Does My Homeowners Insurance Cover Renters?

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February 19, 2014

David Pipes

If you are renting a room in the house that you occupy, a homeowner’s policy would not provide coverage for the personal property of the renter. It would not provide liability coverage for the renter either. If a loss occurs caused by a covered peril the structure would be repaired and your property would be indemnified (big important word) but the property of your renter would not.
July 2, 2013

David Osgood

A homeowners policy under normal circumstances will not cover a tenants personal provide or provide any loss of use for that tenant. It is highly recommended to have all tenants secure renters insurance upon renting a premise. This not only protects the tenant but can also help provide some protection for the landlord. Please read your policy completely to understand the coverage provided and what exclusions there may be.

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