XPost: can.internet.highspeed, can.legal   
   From: gwelsh@spamcop.net   
      
   On 05/07/2011 2:59 PM, Mike wrote:   
   > Tenants are not required to carry tenants’ insurance. This is true even   
   > if the lease clearly requires the tenant maintain valid insurance. The   
   > Residential Tenancies Act does not require tenant’s insurance, so it is   
   > not a legal requirement.   
   >   
   > The landlord can ask, but the Ontario RTA (Residential Tenancy Act) has   
   > no legal requirement for such. I do suggest a tenant insurance for fire   
   > etc. But I have never heard of a requirment for tenant liability. Sounds   
   > like if the balcony fails, and a tenant or their guests are injured, the   
   > landlord wants the tenant's insurance to cover it.   
      
   Surely you are not suggesting that nothing is permitted unless required   
   by law?!?  That would make the vast majority of clauses in millions of   
   contracts invalid!   
      
   As far as I know a contract is valid so long as it does not violate any   
   applicable law so, unless there is a law FORBIDDING requiring tenants to   
   have insurance, it's perfectly legal, valid, and binding to include the   
   requirement in a lease.  As with most contracts, if it isn't against the   
   law then you can choose to sign it, you can negotiate it, or you can   
   walk away.   
      
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