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Does renters insurance cover structural damage?
I accidentally put a big hole in the wall of my apartment while moving furniture. I have a renters policy. Does renters insurance cover structural damage?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no! Renters insurance does not cover structural damage to a rented living space.
Your renters policy protects your personal belongings from things like theft and vandalism. It does not cover the physical building you live in, like pipes and walls. That is your landlord’s responsibility.
Your best course of action is to inform the landlord.
If they have landlord insurance, they can file a claim and get the hole repaired. Perhaps they know a handy repair person who can fix the hole, no insurance involvement required. Either way, let them know about the damage immediately. If pests, mold, or other long-term damage occurs, you could be liable.
It may seem odd to carry renters insurance if it doesn’t help in a situation like this. However, renters insurance is a smart investment that protects your stuff and your personal liability. Don’t cancel your policy!
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! Good luck—you’ve got this.
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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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