Oregon Statutes 90.527 – Renters liability insurance in park
(1) A landlord may require a tenant in a manufactured dwelling park to obtain and maintain renter’s liability insurance only if:
Terms Used In Oregon Statutes 90.527
- Conduct: means the commission of an act or the failure to act. See Oregon Statutes 90.100
- Damages: Money paid by defendants to successful plaintiffs in civil cases to compensate the plaintiffs for their injuries.
- Landlord: includes a person who is authorized by the owner, lessor or sublessor to manage the premises or to enter into a rental agreement. See Oregon Statutes 90.100
- Manufactured dwelling: includes an accessory building or structure. See Oregon Statutes 90.100
- Rental agreement: includes a lease. See Oregon Statutes 90.100
- Security deposit: means a refundable payment or deposit of money, however designated, the primary function of which is to secure the performance of a rental agreement or any part of a rental agreement. See Oregon Statutes 90.100
- Statement of policy: means the summary explanation of information and facility policies to be provided to prospective and existing tenants under ORS § 90. See Oregon Statutes 90.100
(a) The insurance requirement is in the park’s statement of policy and in the written rental agreement.
(b) The landlord obtains and maintains comparable liability insurance.
(c) Documentation, including a certificate of coverage, that shows the landlord’s insurance coverage is posted in a common area or delivered or made available to any tenant by request, orally or in writing.
(d) The amount of required coverage does not exceed $100,000 per occurrence.
(2) A landlord may require an applicant to:
(a) Provide documentation of renter’s liability insurance coverage before the tenancy begins.
(b) Name the landlord as an interested party on the tenant’s renter’s insurance policy authorizing the insurer to notify the landlord of:
(A) Cancellation or nonrenewal of the policy;
(B) Reduction of policy coverage; or
(C) Removal of the landlord as an interested party.
(c) Provide documentation on a periodic basis related to the coverage period of the renter’s liability insurance policy.
(3) A landlord may not:
(a) Require that a tenant obtain renter’s liability insurance from a particular insurer;
(b) Require that a tenant name the landlord as an additional insured or as having any special status on the tenant’s renter’s liability insurance policy other than as an interested party for the purposes described in subsection (2)(b) of this section;
(c) Require that a tenant waive the insurer’s subrogation rights; or
(d) Make a claim against the tenant’s renter’s liability insurance unless:
(A) The claim is for damages or costs for which the tenant is legally liable and not for damages or costs that result from ordinary wear and tear, acts of God or the conduct of the landlord;
(B) The claim is greater than any security deposit of the tenant; and
(C) The landlord provides a copy of the claim to the tenant contemporaneous with filing the claim with the insurer. [2021 c.260 § 11]