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I guess that is where we will differ. I don't use insurance, when I don't need to. I'm not ruining my claim record. But hey, if using your insurance makes you happy...go for it.

What does your RTA say? Ours says: "the tenant is responsible for any and all damage caused by wilful or negligent action by the tenant, resident or any person whom the tenant permits on the premises." In the case of a TV, they should have had help carrying it, it was negligence. So the...

and that is what the bond is for...

The answer to me seem obvious. The tenant dropped it..the tenant is responsible. The tenant would pay.