Legal Question in Real Estate Law in Florida

Re: Residental lease and insurance

It is not only possible, but extremely common and appropiate to add your landlord as an additional insured on your renter's insurance policy.

I find it very hard to believe that your insurance agent "has never heard of this request."

The reason why it is important for your landlord to be added as a "loss payee" or "additional insured" is very obvious. If the home is damaged by a covered loss under your policy, the Landlord wants to insure that your insurance, and not his, will be primary. ALSO, if you have company over the house, and someone is injured inside or around the home by say a common slip and fall type of tort, and they sue BOTH you and the owner (which is common), then your insurance will cover both your defense AND owner's.

All insurance carriers commonly add Landlord to the policy, in the same way they add the mortgage company who holds the note. It does not increase the cost of your premium and will not be difficult to obtain. Simply tell your insurance company to add the Landlord as an additional insured and they will, no questions asked.