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Answered 2008-09-25 11:42:48
This would be covered under Malicious or accidental damage if your insurance company provides this.
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Does renters insurance cover damage to others property?
No. "Renters Insurance" is property coverge for a tenant. It will cover the property of the named insured Tenant or Renter that is located within the rented dwelling. It will not cover property of someone who is not a named insured on the policy.
Does tenant liability insurance cover property damage due to tenant negligence?
Yes if it is covered by d insurance policy & No if not. Usually its not.
Why does a tenant need a certificate of insurance?
Landlords generally require a tenant to have a certificate of insurance showing that the tenant has personal belongings insured, as the landlord's policy doesn't cover personal property of the tenant.
Is a Section 8 Landlord required to have insurance?
Every landlord is required to have insurance, but now the question is what type of insurance. Property insurance is likely the type of insurance that the landlord is carrying. This does not cover anything inside the property that belongs to the tenant. For this, the tenant needs to purchase separate insurance called renters insurance.
What does landlords insurance cover?
Landlords Insurance covers the property owners interest in the property and structure. It doe snot cover the property nor the liabilities of the tenant. The extent of coverage provided is dependent on the options chosen by the insured.
What sort of situation would require landlords insurance?
Landlord's insurance would be necessary to protect the owners's property in the event of mishap but it would remain the responsibility of the tenant to cover their own belongings with tenant insurance.
Will just having liability insurance cover your car if it is damaged?
No. Liability covers the others and their property.
Can landlord insurance cover damage from tenant move out?
Well, what do you mean by Landlord Insurance? There is property insurance and Tenant or Renter's Insurance. The former covers any damage to the property by a storm, fire, burglary, etc., but not anything inside the unit, meaning, anything owned by the tenant. That's what Tenant insurance is for. Tenant insurance covers any property of the Tenant, in and out of the home (out of the home is generally covered by only 10 %); property damage by the Tenant, either while living there or upon moveout; and medical care of up to about $1,000 to anyone who gets hurt in your home. It also covers loss of use of the home to a certain amount, which helps you with lodging and moving costs should you need to stay out of the home.
What does tenant insurance cover?
Tenant insurances covers both liability and the contents of the place one is renting. It covers a large number of items, including but not limited to flood damage, stolen property, and destruction of property.
Does your insurance cover property damage from the tenant?
No. Damage done by a tenant is specifically excluded on a dwelling policy. Tenants are considered insureds under the policy and damage done by an insured is not covered.
When borrowing a pickup and hauling furniture something flew out and damaged truck He only has liability will that cover it or will your insurance have to cover it?
Liability would only cover the insured for his damage to the property of someone else. Your insurance will have to cover the damage to his truck.
Does property insurance cover damages caused by a tree falling on my house?
Definetely you can claim for the damages caused by the tree falling on your house. The Insurance companies cover these damages under the property insurance. Just you have provide the photos of the damaged house aas an evidence to claim your money.
Does homeowners insurance cover losses a friend incurred from being robbed inside the home?
No. Your friend is most likely not a named insured on your homeowners insurance policy. Your homeowners insurance policy is specific to you and your property. It would also not cover the losses of a tenant.
What is covered by homeowners insurance if you are renting the house?
The dwelling Owners policy does not cover the property or liability of a tenant. Rental dwellings are covered under a Dwelling Policy that covers rental properties not a homeowners policy. If the tenant seeks coverage, the tenant must buy his own Renters Insurance Policy.
Does an owners liability insurance cover damages to contents of renters property if the homeowner is negligent?
No, a homeowners insurance policy does not provide coverage for the property of a tenant. That's what "Renters Insurance" is for.If the renter chose not to purchase a renter insurance policy, Then the renter was negligent to the extent that the renter chose not to purchase a renter insurance policy, perhaps with the mistaken belief that the owners policy would cover them.
A town tree fell and damaged some equipment on my property are they responsable?
No, Nobody is liable for an act of nature. Your own property insurance should cover any damages.
If your neighbor's tree fell on your house whose insurance is responsible?
Your insurance would be responsible for repair of the damage to your home. If your neighbors property was also damaged in the event then the neighbors insurance will cover the neighbors property damage. Nobody is liable for an act of nature.
Will home owners insurance cover a moccasin snake bite on rental property?
It depends on what coverages you selected when you purchased your insurance and who was bitten by the snake. If you selected medical coverage option when you bought your home insurance policy you may have coverage if you were bitten by a snake on your own property. If the tenant was bitten then no. Your medical coverage does not extend to a tenant. There would also be no coverage for a tenant being bitten by a wild animal under the owners liability because the property owner is not liable for acts of wild that we do not own.
Does home owner insurance cover damage to property that falls from a trailer being towed?
The property is covered by the owners insurance only. If your trailer hit their property, their own insurance must cover it. If your trailer hits your own building, then your insurance will cover it.
Does renters insurance cover loss of property using a moving company?
The moving company should have their own insurance if items were damaged during the moving process, if not I would get a lawyer!
Is a landlord or his insurance carrier liable for damage to renter's commercial property loss of wages etc when a pipe freezes and bursts causing water damage to the renter's property?
No one is liable for an act of nature Presumably, The tenant signed a lease agreement. Most landlords specify in the lease agreement that the tenant purchase there own insurance to cover the tenants and the landlords interest in the property being leased. This clarifies for the tenant that they are responsible for their own property as well as liable for any un-repaired damages to the owners property.
Do you have to have car insurance?
You have to have car insurance which is a legal requirement and with the right level of cover, provides financial protection in the event of your vehicle being damaged. It will also provide cover for injuries to other drivers, passengers or pedestrians, and their property.
Does insurance cover things damaged while hauling them in a pickup?
It depends on the insurance.
Does homeowners insurance cover loss of personal property?
If you scheduled your personal property on your Homeowners Insurance Policy then it will cover. If you failed to schedule your personal property then it will not be covered.
What does property damage liability car insurance cover in an accident?
Property damage liability car insurance will cover the individuals car and property that you hit. It will not cover anything to do with your vehicle if the accident is your fault.
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