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The owner or owner of the property is responsible for providing the Building Insurance, and requires a specific addendum to the Carriage Building Insurance – Owners Legal Liability Insurance. Owner is fully responsible for all garages even though he only has access to 1 of them himself. It’s rare, but on some occasions the outright owner of the property may not have access to any of the garages, but even in this case he would still have to provide them with insurance on behalf of the renter.
The lease/agreement is usually a 999 year Peppercorn lease, and it is usually specified in the deed that no ground rent is paid. The Owner may request a nominal contribution to the cost of the Carriage Building Insurance if he so desires. Typically, this would total around 20% of the total building insurance costs across all tenants. For example: if there were 2 garages for lease, the owner could request 10% of the total costs of building insurance for the garage from each tenant, which adds up to a 20% contribution. The percentage that a homeowner can ask for can vary slightly, but around 20% would be the norm. The homeowner should also be careful to eliminate additional insurance costs when calculating this contribution, such as the homeowner should not include their own costs for contents insurance or Home Emergency Coverage, but remember to include costs such as Property Tax. insurance premium (IPT) which is 6%. The policy provider will be able to help the policyholder break down these costs.
Garages also need specific garage contents insurance, and this is something many people overlook, assuming they can have any contents insurance, flat insurance is the most common mistake. This is not the case. If a renter started a fire that destroyed the building and the contents, the insurer would not pay to replace the contents of a garage if the policy is for an apartment. A building and contents garage insurance policy allows for events insured by a renter; non-garage policies do not allow it.
It is also beneficial to insure the contents and the buildings on a single policy; this would avoid 2 insurers, 2 claims, and 2 policy overages in most claim scenarios. Most fires damage the building and contents, most burglaries involve damage to the building as well as theft or damage to contents, leaking water can destroy carpets (contents insurance) and collapse ceilings.