--- title: Insurance responsibilities in terms of a Lease Agreement description: Here's a look at the various insurance responsibilities in a lease agreement. image: https://blog.rawson.co.za/hubfs/pexels-myburgh-roux-3081701.jpg --- [![Rawson Property Group logo](https://blog.rawson.co.za/hs-fs/hubfs/Rawson%20-June2017/image/logo-rawson-property-group-white-112x26.png?width=113&height=26&name=logo-rawson-property-group-white-112x26.png "Rawson Property Group logo")](https://www.rawson.co.za/) [![Rawson Property Group logo](https://blog.rawson.co.za/hs-fs/hubfs/Rawson%20-June2017/image/blog-logo.png?width=113&height=26&name=blog-logo.png "Rawson Property Group logo")](https://www.rawson.co.za/) [More Menu ](https://blog.rawson.co.za/insurance-responsibilities-in-terms-of-a-lease-agreement#footer) - [Blog](https://blog.rawson.co.za) - [Insurance responsibilities in terms of a Lease Agreement](https://blog.rawson.co.za/insurance-responsibilities-in-terms-of-a-lease-agreement) # Insurance responsibilities in terms of a Lease Agreement [Rentals](https://blog.rawson.co.za/topic/rentals) [![Share on Facebook](https://cdn2.hubspot.net/hub/251674/hubfs/1px.png?width=24&name=1px.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Fblog.rawson.co.za%2Finsurance-responsibilities-in-terms-of-a-lease-agreement%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on LinkedIn](https://cdn2.hubspot.net/hub/251674/hubfs/1px.png?width=24&name=1px.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblog.rawson.co.za%2Finsurance-responsibilities-in-terms-of-a-lease-agreement%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on Twitter](https://cdn2.hubspot.net/hub/251674/hubfs/1px.png?width=24&name=1px.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fblog.rawson.co.za%2Finsurance-responsibilities-in-terms-of-a-lease-agreement%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fblog.rawson.co.za%2Finsurance-responsibilities-in-terms-of-a-lease-agreement%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=Insurance%20responsibilities%20in%20terms%20of%20a%20Lease%20Agreement) [![Share on Pinterest](https://cdn2.hubspot.net/hub/251674/hubfs/1px.png?width=24&name=1px.png)](http://pinterest.com/pin/create/button/?url=https%3A%2F%2Fblog.rawson.co.za%2Finsurance-responsibilities-in-terms-of-a-lease-agreement%3Futm_medium%3Dsocial%26utm_source%3Dpinterest&media=http%3A%2F%2Fcdn1.hubspot.com%2Fhub%2F158015%2F305390_10100548508246879_837195_59275782_6882128_n.jpg) ![pexels-rdne-stock-project-7821913-1](https://blog.rawson.co.za/hs-fs/hubfs/pexels-rdne-stock-project-7821913-1.jpg?width=704&height=469&name=pexels-rdne-stock-project-7821913-1.jpg) *12 July 2023 * *Thinking about insurance can be a bit overwhelming, especially because it is usually associated with things going wrong. It is, however, so important to ensure that as a Landlord or Tenant you are covered in case a situation arises. A clear understanding ensures that all parties are adequately protected against unforeseen events. At Rawson Rentals, we prioritise educating our clients on these vital aspects to foster secure and harmonious rental relationships.* **It is the Landlord’s responsibility to insure the property**. This insurance protects the Landlord against accidental damage regarding any structural, plumbing, electrical and security aspects of the premises that were not caused directly by tenant negligence. For example, a burst geyser, a faulty electrical board, roof damage caused by extreme weather - all of these are the responsibility of the Landlord to repair and should be covered by their preferred insurance company. **It is the Tenant's responsibility to insure their contents** - what is brought into the property - by![pexels-max-rahubovskiy-6186812](https://blog.rawson.co.za/hs-fs/hubfs/pexels-max-rahubovskiy-6186812.jpg?width=292&height=404&name=pexels-max-rahubovskiy-6186812.jpg) way of personal content insurance. This is to ensure that if anything is damaged that belongs to the tenant, it can be repaired or replaced based on their insurance cover. For example, should any item belonging to the tenant be damaged due to a burst geyser or flooding caused by extreme weather, the tenant is able to put a claim in with their preferred insurance company to cover the damage or replacement of these items. **A question that we get a lot in the real estate industry is regarding responsibility when it comes to burglaries.