No, they only cover your stuff
The answer is basically no. The landlord is never responsible for damages to personal property belonging to tenants in any dwelling or structure. That is why you are strongly encouraged to get renters insurance. In some cases you may have some recourse if the landlord knew of the problem. But if you get renters insurance be insurance company can determine that for you and they can seek damages from the landlord.
The purpose of obtaining Landlord Contents Insurance is to protect the landlord from damage or loss caused by tenants. This insurance may cover appliances, fixtures, and furnishings.
It will cover the building but not the contents.
Who owns the washing machine? If it is the upstairs tenant and he has tenants insurance (as you should) then his insurance pays. The landlords insurance company would also pay and your insurance company will take care of it all. Let them duke it out. If you are the landlord and you did not require your tenants to carry insurance...does the word "fool" mean anything to you now?
In most cases the association is responsible for mantaining the roof and structure. It should the the association's insurance problem.
The purpose of the condominium association insurance is to guard the tenants from having to pay for water damage caused by leaky faucets or from damage to the structure of the rental establishment. The purpose of the condominium association insurance is the same as any other insurance policy and that is to have in place moneys that the tenant do not have to pay in the event of a mishap to the structure of having lived in the dwelling.
It depends on what caused the leak. If your leak was caused by a covered peril on your policy such as Hail wind fire etc, then your homeowners insurance would cover the cost of a repair and the repair of internal damage resulting from the leak. If the leak is resultant of aged material or normal wear and tear such as an old roof that has outlived the life of the material, then that is a maintenance issue and ceiling damage will continue to occur every time it rains. Your insurance company would probably fix your ceiling but not until after you replace the aged roof.
It depends on what type of insurance the property owner has and what the terms of the lease are. Some landlords carry property damage coverage for the building structure. Some leases require that the renter carry a tenants policy.
The answer to this question has little to do with the cracked ceiling but what caused the ceiling to crack in the first place. If it is caused by settling of the home or earth movement then the ceiling crack would not be covered. If a tree limb fell due to a windstorm and damaged the ceiling then it would be covered under a homeowners policy.
Damage caused by bordersWith respect to 'building' coverage, the boarders are not 'insureds' (by definition) under the policy. Intentional or negligent damage caused by a household resident are not covered under an owners policy.You could seek coverage from the liability portion of your tenants renters policy.
Rental properties can be a great investment, but like any investment, there's a possibility for loss. While you can do background checks and require security deposits from your tenants, the safety and security of your rental property is often out of your control. Make sure your policy covers you from damage caused not only by your tenants, but also their guests. Also look at your deductible. If it's higher than your reserved security deposit, are you able to potentially lose that amount if your property is damaged?
Mould is mostly caused by humidity or leakage. For example, if you have mould on your ceiling, you should check if your roof isn't leaking.