“if I rent a home and I crash into the garage door does my landlords insurance pay or my rental insurance pay?
Home Insurance
Question by mickey61: “if I rent a home and I crash into the garage door does my landlords insurance pay or my rental insurance pay?
i crashed into the garage door by accident. Who’s insurance should pay? My rental insurance, which is for the houses contents and liability issues. Or my landlords homeowners insurance?
Best answer:
Answer by mbrcatz
How about, your auto insurance?
Your tenant homeowners policy does NOT cover damage you do to a premises that you are renting. That’s a standard exclusion.
Your landlord’s policy MIGHT have an exclusion for damage caused by the tenant, accidentally.
Your auto policy is the best source, but if you crashed not with a car, or have no auto insurance, likely the landlord will come after you directly.
Ultimately, YOU are responsible for damage you cause to the landlord’s premises – accidental or deliberate.
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Tags: auto insurance, crash, garage crash auto or homeowners insurance, garage door, Home Insurance, Landlords Insurance, Mortgages, Rent a home
your landlord will probably want you to pay for this. Rental insurance just covers your property inside the dwelling. If you have auto insurance they may pay depending on what your coverage is. Sure the landlord’s insurance co may cover the damage, however they will probably seek a payment from your insurance (auto) company to reimburse themselves.
good luck
My rental policy has liability coverage in it as well to cover these sorts of things, it’s even required in our lease to have it, see if your policy has the same.
If you crashed into the garage door with your car, your car insurance would be the one to respond. The liability portion of your renters cannot be used to respond to automobile claims. Further if the Landlord uses his insurance to pay for the damage, they will just go after you!
I hope this helps. Good Luck!
How about your auto liability insurance?