Does renters insurance cover a hot water heater leak if the landlord was unreachable for several days and caused damage to carpets?
Tenants (Renters) Insurance Damage to the building (and anything permanently attached to the building, including wall to wall carpeting) is the responsibility of… the building owner, and his Building Insurance coverage HOWEVER any damage caused by the Tenant or damage caused by the Tenant's negligence - would be covered under the "Tenants Legal Liability" coverage - of the "Tenant's Package" policy carried by the Renter.
Answer Not if it 'came with' the building. For instance wall to wall is considered under the dwelling coverage on the home owners policy. So if you didn't bring …it in with you, it belongs to the landlord, and your renters policy will not cover it. Now if you are saying you damaged the landlords property, file a claim and see if there might be some coverage under your liability section. States differ on this.
Sewage back up is a rider that you must purchase. But if you are a tenant, it would be your landlord's responsibility to purchase the coverage. Check with him.
The best I can say is "it depends..." Read your policy and check to see if there are any exclusions that apply to renting the property vs. living in it as the homeowner. A …policy specifically designed for rental property should include such hazards. If your policy excludes using it as a rental, then you may not be covered at all.
It depends on what type of coverage you are looking for. If your dog chews up your own property, probably not. You need to be proactive and either teach your dog not to chew u…p your stuff or isolate it so it can't chew up your stuff. However, if your dog chews up someone else's stuff, it probably will cover it. In Wisconsin, there are two types of coverages available that might provide coverage: damage to property of others, which applies regardless of whether or not you are liable for the damage (although in this case, you would be), and personal liability coverage which only applies in instances where the damage is your fault. Usually the damage to property of others coverage is limited to about $500. The personal liability coverage is usually a minimum of $100,000, but is often much higher.
No. Hail damage to a car is covered by the comprehensive (sometimes called "other than collision" or "comp") portion of your auto insurrance policy.
Renters insurance is similar to condo insurance. It typically covers the personal contents inside but there is the option to obtain dwelling coverage to protect the structure …of the items that are secured to the inner walls of the rented space. This is good for protecting kitchen and bathrooms when renting a single family home or extra large apartment. I hope this helps clarify the question.
Of course not. Auto insurance has to cover your car and home insurance covers your home. Damage to you car is always covered under an auto policy. It is specifically excluded …under your homeowner's rental policy.
No. "Renters Insurance" is property coverge for a tenant. It will cover the property of the named insured Tenant or Renter that is located within the rented dwelling. It will …not cover property of someone who is not a named insured on the policy.
Homeowners insurance No. But a landlords Dwelling Policy yes.
Does an owners liability insurance cover damages to contents of renters property if the homeowner is negligent?
No, a homeowners insurance policy does not provide coverage for the property of a tenant. That's what "Renters Insurance" is for. If the renter chose not to purchase a re…nter insurance policy, Then the renter was negligent to the extent that the renter chose not to purchase a renter insurance policy, perhaps with the mistaken belief that the owners policy would cover them.
If damaged due to a covered peril such As Fire, Wind, Hail, etc,,yes it's covered subject to your deductible.. If damaged to due to wear and tear, No, it would not be covered….
I believe in most any situation that carpet damaged by a dog will not be covered. Of course it will depend on the actual policy and what happened but in most if not all cases …this type of damage would not be covered.
Firstly, the home doesn't belong to you so it would not cover to fix your landlords property. Also, the reason is a maintenance issue and not a covered cause anyway.
Pests, Insects, fumigation and bug spraying are part of a property owners usual and expected maintenance costs. Homeowners insurance does not cover maintenance.
No, your tenants policy will only cover your contents. Unless you are negligent in the garage door being damaged, like you drove into it. Then yes it would be covered under yo…ur liability coverage but the homeowner would still need to go through his insurance company and subrogate against yours, most insurance companies do not work directly with the third party and rather deal with another insurance company. More specifics regarding the damage and how it happened would be required to assess as well as your policy wording, I suggest calling your insurance company and discussing it with there claims office, most insurance companies will have some sort of claims guarantee where they will consult you on the claim before making it affect you.
A homeowners policy is not the proper policy for property rented to others. It is only for owner occupied dwellings and will not cover damage caused by anything other than a c…overed cause.