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Good evening. I am Loren, a licensed attorney, and I look forward to assisting you.
Do you have a written lease? Are these increases occuring when the lease terms expire? Are you in a rent controlled unit?
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Thank you for the additional information. I am sorry to hear of your dilemma. I realize how frustrating this is for you and I hope to provide you information which is accurate and useful, even though it may not be the news you were hoping to get.
Unfortunately, unless you are in a rent cotrolled unit or city, which you are not, the landlord and you are free to negotiate any terms you can agree to. The landlord is legally permitted to increase the rent to whatever the market will bear. Likewise, you are free to move when the lease expires and find another apartment.
I realize this is probably not the answer you were hoping to receive. Also, please remember that this is not necessarily a moral judgement on my part. As a professional, however, I am sometimes placed in the position of having to deliver news which is not favorable to a customer's legal position, but accurately reflects their position under the law. I hate it, but it happens and I only ask that you not penalize me with a bad or poor rating for having to deliver less than favorable news.
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It is not illegal to insist you carry insurance. Sorry. Do not be afraid to negotiate, though.
You are very welcome. If you have no further questions, and have not yet done so, please remember to leave a favorable rating (Excellent or Good) so that I am credited for assisting you. A bonus is not required, but is always appreciated.
Much appreciated. Good luck to you.