Does Renters Insurance Cover The House?

1. 

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   David Osgood

   Agent, Rural Mutual Insurance Co., Union Grove, WI

   Renters insurance will not typically cover the building structure that you are renting. This type of insurance typically provides liablity coverage, coverage for your personal property, and some loss of use coverage. Please remember every policy is different. Please read your policy completely to understand the coverage porvided and any exclusions that there may be or contact your local agent to have them go over the policy with you.

   Answered on September 21, 2013

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2. 

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   If you are renting a house, the renters insurance that you purchase may cover damage to the house for which you are held liable under the liabnilty protection portion of your policy. For example, if say you use a faulty extension cord that is found to be the cause of a fire which damages the house, then your loiability coverage wil be used to pay for those damages. Remember to be sure to have enough liability protection ion your renters' poplicy. Most folks focus on having enough presonal property coverage to protect the things they own. Remember that if you do anything to damage your rental home or unit, you are responsible for the repair of those damages.

   Answered on December 31, 2014

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