What Is Not Covered by Landlord Insurance

When it comes to selecting the right type of insurance for your needs, you need to know what is covered and what these policies do not cover. The only way to know that for sure is to read the terms and conditions of the policy you are selecting. This can vary from one policy and one insurer to the next.

Some of the most important exclusions to landlord insurance include the following:

  • The tenant’s property – most policies do not cover the tenant’s property, and many landlords require or encourage renters to obtain their own policy for these items.
  • The tenant’s car – the same applies here, as the tenant should seek out their own coverage
  • Landlord insurance does not cover repairs to major systems
  • It does not cover damage caused by the property owner, such as if a property owner causes damage to the rental itself
  • It does not cover anything that stops working due to normal wear and tear or a lack of maintenance

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