I moved out of my apartment, but am still on the lease, which extends for several months. I have "transferred" my renter's insurance policy to cover property and occurrences at my new apartment. This leaves me uncovered at the old place. Does this matter?
My old apartment remains occupied (in part) by my roommate, who caused me to move out. (Previously
.) I no longer have any personal property in the apartment, but as I understand it, I am jointly and severally liable for Bad Things which may occur in my old apartment. There are, of course, exclusions in my policy for intentional acts, etc.
I am hard-pressed to come up with a scenario involving a duty of mine, breach, causation and damages which would be an insurable risk here. But it's been an awful long time since I've worked through those crazy law school hypos.
With the transfer of my renter's policy to the new place, my insurance agent has confirmed that I am without coverage at the old place. I have an umbrella policy, but as I understand it, the umbrella insures now excludes Bad Things which would happen at the old place.
My gut tells me that this all is No Longer Important, but in the back of my mind I'm feeling like maybe this sort of stuff was covered in one of those Torts classes I slept through.
I am not looking for legal advice and I agree that nothing posted here will form an attorney-client relationship.