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

Answered by Home Insurance, Car Insurance Expert Savannah on February 4, 2021

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.

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Savannah

Home Insurance, Car Insurance Expert

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.


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