When Rental Insurance Counts. Your landlord’s homeowner’s insurance should cover the cost of repairs. However, if you caused damage to your landlord’s carpet, your renter’s insurance should cover it. Be aware, though, that there may be a hefty deductible, depending on your policy.Click to see full answer. Also know, does renters insurance cover pet damage to carpet?The unfortunate answer is, no. Renters policies don’t cover damage caused by dog to your landlord’s carpet. Landlords Property: Since the landlord is a third party to the insurance contract, coverage would come from the liability section of your policy. what does my renters insurance cover? Renters insurance provides financial reimbursement to cover a tenant’s lost or damaged possessions as a result of fire, theft or vandalism. It also covers a tenant’s liability in the event that a visitor is injured on the premises. Accordingly, does renters insurance cover accidental damage? To clear things up, renters insurance covers stolen or damaged property (but accidental damage or breakage is not covered). Renters insurance also provides personal liability coverage, which protects you if you’re responsible for an accident or damage to another person or their property.What is not covered under renters insurance?Natural disasters: Damages caused by flooding, earthquakes, and even sinkholes aren’t covered under renters insurance policies. Other exceptions: While renters insurance may cover losses to items stolen from your car, it won’t cover your vehicle; that’s what your auto insurance is for.
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