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Does renters insurance cover damage to the landlord’s property?
I dented a wall in my apartment when I was moving some furniture. Does renters insurance cover damage to the landlord’s property?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Uh oh! No, renters insurance does not cover structural damage.
Your renters policy covers your
personal belongings
, like furniture, electronics, and clothing. It does not include the rented unit, like the floor or the walls. Your landlord should have a separate policy that covers tenant damage and other structural damage.
Report the dent to your landlord ASAP so they can file a claim and get it fixed. If it’s a minor dent, they may just hire a handyman to repair the damage—no insurance involvement required.
Do not delay reporting the damage! The longer you wait to report the incident, the more likely it is that you will be held responsible. A small dent may not seem like a big deal but it could lead to more serious structural damage in the long term.
Insurance can be stressful. But we can guarantee that most landlords would prefer that you be upfront with them about damage rather than hiding it or trying to fix it yourself. They want to keep their property in excellent condition for you and future renters, after all.
If you have any questions about
renters insurance
or even car insurance
, reach out to Jerry
. Our friendly agents are just a text or phone call away. We can help you understand your policy—or provide moral support while you write an email to your landlord. Hope this helps!
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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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