Insurance Question Results in MORE Threats re My Lease!!

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I merely asked about clarification about my lease per my insurance agent. I did NOT ask where to get insurance. I do not NEED to be told I’m “over reacting.” TWICE.

You’re overreacting again. There are other provisions of your lease that you should be more aware of and concerned about, specifically paragraph 12.”

Lease Threat AGAIN. Nuisance? WTF?

Lease Threat AGAIN. Nuisance? WTF?

WHAT? That’s the clause about being a “nuisance.”

HE IS THREATENING and HARASSING ME. AGAIN. NO evidence.

Repeated Threat he initially sent Sept 30, 2015. Threat Warning I Am Breaking Lease re Harassment.

I’ve been a virtual home prisoner. I have not spoken to anyone other than Alison and a nice hello to Steve.

What is he talking about?

A nuisance to whom? HIM because I contacted the City about the smoke detector, illegal leaf blowers and illegal water waste.

I STILL do not have an answer to my question. HE is NOT a professional. STOP treating me like I’m 3 years old.

STOP JUDGING ME. WHO is ‘over reacting’?

From: Jenny Lens
Sent: Sunday, October 25, 2015 5:34 PM
To: RHB BLDG6
Subject: Urgently need Insurance clarification Lease Item #18

Ross,

I am looking into apt insurance, due to predicted El Nino. My insurance agent said following line was “overly broad.” I was told to ask:

“Liquid-filled furniture shall be accepted only with proof of $100,000 Insurance.”

Is this:
$100,00 “Personal Liability” ?

No, I am not getting a waterbed. They need to be sure I’m covered per lease.

Thank you,
Jenny Lens #18

From: RHB BLDG6
Subject: RE: Urgently need Insurance clarification Lease Item #18
Date: October 25, 2015 7:42:15 PM PDT
To: Jenny Lens

You’re probably over reacting about El Nino. The owner’s property damage insurance covers the bldg and common areas against various losses.

For tenants, it’s called “renters insurance”; it typically covers your unit’s contents against loss by various means, including theft, water, fire, etc. We recommend all tenants carry this insurance.

The $100k would cover owner’s loss due to a water bed accident (flooding); it’s defined as property damage by tenant.

I’d suggest you call a local State Farm agent or any reputable carrier’s agent to discuss your situation and get a quote; it’s not too expensive depending on valuation of your business equipment (if any) & personal items.

Ross Gentry
RHB Management Company

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From: RHB BLDG6
Subject: RE: I STILL NEED TO KNOW Urgently need Insurance clarification Lease Item #18
Date: October 26, 2015 11:25:55 AM PDT
To: Jenny Lens

You’re overreacting again. There are other provisions of your lease that you should be more aware of and concerned about, specifically paragraph 12.

Frankly, it’s immaterial unless you intend to place a waterbed in you unit which we won’t allow unless you provide “proof” of insurance. And your initial email stated, “No, I’m not getting a waterbed”.

Tell the “reputable” agent this coverage is required “only” if we allow you to place a waterbed in the unit.

You don’t need this “endorsement” to a renter’s insurance policy.

Ross Gentry
RHB Management Company

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From: Jenny Lens
Sent: Sunday, October 25, 2015 7:59 PM
To: RHB BLDG6
Subject: I STILL NEED TO KNOW Urgently need Insurance clarification Lease Item #18

I did all that. I was told BY a reputable INSURANCE AGENT, the statement was overly broad.

I need to find out if it’s “Personal Liability.”

I’ve had Renter’s Insurance many times in my life. However, I don’t recall other leases with that statement.

You don’t want me contacting the office. But to get the insurance, I MUST KNOW what that statement requires.

thank you,
Jenny Lens

NO ANSWER. Still waiting.

Author: anat

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