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 provided by
Answered on Mar 08, 2021
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.
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
Where do I get car insurance with a bad driving record in Iowa?
I've got three accidents on my record and Allstate recently hiked my premium by over $300. Where can I find cheaper insurance in Iowa?
Apr 19, 2021
How hard is it to cancel gap insurance?
I want to sell my 2018 Kia Soul and cancel the gap insurance on it. Will it be difficult to do? I've heard people sometimes have issues with contacting dealerships and getting refunds for gap coverage.
May 03, 2021
What happens if I'm at fault in an accident with Utah's minimum car insurance limits?
"I have collision coverage in addition to the state minimums, but I'm not sure about the other driver. I know the damage to the other driver's car is above my property damage limit. How much will I have to pay out of pocket? Would it matter what coverage they have on their vehicle?"
May 17, 2021