ORS § 90 § 90.527

Renter’s liability insurance in park.

In Force
Verified 10/26/2026 · Next check 11/2/2026
effective 10/7/2026OregonRenter Insurance Mandates

Operative Text

ORS § 90 § 90.527
(1) A landlord may require a tenant in a manufactured dwelling park to obtain and maintain renter’s liability insurance only if:

(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.
Source: Legislative text reproduced verbatim
Plain English

Oregon Revised Statutes § 90.527 sets out the conditions under which a landlord operating a manufactured dwelling park may require tenants to carry renter's liability insurance. The rule allows such a requirement only when specific procedural safeguards are met, including that the landlord carries comparable coverage and that required coverage does not exceed $100,000 per occurrence. The provision also lists several things a landlord is prohibited from doing, such as dictating which insurer a tenant must use, requiring the tenant to waive subrogation rights, or filing a claim against the tenant's policy except under narrowly defined circumstances.

Written by anthropic/claude-sonnet-4.6 · Reviewed on October 7, 2026

Plain English — not legal advice.

For Property Managers

Under ORS § 90.527, park operators who want to require renter's liability insurance must first ensure the requirement appears in both the park's statement of policy and the written rental agreement, and must themselves carry comparable liability insurance. Documentation of the landlord's own coverage must be posted in a common area or made available to tenants upon request. Compliant operators also limit required coverage to no more than $100,000 per occurrence, refrain from steering tenants to a specific insurer, and only file claims against a tenant's policy when the statutory conditions—such as the claim exceeding the security deposit and being for damages the tenant is legally liable for—are satisfied, providing the tenant a copy of any claim at the time it is filed.

General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.

For Tenants

ORS § 90.527 gives manufactured dwelling park tenants specific protections when a landlord imposes a renter's liability insurance requirement. A landlord who requires such insurance must carry comparable coverage themselves and make proof of that coverage available, and cannot force a tenant to use a particular insurer, waive subrogation rights, or grant the landlord any status beyond that of an interested party on the policy. Tenants who believe a landlord has imposed an insurance requirement that does not meet the conditions set out in § 90.527—or who receive a claim against their policy that appears to fall outside the permitted circumstances—may wish to consult a tenant-rights organization or Oregon's state housing resources to understand available options.

General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.

Generated October 7, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.

Effective Timeline

Current
Oct 7, 2026
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Related Rules

§ 90.222
Renter’s liability insurance.
§ 55.1-1206
Landlord may obtain certain insurance for tenant.

Source Information

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Fetched:Oct 26, 2026, 07:19 AM UTC