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Does renters insurance cover holes in the wall?
I’m planning to move out of my apartment next month. My lease says I can lose my security deposit if I leave holes in the wall or don’t restore the apartment to its original condition. There are several holes in the wall right now that need fixing and patching. I have a renters insurance policy. Will my renters insurance cover holes in the wall?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The thought of losing your security deposit can be stressful. It’s common for most leases to require the apartment to be in its original state to receive your security deposit back. Since
renters insurance
is for your personal property, it won’t cover any damage to your apartment’s structure. Your landlord is responsible for the upkeep and maintenance of the building and your apartment, which is why you could lose your security deposit if you don’t repair the damage. If a covered peril caused the holes in your apartment’s wall, your landlord could submit a claim to their insurance to repair the damage.
Otherwise, if you want to keep your security deposit, you’ll need to hire someone to patch the walls or do it yourself. If you’re handy or know someone who is, it’s relatively easy and inexpensive to fix the damage.
If you’re moving into a new apartment, now is the perfect time to ensure you have the best renters insurance coverage with
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even cancel your old policy.View full answer
- Gregory R.
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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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