All Forum Posts by: Kandice Morgenstern

Does anyone have a good lease clause to outline responsibilities and expectations during mandatory evacuations? Evacuations due to wildfires are not uncommon in our area of California. Are the renters or the landlord expected to cover rent during the evacuation? My lease requires renter's insurance which should cover loss of use if the unit becomes damaged/uninhabitable, but I don't think renters insurance covers costs of living expenses incurred during just an evacuation. Any wisdom to share here?

Thank you!

Hello, 

I'm looking for an attorney and/or title company in the Montgomery, AL area that can help me close a seller finance deal. Thank you!

Kandice 

Hello,

My mother-in-law moved out of her primary residence and I am helping her rent it out. We need to switch from homeowner's insurance to landlord insurance. A couple questions:

1) She acquired this property through a conventional 20% down primary residence loan back in 2016. Could this switch in insurance (or more generally speaking, the switch from primary residence to rental property) affect the terms of her loan? We definitely don't want to be refinancing right now!

2) Is there anything more experienced readers would recommend to make sure you have included in your policy? Anything you wish you knew about insurance when you were starting out?

Thank you in advance!