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UPDATED: Aug 2, 2012
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Insurance Question from Virginia Beach, VA
Asked on 08/02/2012
Homeowner/tenant Do homeowner insurance cover tenant who things was damage by strom.
Answer given on August 03, 2012
Homeowner insurance covers personal property for the homeowner. If you are a renter, and you have renters insurance then your policy will cover damage to your personal property caused by a storm, less your deductible. You need to file a claim with your agent or insurance company so they can start working on reimbursement to you. Most policies pay on a replacement cost basis, with no depreciation.If you are relying on the insurance of the landlord to cover your property, you will not be covered. You are expected to purchase your own insurance for your personal property. Even if you are renting a room from a homeowner you are expected to purchase insurance for your own property.If there was negligence involved with the damage to your property, the landlord may have coverage under the liability portion of the policy. However, if there was a storm, it seems unlikely the landlord would have any responsibility for the damages caused.
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