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Will renter's insurance cover a bill from my landlord I received after I moved?
I moved out of my apartment a few months ago and recently got a large bill for repairs. Will my renter's insurance cover it?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“While it depends on what your bill is for, it’s unlikely your renter’s insurance policy will cover the damage.
First and foremost, renter’s insurance protects your personal belongings. It’s rare for renter’s policies to have
liability insurance
, but some policies do include it. Liability insurance would help pay for certain damages caused by you as a renter during the policy period, such as an overflowing bathtub or inadvertently starting a stove fire. That said, if the damage your landlord is billing you for is cleaning or replacing the holes you made in the wall, it’s unlikely a renter’s insurance policy would cover it.
You can check with your renter’s insurance company to determine whether you could submit a claim for the repairs. As it’s been a couple of months, you may also be ineligible to submit a claim as there are
time limits for submitting a claim
. If the damage was significant enough, your landlord will likely submit a claim to their own insurance to cover it as well.
Should you have to pay for the repairs out of pocket, consider shopping around for a new renter’s policy. Rates and coverages vary between companies, so you may be able to find a policy that fits your needs.
You can do this by requesting quotes online or go to
Jerry
. Jerry is a licensed broker that can find you the best rate for renters and car insurance. Once Jerry finds the best deals, they’ll even help with the paperwork to switch companies. And the best part–Jerry does all of this for free.” 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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