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Does Landlord Insurance Cover Tenant Damage?

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As a landlord, when your rental property is damaged, one of your first concerns is who pays for repairs: you or the tenant? After all, for many landlords, a rental property is both an investment and a source of recurring income. 

That’s why it’s important to consider the protections offered by landlord insurance and to understand what is and what isn’t covered when your property is damaged by tenants. 

What’s Covered by Landlord Insurance?

Landlord insurance is designed to protect your income and the insured property in the event of tenant-related damages, certain disasters and liability claims. For damages caused by your tenant, landlord insurance typically helps to cover:

  • Incidents that are sudden and accidental.
  • Home furnishings owned by the landlord.
  • Your lost income if you can’t rent your property out during repairs after a covered loss.1
  • Vandalism such as illustrations, unpleasantries or graffiti on the wall. 

What Isn’t Covered by Landlord Insurance?

When you’re a landlord, it’s your responsibility to maintain and repair your property. For instance, if the unit’s refrigerator breaks down, your landlord policy likely won’t cover it. However, if the appliance is damaged in a kitchen fire, your policy may cover the cost to repair or replace it.

Landlord insurance won’t cover any of your tenant’s possessions damaged in a covered incident such as a fire or windstorm. They’ll need to take out their own renters insurance policy to protect their belongings. As the landlord, you can consider making this a requirement in the lease, giving you confidence that your tenants have taken steps to protect themselves and their belongings.

Do Tenants Have to Pay for Accidental Damage?

Tenants are responsible for accidental damage they or their guests cause, such as damaging the wall while moving furniture or cracking a window while playing ball. Though some tenants may refuse or be unable to pay for repairs, your landlord policy may help cover the repair costs, and your insurer may pursue reimbursement from the tenant.

Does Renters Insurance Cover Tenant Damage?

While it’s a wise investment for tenants, renters insurance may not cover damage caused by a tenant. It typically provides protections for the tenant’s personal belongings and liability risks.2 It doesn’t include dwelling coverage, so the unit itself isn’t protected without your landlord policy—unless your tenant added an improvement to the dwelling. 

Does Homeowners Insurance Cover Tenant Damage?

There are key differences between landlord insurance and homeowners insurance. Homeowners insurance is designed specifically for occupied primary residences and to cover both your property and the belongings within it. If you’re renting out your property regularly, you’ll need landlord coverage, which covers the structure you’re renting. 

Find a Landlord Insurance Policy That’s Right for You

Whether you’re a landlord or tenant, having the right insurance coverage is key to staying protected in case of disaster, damage, personal liability or theft. 

Explore the landlord insurance or renters insurance coverage options that may work best for you and your tenants. Once you decide to move forward, you can get a quote*, speak with an independent agent, or contact a Travelers representative today.

Sources
1https://www.iii.org/press-release/a-vacant-home-still-needs-insurance-dont-be-caught-without-coverage-111909  
2https://www.iii.org/article/renters-insurance 

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*Quotes may not be available in all states or for all products. In CA, quotes for all products must be obtained through a local independent agent.

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, deductibles and other features are subject to individuals meeting our underwriting criteria and state availability. Not all features available in all states. Discounts may not apply to all coverages.

Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT 06183. In CA: Home Insurance is underwritten by The Standard Fire Insurance Company, Certificate of Authority # 3545. All underwriting companies listed above are domiciled in the state of Connecticut. In TX and WA:  Home Insurance is underwritten by Travelers Personal Insurance Company. Underwriting companies in CA, TX, and WA listed above are located at One Tower Square, Hartford, CT 06183.