,

Sun Sep 1, 2019, 07:28 PM

Sep 2019

all personal liability policies exclude coverage for intentional acts of the insured. A landlord getting shot collecting late rent would be assumed to be the result of an intentional act. The burden of proof would be on the insured to prove it was not intentional (if he r she could.) That, I'm confident, is why the coverage not expensive.

Intentionally shooting someone would be like setting fire to your own house, or murdering someone on whose life insurance you were a beneficiary. That is not what insurance is for (only what insurance fraud is for.)

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If Texas is going to deny the ability of landlords to prevent their [View all] avebury Sep 2019 OP

You will create criminals out of the poor. Bad idea. Joe941 Sep 2019 #1

It just goes to show ya ... mr_lebowski Sep 2019 #5

Nope. Free market. They can just go find a gun-humper landlord and live Maru Kitteh Sep 2019 #8

No criminal issue here. Landlord-tenant law is civil, not criminal. Shrike47 Sep 2019 #10

Then its worthless. People will just lie and say they don't have a gun... Joe941 Sep 2019 #12

OFFS. The old "criminals don't obey laws" NRA talking point. SunSeeker Sep 2019 #34

Thank you Pacifist Patriot Sep 2019 #41

Then they get evicted if they're caught. Just like what happens with any other lease violation. NYC Liberal Sep 2019 #63

Most renters couldn't afford that type of insurance virgogal Sep 2019 #2

The insurance requirement would pertain only to gun owners. avebury Sep 2019 #6

Yep. At this point, that's what we're left with. calimary Sep 2019 #40

Stockpiling guns isn't a cheap hobby happybird Sep 2019 #7

Most renters wouldn't need that kind of insurance. Shrike47 Sep 2019 #11

If I'm required to carry renters insurance (with liability) as a condition of renting this unit Jake Stern Sep 2019 #14

Do you have any idea sarisataka Sep 2019 #15

You do realise that the cost is related to the risk, right? VMA131Marine Sep 2019 #19

Yes I do understand risk sarisataka Sep 2019 #21

So for most gun owners, affording liability insurance shouldn't be a problem VMA131Marine Sep 2019 #23

I could definitely see background sarisataka Sep 2019 #29

Call it ammunition insurance instead VMA131Marine Sep 2019 #48

Most people don't own guns. nt SunSeeker Sep 2019 #35

That was exactly what I was thinking earlier this morning. I don't see how that could possibly be hlthe2b Sep 2019 #3

No need to offer insurance for "deaths secondary to the gun being stolen". NutmegYankee Sep 2019 #37

I'll just wait for the first landlord to get shot collecting late rent... Wounded Bear Sep 2019 #4

IIRC from about 12 years of working P&C personal lines, auto and home, soldierant Sep 2019 #25

The shooter wouldn't be the beneficiary, the victims would. Crunchy Frog Sep 2019 #30

Trust me - the insurance would not pay in that situation. soldierant Sep 2019 #32

Add a fee per weapon KT2000 Sep 2019 #9

Brilliant. aikoaiko Sep 2019 #13

I am not saying that they can't rent an apartment. avebury Sep 2019 #28

The law currently requires motorists to carry liability insurance when they operate a motor vehicle NoPasaran Sep 2019 #33

I'm missing something NotASurfer Sep 2019 #16

Because it's Texas. sinkingfeeling Sep 2019 #17

Texas sucks up to gun humpers Skittles Sep 2019 #18

Presumably because there isn't a Codeine Sep 2019 #20

Well regulated dogs? safeinOhio Sep 2019 #38

You did miss something sarisataka Sep 2019 #22

Gun do sometime act on there own Kaiserguy Sep 2019 #31

It is not impossible sarisataka Sep 2019 #36

Then EVERY gun owner needs to carry insurance not just renters. Talk about discrimination. nt UniteFightBack Sep 2019 #55

Another glitch here is Mr.Bill Sep 2019 #24

Have the NRA and gun orgs sell the insurance. keithbvadu2 Sep 2019 #26

IN a sane world all guns would be turned in and the deaths would stop. Eliot Rosewater Sep 2019 #27

There are real safety concerns for the landlord beyond the actual gun since guns require Vinca Sep 2019 #39

Ammunition in a fire doesn't explode like dynamite. aikoaiko Sep 2019 #45

Okay. So why are there reports every so often about firefighters being hindered fighting fires Vinca Sep 2019 #61

And what if the landlord is a gun humper storing ammo? No protection for that tenant right. UniteFightBack Sep 2019 #56

I'd go apartment hunting as soon as I learned the landlord kept explosive Vinca Sep 2019 #62

I will add this to my contract. Thank you cpamomfromtexas Sep 2019 #42

What other constitutional rights should landlords pintobean Sep 2019 #43

Stockpiling assault rifles in your apartment is not a constitutional right. nt SunSeeker Sep 2019 #44

The law doesn't mention "stockpiling" pintobean Sep 2019 #46

The 2nd Amendment doesn't mention "assault rifles," if you want to get pedantic. nt SunSeeker Sep 2019 #47

a landlord isn't the government treestar Sep 2019 #49

Renting property is a business. pintobean Sep 2019 #50

Your looking at it the wrong way Mosby Sep 2019 #57

Texas fixed that. pintobean Sep 2019 #58

It's going to result in litigation Mosby Sep 2019 #59

I understand your motive but what is the risk you are insuring against? If it is that the gun owner wasupaloopa Sep 2019 #51

How about if the landlord claims sincere religious beliefs? bitterross Sep 2019 #52

That would fly in Texas NotASurfer Sep 2019 #60

Why would a landlord be inspecting a tenants personal property? madville Sep 2019 #53

So only tenants who pay your mortgage should be required to carry insurance ...YEAH OK. nt UniteFightBack Sep 2019 #54

The NRA would LOVE THAT fescuerescue Sep 2019 #64

Shit - I think I'd get probably get out of the landlord business. calimary Sep 2019 #65