** If we take the above into account, should a property experience a break in, it would therefore be for the account of the Landlord to repair any damage to windows, locks, doors or security gates as this falls in his realm of responsibility. Should any items belonging to the Tenant be damaged or stolen, it would be up to the Tenant to claim for these items under the cover of their preferred insurance company.  A legally sound Lease Agreement will always include a clause as to ensure that both the Landlord and Tenant acknowledge that they are required to have in place their own respective insurance in terms of the premises and contents of the premises. It is important that both parties are covered against potential loss or damage.  At Rawson Rentals, we understand the complexities involved in rental agreements and the paramount importance of adequate insurance coverage. Our team is dedicated to guiding both landlords and tenants through the intricacies of their insurance responsibilities, ensuring peace of mind and protection for all parties involved. ##### Look out for more articles in our Rawson Rentals Educational Series, aimed at sharing valuable insight into the rental experience from 40 years of expert knowledge of the rental market. For more information, email [marketing@rawsonproperties.com](mailto:marketing@rawsonproperties.com) or visit [www.rawson.co.za](https://www.rawson.co.za/) for the latest market tips and industry news. ## Rawson Rentals Educational Series ### Leave a comment ### More Posts Jul 02, 2026 #### [Stock shortage puts Western Cape sellers in the driving seat](https://blog.rawson.co.za/stock-shortage-puts-western-cape-sellers-in-the-driving-seat) advice [![Share on Facebook](https://blog.rawson.co.za/hs-fs/hubfs/social-uploaded-images/Facebook%20Icons.png?width=24&name=Facebook%20Icons.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Fblog.rawson.co.za%2Finsurance-responsibilities-in-terms-of-a-lease-agreement%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on LinkedIn](https://blog.rawson.co.za/hs-fs/hubfs/social-uploaded-images/Linkedin%20Icon.png?width=24&name=Linkedin%20Icon.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblog.rawson.co.za%2Finsurance-responsibilities-in-terms-of-a-lease-agreement%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on Twitter](https://blog.rawson.co.za/hs-fs/hubfs/social-uploaded-images/Twitter.png?width=24&name=Twitter.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fblog.rawson.co.za%2Finsurance-responsibilities-in-terms-of-a-lease-agreement%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fblog.rawson.co.za%2Finsurance-responsibilities-in-terms-of-a-lease-agreement%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=Insurance%20responsibilities%20in%20terms%20of%20a%20Lease%20Agreement) May 28, 2026 #### [Rates increase by 25 basis points: What May’s MPC decision means for SA property](https://blog.rawson.co.za/rates-increase-by-25-basis-points-what-mays-mpc-decision-means-for-sa-property) [![Share on Facebook](https://blog.rawson.co.za/hs-fs/hubfs/social-uploaded-images/Facebook%20Icons.png?width=24&name=Facebook%20Icons.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Fblog.rawson.co.za%2Finsurance-responsibilities-in-terms-of-a-lease-agreement%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on LinkedIn](https://blog.rawson.co.za/hs-fs/hubfs/social-uploaded-images/Linkedin%20Icon.png?width=24&name=Linkedin%20Icon.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblog.rawson.co.za%2Finsurance-responsibilities-in-terms-of-a-lease-agreement%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on Twitter](https://blog.rawson.co.za/hs-fs/hubfs/social-uploaded-images/Twitter.png?width=24&name=Twitter.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fblog.rawson.co.za%2Finsurance-responsibilities-in-terms-of-a-lease-agreement%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fblog.rawson.co.za%2Finsurance-responsibilities-in-terms-of-a-lease-agreement%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=Insurance%20responsibilities%20in%20terms%20of%20a%20Lease%20Agreement) May 19, 2026 #### [Who’s fixing what? 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