Can a renter make a claim on their landlord's home insurance?

I'm not sure how insurance works when someone is renting a property. I want to know if a renter can make a claim on their landlord's policy.

Answer
No, a tenant cannot make a claim on the landlord’s insurance. The landlord’s home insurance is just there to insure what the owner has a financial interest in. If your name is not on the deed of the home, you are unable to insure the property and therefore cannot make claims for damage to the home. You are only able to make claims on your own renters policy, which insures your belongings.
avatar
Savannah Grabek
Answered on Mar 08, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free