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Does renters insurance cover subletters?
When I left to go traveling, I rented out my furnished apartment. My subletter just informed me that the couch broke last week. Will my renters insurance cover subletters?
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Sorry about your broken couch! The good news is that renters insurance will normally cover damage caused by short-term subletters. Here’s a quick explanation of how your renters insurance coverage works with subletters:
- Coverage for the policyholder’s stuff: Yourrenters insurancepolicy coversyour belongings, not the subletter’s.
- Liability protection for the policyholder: If anyone gets injured inside your apartment—even if you are out of the country—you are still technically liable. Your policy gives you personal liability protection in this situation.
- Length of time is important: Short-term subletters typically have coverage since it’s a temporary situation. Long-term subletters, however, should get their own policy—especially if they’re bringing their own stuff.
That said, a typical insurance policy covers sudden and accidental damages from a
covered peril
. Unless your couch broke due to a covered peril, you wouldn’t be able to submit a claim, even if the subletter broke it by accident. If you’re planning on traveling often, you’ll want to ensure you have a great renters insurance policy at a great rate with
Jerry
. Jerry generates quotes from top companies and unlocks discounts. If you have 60 seconds, you have plenty of time to save money!Best of luck with your couch replacement and enjoy the rest of your travels!
View full answer
- Gregory R.
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