投资房，租客在屋内受伤，如何负责？

yssn

突然想到这个问题，讨论一下。 这里指的是由于房屋本身的原因导致租客受伤。

比如说，由于你家后院地砖滑。雨天摔倒骨折。这时候房东要不要承担责任？在浴室内滑到呢？

我记得investor insurance里面好像有2个million的liability cover，是否cover以上的情况？？


谢谢

yssn

大家讨论一下

克赛前来拜访

房东负责，所以要买房东保险，里面包含这部分内容。

lifengj

应该就是你说的那个2M,好象是PUBLIC LIABILITY INSURANCE. 不过我还记得赔偿的情况有限制,好象是说是由于房子带来的CONDITION所造成的伤害,并且房客自己也要PERFORM REASONABLE CARE.

举个例子: 如果房子的GUTTER太旧,掉下来砸到了租客,这个INSURANCE就可以发挥作用了.但难道房客自己烧开水,倒的时候烫伤了也要我来赔啊?这不搞笑了.

[ 本帖最后由 lifengj 于 2010-10-11 14:53 编辑 ]

韬光养晦

原帖由 lifengj 于 2010-10-11 14:50 发表
应该就是你说的那个2M,好象是PUBLIC LIABILITY INSURANCE. 不过我还记得赔偿的情况有限制,好象是说是由于房子带来的CONDITION所造成的伤害,并且房客自己也要PERFORM REASONABLE CARE.

举个例子: 如果房子的GUTTER太 ...

B law 显示，只要受伤 就赔偿

yssn

嗯，那由于地砖滑摔倒了呢？

呵呵，这个有点太具体了，估计要问保险公司。

yssn

对，我想是这个：
来自ING的insurance PDS

We will cover

We will cover you for the amount you are
liable to pay for a liability claim as owner of the
building arising from an incident at your rental
property.

If your buildings are a total loss, we will cover you
for the amount you are liable to pay for a liability
claim arising from an incident at your rental
property for up to six months from the date your
buildings were destroyed.

If your buildings are a total loss, we will continue
liability cover for any amount you have to pay
as owner of the buildings for up to six months
from the date your buildings were destroyed.

you own part of the building that has been
subdivided.

The amount you have to pay because of any
defect in your contents if you have insured your
contents.

The amount you have to pay for damage to
property while it is in the car park if you provide
a car park for your tenant or their visitors to use.

================================================


We won’t cover

Any incident which does not occur at your
rental property.

This liability cover will cease on the earliest of
the following:

   1• the date that re-construction commences at
the rental property
   2• if you sell your rental property, the date
when risk passes to the purchaser; or
   3• the date you take out a new buildings
insurance Policy for your rental property.
   4• If you have only insured your contents we will
not cover you for any amount you have to pay
as owner of your buildings.

grace181

租客可以告房东的，这个就是为什么一定需要买PUBLIC LIABILITY INSURANCE. 甚至在你家门前摔了，也可以告。

这个推荐每个房东都要买来保险。 我们一套投资房后边的一套房子里住着个80多岁的独居老太，租房，因为这3套房都是连在一起的，我们特地去中介了解了那家房东是否有上PUBLIC LIABILITY INSURANCE.发现他没有，就让中介写了保证，否则老太太摔了门口， 3家都有责任