Homeowners Insurance Cover Damage By Renter

More Facts About the National Flood Insurance Program (pt. 2)

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Does homeowner's insurance cover renters?

Any other concerns I should be aware of?

Chosen Answer:

Yes, your homeowners insurance is still good – it’ll protect the house, but it won’t cover the renters belongings. You should push that they get renters insurance so that in the case of a fire/flood/damage, their insurance will cover their stuff and your insurance will cover the house.

Yes, it’s still active if the people living in it aren’t family. I rent out a townhouse (granted ti’s to family, but it hasn’t always been family) and I kept the HO insurance and had them get renters insurance. A pipe burst in the basement, flooding it and my insurance covered the cost of the mold treatment, the pipe and the hot water heater, but they wouldn’t cover the renters belongings which were stored there. But THEIR insurance did cover it and it was a win-win situation.

Do you mean that you will be renting your house out to other people?

The other people will also need to get renters insurance. Your homeowners coverage is still active and you need to keep it although it isn’t your primary residence. You need to call and speak with the HO insurance company because there is special insurance for this purpose! My boyfriends dad owns two rental houses.

Are you wondering if the homeowners policy will still cover you if the house burns down yes.

You should talk to your insurance company, as you likely no longer need to cover contents of that property, but would need liability coverage in case something happens on the property to someone.

Your renters should get their own renters insurance policy to cover their property.

Yes, your homeowners insurance is still good – it’ll protect the house, but it won’t cover the renters belongings. You should push that they get renters insurance so that in the case of a fire/flood/damage, their insurance will cover their stuff and your insurance will cover the house.

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