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Anonymous
Anonymous asked in Business & FinanceInsurance · 1 decade ago

Does renters insurance cover broken windows?

My patio door was broken this weekend by a Bocci ball. It came over my fence and right through my patio door. Noone was there to claim responsibility even though I seen it come from the neighbors yard directly behind me. Does renters insurance cover the cost to replace that Very expensive glass?

13 Answers

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  • Anonymous
    1 decade ago
    Favorite Answer

    Nope. Renter's insurance covers your personal property. But your landlord should cover the cost of the damages since it was your neighbor's fault. Make sure you try to do a little investigating to find out who actually broke the window. Sometimes landlords will try to blame the tenant for the damage so they can keep the tenant's security deposit. However, if you've already established a pretty good relationship with your landlord, you shouldn't have that problem.

  • Anonymous
    7 years ago

    No, renters insurance does not cover structural damages of the building. Speak to your landlord, his home insurance might cover this.

    RE:

    Does renters insurance cover broken windows?

    My patio door was broken this weekend by a Bocci ball. It came over my fence and right through my patio door. Noone was there to claim responsibility even though I seen it come from the neighbors ya...

  • ?
    Lv 4
    5 years ago

    Renters insurance does no cover damages to the car. It will cover your contents which happened to be in the car only. RE: Will renters insurance cover me? I know I'm being paranoid here because I don't know the situation, but I'm going to move into an apartment complex next month that doesn't have a great reputation. Granted, when I went there it looke...

  • Anonymous
    6 years ago

    No, renters insurance does not cover structural damages of the building. Speak to your landlord, his home insurance might cover this.

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  • Lucky
    Lv 4
    1 decade ago

    Renter's Insurance covers your belongings. Your landlord Insures the building and appliance's so that would be his insurance but if you saw it come from the neighbor then you need to let the landlord know that and let him/her handle it.

    Source(s): Have Rental property
  • 1 decade ago

    It's the landlords problem! Your renters covers YOUR property and/or liabilty, and since the door is not yours you have no claim under your policy.

  • 1 decade ago

    Your landlord owns the property and as you are not legally liable for the damages, he should do the repairs.

    Your renter's coverage will probably not cover structural damage any way.

  • 1 decade ago

    I would say no. It is the landlords problem. Possibly the neighbors policy (should they even have one) could cover it from a liability point of view, especially if it was done by a child under 12-13 yrs old. But that is a stretch.

  • 1 decade ago

    Yes, but with most insurance it costs more once you use it.

    They can even choose to not insure you in the future if you use it all the time.

    Contact the neighbor. Even if they agree to half the cost of a new window, it might be cheaper that going through your insurance. If they are mean, file a claim with THEIR insurance.

  • 1 decade ago

    that should be covered under your landlord's insurance....your rental insurance is for your personal belongings as well as if anyone falls or get hurts due to your negligence and decides to sue you. Any building repairs inside or outside is covered under your landlords insurance.

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