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Does home insurance cover damage to other people’s property?
My friend let me borrow their expensive weed wacker. I somehow managed to get it all tangled up and blew out the motor. I can’t really afford to cover it out of pocket. Will my home insurance cover damage to other people’s property?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no! While that’s incredibly unfortunate, you’re in luck! Home insurance will cover damage to other people’s property.
Most standard homeowners insurance policies cover up to $1,000 in replacement cost coverage if you damage the property of someone else. Typically, this coverage is under section two of your homeowners insurance with your
personal liability coverage
. Along with property damage, your personal liability covers any injuries that may occur on your property, along with legal protection if someone were to sue.
To ensure you have coverage for your friend’s weed wacker, you’ll want to reach out to your insurance company. An agent can confirm your coverage and give you more information on the next steps.
After you replace your friend’s weed wacker, consider taking some time to ensure you have the best insurance coverage for the best rate with
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and helps to cancel your old policy. Even better—Jerry will help you bundle your home and auto policies for maximum savings. View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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