- Jurisdiction
- Tennessee
We have rental properties in TN. and one tenant, without permission and in violation of the lease agreement, has a dog that bit a teenager. The short version is that my homeowner's insurance co. says that they won't pay any damages (if we were found liable) because we are not covered for liability. My policy, to me, looks like we do have liability. From my researching the company website shows that "basic rental dwelling insurance" includes liability. My agents been wishy-washy saying, it may have been removed in the past when houses were deleted, or that their insurance is sort of ala-cart (forgot exact wording) but no exact answer. Anyway, here is the contract. Sorry, kind of long and I didn't include some pages that were related to terrorism, aircraft, etc... Also, a few screen shots from their website.: