is Usually Covered With Landlord's Insurance?
The policy will
normally cover standard perils such as fire, lightning, explosion, earthquake, storm, flood,
escape of water/oil, subsidence, theft and
malicious damage. Each insurance policy is
different and may or may not include all these
items. Optional coverage might include accidental
damage, malicious damage by tenant, terrorism,
legal protection, alternative accommodation costs, contents
insurance, rent guarantee insurance, and liability
Landlords' insurance policies typically do not
cover any personal property belonging to tenants,
or otherwise protect the interest of tenants;
although a liability policy protecting a landlord
or property manager will be of benefit
to tenants should they incur a loss for which the
landlord is responsible.
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