Since I am a renter, my landlord will cover property damages.
Occasionally, a landlord may partner with an insurance company to offer renters insurance to tenants, but more frequently, the insurance policies that landlords hold for their properties only protect the building itself. "After acquiring a rental housing unit, landlords change their insurance policies from a traditional homeowners policy to a rental policy, and when they do that, it only covers just the structure, not the content or any of the tenants belongings," says James Emory Tungsvik, president of the National Association of Residential Property Managers.
Even if the landlord owns appliances or other items within your rented home, he or she is not responsible for damages they inflict on your personal property. "Say you just bought a few hundred dollars' worth of frozen food and you stuck it in the freezer that the landlord owns, and it breaks down, spoiling all the food," Tungsvik says. "If you wanted coverage for that lost expense, the landlord would not responsible for it. That would be part of renters insurance."
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