ChatGPT Image Dec 21, 2025 at 11_46_28 AM.png
ChatGPT Image Dec 21, 2025 at 11_46_28 AM.png

Insurance and Liability Protection Bundle

$29.00

Maryland Residential Rental Properties

Fire damage, smoke loss, and high-risk activities are among the most expensive and disruptive events a landlord can face. The Insurance & Liability Protection Bundle provides Maryland landlords with professionally drafted addenda that clarify tenant insurance obligations and restrict activities that create elevated risk.

This bundle helps ensure that responsibility for losses is clearly documented and that tenants understand their role in preventing avoidable damage.

Maryland Residential Rental Properties

Fire damage, smoke loss, and high-risk activities are among the most expensive and disruptive events a landlord can face. The Insurance & Liability Protection Bundle provides Maryland landlords with professionally drafted addenda that clarify tenant insurance obligations and restrict activities that create elevated risk.

This bundle helps ensure that responsibility for losses is clearly documented and that tenants understand their role in preventing avoidable damage.

What This Bundle Covers

Renter’s Insurance Requirement & Disclosure Addendum

  • Disclosure that landlord insurance does not cover tenant property

  • Option to require renter’s insurance

  • Minimum liability coverage requirements (if elected)

  • Proof-of-coverage and lapse provisions

High-Risk Activities & Open Flame Addendum

  • Controls on candles, incense, space heaters, grills, and fire pits

  • Restrictions on open-flame and high-risk activities

  • Aquarium and water-feature limitations

  • Fire-safety and loss-prevention standards

  • Cost recovery and enforcement provisions

Why This Bundle Is Important

Insurance disputes and fire-related losses often turn on whether tenant responsibilities were clearly documented. Informal rules or assumptions provide little protection after a loss occurs.

This bundle helps landlords:

  • Document insurance expectations in writing

  • Reduce fire and loss exposure

  • Allocate responsibility for tenant-caused damage

  • Support insurance claims and enforcement actions

  • Maintain a clear, defensible lease file

Who Should Use This Bundle

This bundle is recommended for:

  • All residential rental properties

  • Properties with shared walls or balconies

  • Landlords concerned about fire risk or insurance gaps

  • Owners seeking stronger loss-prevention documentation

Format & Compatibility

  • Professionally drafted addenda

  • Designed for Maryland residential leases

  • Consistent with other operational addenda

  • Suitable for locked PDF distribution