Renters Insurance Damage To Wood Floor

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.

Renters insurance damage to wood floor.

Damage isn t covered if the cause isn t on the list. I have an sfr rental in california that is sustaining damage from the current renters and i am interested in feedback as to how to proceed with one of the issues. The house had beautiful maple hardwood floors when it was leased to the renters that currently occupy the house. Most homeowners insurance policies probably provide either ho 2 or ho 3 coverage.

The stains are damage that isn t normal. Renters insurance plugs the gap protecting what you own up to the limits of the 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. 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.

That doesn t mean you have to pay. Contrast this with a landlord policy which covers damage to the unit itself. It wouldn t cover any damage to the walls and ceiling though. Yes your personal property damage is covered by your renters insurance policy.

You need to tell your tenants within 14 days of when they left that you are going to have to keep their deposit until you get an estimate from a floor repair person who is prepared to tell you. 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. 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. 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.

Renters insurance just isn t designed to cover this nickel and dime stuff. If a pipe bursts your insurance doesn t usually cover damage to the landlord s building or the flooring and carpet. Renters insurance is designed to cover things that are sudden and accidental. If you re renting a home it s important to protect your belongings.