Renters Insurance Damage To Wood Floor

Yes your personal property damage is covered by your renters insurance policy.

Renters insurance damage to wood floor. Termite and pest infestations are not covered under renters insurance unless the termites infest your property because of damage done by a covered peril like a leak from a broken pipe if you re worried about termite damage you should look into purchasing an all risk renters insurance policy that has no exclusions for pests or infestations. It depends on who s responsible for the flooding. Most homeowners insurance policies probably provide either ho 2 or ho 3 coverage. When it comes to water damage caused by ceiling leaks the short answer is yes renters insurance will usually cover damage to your possessions.

It wouldn t cover any damage to the walls and ceiling though. Damage isn t covered if the cause isn t on the list. In contrast with real property damage which is covered by the liability portion of your renters insurance policy your renters insurance policy is designed to protect your personal property. That doesn t mean you have to pay.

An ho 2 policy insures your building including the floor against 13 different threats including fire cars or planes hitting the house a pipe or water heater rupturing and accidental electrical discharge. For example if water drips from another apartment through your ceiling and soaks your bed renters insurance would cover the bed. Renters insurance is designed to cover things that are sudden and accidental. Renters insurance just isn t designed to cover this nickel and dime stuff.

Renters insurance plugs the gap protecting what you own up to the limits of the coverage. Learn how renters insurance will protect your personal belongings from damage or loss as well as your liability for guest injuries at your rental home. If you re renting a home it s important to protect your belongings. The stains are damage that isn t normal.

General landlording rental properties managing hardwood floor damage jul 14 2015 04 49 renters discussion tenants with two large dogs aug 5 2013 13 48 general landlording rental properties tenant gouged floors walls. Contrast this with a landlord policy which covers damage to the unit itself. In addition these damages are often small extra wear and tear on the carpet minor nail holes in the wall cleaning fees that sort of thing. The house had beautiful maple hardwood floors when it was leased to the renters that currently occupy the house.