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<... |
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Ok,
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M W | Does a homeowners policy cover excessive damage that the tenants did to a rental property? |
After surveying the property upon the tenants' moveout, I discovered that they had completely trashed the place, doing damage far in excess of the security deposit. Is that something that would be covered by a typical rental homeowners policy? |
 |
 
Zarnev
 |
A regular homeowners policy will not cover damage caused by a tenant, they only cover residences lived in by the owner. For rental properties you need a separate landlord's policy. |
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Dave1001
|
We probably should just clarify a couple of terms. A homeowner's policy is one that covers a home in which you live. A Rental Dwelling or Landlord policy is one that covers a rented dwelling.
In answer to your specific question, the answer is yes. A rental dwelling policy will indeed cover vandalism, at least a special form will. There are a few broad form dwelling policies floating around out there that do not cover vandalism, but they are not that common (thank goodness!).
If you are with a reputable company, you can almost certainly be assured that vandalism will be covered. Oftentimes, the insurance company will then go after the vandals to collect the money paid out. |
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acermill
|
No. Insurance is for accidental damage only. Tenant damanges are handled between landlord and tenant, in a court of law, if needed. |
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John
|
If you have a Homeowner Policy for your rental property, a insurance company will force to cancel your policy as soon as they find out that you rent the property to other than your family.
A dwelling coverage is a right form of insurance coverage for your property. For the answer for your question, no coverage from the insurance for this case.
I suggest you to open a small calim with your county office instead of insurance claim. Even though, the vandalism coverage is available, the deductible will be applied to the loss. Check with your agent first.
Again, if you have a dwelling coverage for your property, then it is ok. However, if you don't, then you must have a dwelling coverage. Check the following site for your fastest quote from the several licensed agent.
Good Luck!
http://www.insureme.com/landing.aspx?Refby=614783&Type=home |
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Ashley F
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No. But I would check the lease you had them sign, maybe it's something you could recoup at small claims court. |
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gizmoe
 |
If I were you I would take pictures of the damage get a estimate of what it would cost to have your place back in order Get in contact with the tenants that did the damage give them the bill. If they don't handel it. Take them to court |
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mbrcatz
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A "rental homeowners" policy is called a dwelling fire policy.
Wear and tear is not covered. True vandalism is, IF you file a police report and press charges.
Keep in mind, however, that if you DO file a vandalism claim (which does NOT cover accidental damage, wear and tear, etc), that claim is going to count against YOU, and make it that much harder for you to get insurance in the future.
Also, because these claims are very common, most carriers don't LIKE to write rental properties. So they'll cancel you at the earliest opportunity, for any reason they think will stick. So I'd be VERY cautious about filing a small (under $4,000) claim. |
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hirebookkeeper
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I think you need a commercial policy for a rental. One of the things in a homeowner policy states that you will occupy the home. |
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