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Do I need insurance if I have a waiver of liability from my landlord?

Updated

Even if your landlord’s tenancy agreement includes a waiver of liability, it’s important to have your own home/fire insurance for several reasons:

  1. Landlord’s coverage limitations: your landlord’s insurance typically covers damage to the property itself, not your personal belongings.

  2. Liability for neighbouring property: if an incident causes damage to neighbouring properties, such as a fire, your landlord’s insurance won’t cover these liabilities. Your own insurance will help protect you in these situations.