Renters Insurance

[moyjos]

Interesting discussion on another forum..

The story:: Lady and her husband rent. While he was whipper snipping a stone broke the glass sliding door.
Her Question: Was she liable? ( Obrien Glass quoted her $800) or could she pay the landlords excess?

Everybody agreed she was liable and that she would have to pay. A few investors said they would not make a claim and let her pay the excess as it would mean higher premiums.

She duly got the glass repaired at her cost and has now asked if you can get insurance that covers such an accident. She has insurance for their contents, which apparently will not cover any "fixtures"

No-one could offer any suggestion other than bad luck

Does any one know of such a policy that protects tenants against accidental damage of a house they don't own?

 

[chilliblue]

I believe EBM do TenantCover. As taken from their website:

If you're renting a property, it's easy to protect all your precious possessions and cover yourself against legal liability with TenantCover. Inexpensive and simple, TenantCover makes sense for all rental property tenants.

As long as there are reasonable security measures in place, such as working locks, TenantCover provides protection for your contents against theft, or damage by fire, explosion and storm to a total of $25,000. In addition, your legal liability for incidents in which someone injures themselves on the property or suffers another loss (where you are found liable) is covered up to $10,000,000.

 

[moyjos]

I believe EBM do TenantCover. As taken from their website:

It seems most of the companies do contents and public liability insurance, but not for damage to the house itself.