Does renters insurance cover carpet damage?

I’ve been renting at the same apartment for about two years. The carpeted floors are starting to get pretty nasty. At this point, they probably need to be replaced. Will my renters insurance cover carpet damage?

Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
A carpet can really tie the room together, so I totally understand why you’re concerned. Your renters insurance won’t cover carpet damage, but this isn’t necessarily bad news.
Unless you installed the carpet yourself (which is unlikely), then the carpet is your landlord’s property.
Renters insurance
only covers your possessions, not necessarily everything in the apartment.
Your landlord may have coverage for the carpet damage under their own home insurance policy if a named peril caused the damage. This isn’t really your problem, however.
If you want your carpet repaired or replaced, we recommend reaching out to your landlord.
Since you’re reviewing your renters insurance, now is a great time to review your options with
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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