Can damage by tenants be claimed under home insurance?

"I'm considering renting out my townhouse. If damage to the house exceeds the renter's security deposit, can it be claimed under my homeowners insurance?

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Shannon Martin
Answered on Apr 13, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“There are different types of landlord policies, called dwelling policies, that provide different levels of coverage. Damage caused by tenants may or may not be covered, depending on how it occurred and what type of policy you have.
For example, if an accidental fire is the cause, the damage would generally be covered. However, damage as a result of wear and tear would not be covered.
If this is a concern that you have, you should review your policy terms carefully with your agent to ensure that you have the level of coverage you are most comfortable with. “
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