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Does homeowners insurance cover damage caused by renters?
I’m a landlord and my tenant just reported some damage to a wall. Does homeowners insurance cover damage caused by renters?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Sorry to hear about the damage! It’s unlikely that homeowners insurance covers this type of damage.
Homeowners insurance is intended to cover owner-occupied homes from
covered perils
like lightning strikes and vandalism. Renter damage is not usually covered under this policy, even if the damage was sudden and accidental. No homeowners policy will cover the renter’s personal belongings. For now, you will have to pay out-of-pocket to fix the wall.
If you have tenants, landlord insurance (aka rental property insurance) is the best way to protect your property from renter damage. However, even this coverage does not include intentional damage or regular wear and tear. That’s why most landlords require a security deposit.
In the future, you may also wish to require that your tenants carry renters insurance. If a renter damages your property, their liability coverage will kick in and reimburse you.
If you have any questions about
homeowners insurance
, renters insurance
or even car insurance
, reach out to Jerry
. Our friendly agents are just a text or phone call away! The Jerry app is the fastest way to find a cheap policy, too. You can compare rates and sign up for a policy in seconds. Good luck with your tenants!
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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