Does homeowners insurance cover tenants' belongings?

I'm planning to rent out a house that I recently inherited. I want to know if my insurance will cover my tenants' belongings.

Answer
From a landlord’s perspective, if you rent out your property, you will need to make sure you have a dwelling fire policy and not a primary home policy. With a dwelling fire policy or landlord policy, there is typically not much coverage for personal belongings. Furthermore, the owner of the property is typically not able to carry coverage for the tenants’ belongings, just like a tenant is not able to insure the home.
For all landlords, it is a good idea to require their tenants to carry renters insurance so the tenants’ belongings are insured properly.
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