Question: I am a new landlord and I was curious whether the standard renter's insurance policy covers the landlord for damage to the rental made by the tenant during their tenancy? Landlords' attorney Smith replies: In most cases, no. The standard renter's insurance policy does not cover the landlord for ordinary damage to the rental made by the tenant during the tenancy. Tenant-landlord laws typically require the tenant to keep the rental in good condition and repair but provide for an allowance for ordinary wear and tear. Customarily, the tenant's security deposit may be used by the landlord to cover damages beyond ordinary wear and tear. When repairs and cleaning exceed the security deposit amount, the tenant is responsible. However, in the ordinary tenant damage case, the tenant's i...
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