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Renting and house got flooded, does homeowners insurance cover? |
I am renting a house and while i was at work the hose to the washing machine broke and completely flooded the house. The house is pretty bad but none of my belongings are ruined. I was wondering if i am at all responsible for the damage. From what i understand, renters insurance is only to cover my belongings and the homeowners insurance should cover all of the damages to the house. My landlord keeps asking if i have renters insuranece, and i dont, but that only covers my belongings, right? Therefore, it shouldn't matter if i do or don't because the homeowners insurance will fix the damages. And she told me that the homeowners insurance has a $1,000.00 deductible. Am i responsible for that too? The Lessor insures the structure, but unless your lease states otherwise you are to insure the interior and personal contents with renters insurance. Failing that, you likely have no recourse unless the Lessor provided you with the washer/drier which in that case responsibility could fall back to them unless your lease states otherwise. Any deductible, if it was your equipment that caused the damage, it is your responsibility to correct it. Read your lease, and call your insurance agent. Source(s): Real estate broker and leasing agent. Who owns the washer? If it is the landlords then it is his responsibility. If you own it, then it is yours. You might be held responsible for it considering it was the hose to your washer. But if it was in good shape and installed properly then is homeowners should cover it. You may have to bite the bullet and share the deductible. |
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