Can i set up a piano studio legally in a apartment im renting?

Question

I rent in a house on the second floor. I want to teach piano lessons there even though i live there. Do i have to have any special insurance in case of something happens?

The owner of the house should have homeowners insurance, right? Would that be fine enough?

thanks

Answer 1

The landlord's insurance rebuilds the outside of the building.  And the fixtures inside.  All of your personal stuff is not covered.  Not the piano.  Not your silverware.  The only thing a landlord might object to is:  what if a customer of yours slips on the stairs?  The landlord would get sued; not you.  I bet yo can work it out.

Answer 2

If the home is not paid for yet, the homeowner is required to carry mortgage insurance.  If it is paid for he is not required to have any insurance.  You as a renter should have renters insurance.  The homeowner has no liability for your things so if the place goes up in smoke, you would be totally out of luck when it came time to replace your things.  Private piano lessons might be one thing, but an active studio might not be within how the building is zoned.  Is it residential or commercial?  What does you rental agreement say about starting up a small business on the premises?  What about the noise level? The sounds surely will filter through teh floor to the space below you and could cause someone to file a noise complaint against you.

Answer 3

u can do that, my teacher does that all u need is to make paper work like wavers and payment stuff. But to be sure ask ur local authorites

Answer 4

You need to check your lease and local zoning laws.  

If people are coming to your home and giving you money for a service then, technically, you are running a business out of your home. This might be illegal in your area or might be a violation of your lease.  In either case, even if the homeowner has insurance, good luck getting the insurance company to pay up.

Answer 5

What you're talking about is called 'renter's insurance'.

If own the house, then you obviously have homeowner's insurance. This insures the STRUCTURE of the house. Renter's insurance is for CONTENTS only.

Like if you rent an apartment and it gets flooded, the insurance company pays for everything you had inside your apartment, but doesn't cover fixing the apartment itself (its not yours).

Renter's insurance usually covers damage (like a leaky roof or whatnot) as well as theft.

Answer 6

The biggest issue would be getting a business license to do this in the apartment.    The apartments are not likely zoned for business and will not have legal parking, etc that you need to run a business in your home.    The chamber of commerce will want documentation that the apartment managers are OK with this.