Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 1, 2012

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Insurance Question from Lincoln, NE

Asked on 10/01/2012

damages caused by live-in boyfriend If you are living with someone, and the relationship goes bad and they do damage to the homeowner's property, will it be covered? Or is the homeowner responsible, since they are letting the person live there?

Answer given on October 02, 2012

If there is damage done to your personal property by someone who lives at the residence, there could be coverage for your damaged property.If the other party is listed on the homeowner or renters insurance policy, and they do damage to the personal property then there would not be coverage under the policy. There is no coverage for intentional damage to property caused by an insured.If the other person is not listed on the policy, then your policy could pay for the damages. However, the policy deductible will apply and yoiu may be asked to file charges against the other party. If you are willing to do this, and the deductible does not exceed the damages, then you could file a claim.Be aware that filing a claim could affect your premium costs, since you could lose a loss free discount. Ask your agent or insurance company what the discount is and make sure it is worth the additional cost to file the claim.


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