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Tenant insurance certainly doesn't cover the building. Also contents + liability is around $40 a month or less, landlords insurance less again (for me, anyway). Contents just covers stuff that the tenant owns and can take away with them, so not things like kitchens and carpets. I've never...

LOL what she said - and as you pointed out, that tenant can afford to pay the excess. It'll get sorted out much quicker by the insurance company than any other way, and I stand by my comment that this is what insurance is for. That + tenant paying excess = not a penny out of pocket to you, and...

And if the tenant can't afford to fix it (which they probably can't) and you're insured, you're asking for the tenant to do something else nasty to your house because you're being petty. Insurance exists for a reason ... Like others, I've had home insurance claims (2 at my last house) and it...