Does renters insurance cover damage from an accidental gunshot?

My brother accidentally discharged his gun in his apartment and now there's a bullet hole in his wall. Thankfully, no one was hurt. Will his renters insurance cover the damage to the wall?

Answer
“The answer is, probably not. Most jurisdictions have laws regulating the use and discharge of firearms. Even though your brother fired the gun accidentally, his actions would still be considered negligent, and therefore the damage would not be covered under his policy.
The likely scenario is that the landlord will fix the wall and then bill your brother for it without filing a lawsuit. In this case, your brother would need to pay out of pocket for the cost of repairing the wall. “
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Jackie Whalen
Answered on Apr 13, 2021
Jackie Whalen has been in the insurance industry for over 7 years, working in sales, service and claims. She has won numerous awards as a top salesperson and customer service agent. She currently lives in New York with her husband. Her 24 year old son recently moved out on his own which has given her more time to travel, write and train her dog Maisy not to chase her cat, Whiskey.
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