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Does renters insurance cover a guests broken belongings?

Updated: 8/17/2019
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15y ago

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it will tell in the policy

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15y ago
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Q: Does renters insurance cover a guests broken belongings?
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Depending on the terms of your home contents insurance, your guests belongings should be covered. It all depends if you have Flood insurance which a lot of times is a separate insurance entirely.


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Allstate Renters offers insurance plans that cover the actual cash value of personal property that was lost (minus the depreciation of the item over time) and reimbursement to actually pay for the item. Plans also include living expenses when a place is too damaged, protection for family costs in case of accident, and medical aid for guests who happen to be present at the time of the incident.


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If a son or daughter living with a homeowner is injured on the property is the injury covered by the homeowner's insurance?

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How should guests be spelled in the case of a sign that reads Guests rubbish only Guests Guest's or Guests'?

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Does the motel landlord have to replace your belongings due to a fire?

This is a question for someone in hotels/motels, not landlord/tenant. The "landlord" of a motel or hotel is known as an innkeeper. The rules regarding hotels/motels are obviously different due to the transient nature of these types of establishments. Therefore they are not subject to landlord/tenant rules. But generally speaking, a hotel or motel is a risky environment, and often times innkeeper is not responsible for personal belongings of their guests.


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Will renters insurance cover a in ground pool?

It depends on what you mean, Covered for what kind of loss? Your renters insurance covers your personal property and certain of your liabilities to others, generally the owner of the rented property and your guests. If you somehow accidentally damaged the pool in a home you rented then there may be coverage under the liability portion of your renters insurance policy. If the pool suffered a weather related loss or damage from ground movement or another natural act then that would be covered under the property owners insurance policy. You don't own the pool, the landlord does and if you didn't break it then your not responsible for it beyond whatever agreed maintenance you were to perform. If the pool just needs maintenance, cleaning, repair or servicing then no that's not covered at all as it is not considered a loss, it's just normal expected maintenance that all pools need.