There are many valid reasons why a person chooses to rent instead of purchasing a home. But even if the house deed is not in a person’s name, everyone who leases wants to feel as if it’s their little castle and that they are living like royalty.
A renter should be able to do anything they want in a rented place, as long as it falls within the boundaries of the rental agreement between themselves and their landlord. If a person is especially social, hosting parties that might include fun activities such as trampolines, pools, or inflatable bouncy houses, should not be an issue.
Liability for Accidents and Injuries
In reality your landlord legally has the obligation to make sure that your rented home remains safe for you and your guests. Before you rent party fixtures or set up children’s playground equipment in the yard, you should understand why your landlord may disallow some installations on their property.
Even if you have renter’s insurance, your landlord may still be held legally liable if you or one of your guests gets hurt on the party equipment. Because they own the house and the property, the landlord may have the ultimate responsibility when it comes to paying for any medical or legal expenses incurred because of the accident. With that, your home’s owner may want to avoid this financial and legal risk by barring you from having this equipment on the property.
Insurance Policy Exclusions
Your landlord could be the most fun-loving person and have an affinity for bounce houses just like you do. Their reluctance to allow the equipment on the property may not so much stem from their dislike of parties and desire to avoid legal liability, as it does from their insurance company’s exclusion of coverage for such fixtures.
Many homeowners and renter’s insurance policies alike refuse to cover accidents on such equipment, which is why so many landlords cannot legally allow trampolines and other similar structures to be set up on their properties. The landlord knows that their tenants are entitled to certain rights if they are injured on their property and want to avoid this happening. Think about it – if someone were to get hurt, your landlord would be left to pay the bill without being able to make a claim against his or her own homeowner’s insurance policy.
Your Rights as a Tenant
As the tenant you do have your own rights. You still might be in a position to either bypass the landlord’s rules or come to a compromise, depending on the state you live in and the lease that you signed. You could offer to provide reasonable compromises to ensure everyone’s safety at the party so that the liability for accidents will be greatly decreased.
One way to meet the landlord halfway could include erecting an above ground pool behind a fenced-in area, removing items like ladders that could allow young children access to the pool, or having your guests sign accident waivers prior to using the equipment. Keep in mind, though, you will probably never be able to sway your landlord to allow you to have a trampoline on the property – it’s one of the five main things that are never coveredby homeowner’s insurance.
Putting into place compromising measures may reduce the risk to your landlord and their insurance company. However, before you make an offer, you should first consult with a lawyer who specializes in renter’s rights and housing laws in your state. Your attorney can help you draw up a contract between you and your home’s owner to consider. This contract could deflect more personal responsibility for your guests onto you and away from the owner of your residence.
When you live in a rented home, you expect to be able to do whatever a person wishes to do in his abode. If hosting parties is something you do frequently, you may want to ensure that your plans for the events are in accordance with the terms that you and your landlord agreed upon. It is always important to keep relations between the lessee and lessor positive. By taking your landlord’s needs into consideration, you are proving that you are a responsible renter.
Nadine Swayne forwards this article to help renters gain knowledge of their rights. Choosing to rent over having a mortgage is a personal decision and understanding the legalities are in the best interest of both you and your landlord.
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