Over a decade ago I had a friend who lived in rented house in a small California town. That house caught fire and burned – a total loss.
A few weeks later the landlord called my friend and asked him what insurance company he had used, as they needed to call them and get the $$ to rebuild the home.
My friend had to explain to them it was the *owner’s* responsibility to insure the building, not the renters. That house sat a burned out shell for years after that. I can only guess the landlord didn’t understand the basic rules of renting. If they had had a loan on it, the bank would have told them pretty quickly they had to have insurance.
I never would have believed this had I not talked to the guy personally. Strange things happen in this world.
