Renter's insurance is a type of insurance that helps protect tenants from damages to their personal property or from liability claims in the event that someone is injured while on their property. Most renter's insurance policies will cover damage to hardwood floors, as long as the damage is not caused by negligence on the part of the tenant. For example, if a tenant were to drop a heavy object on their hardwood floor and cause damage, the renter's insurance policy would likely cover the cost of repairs. However, if the tenant were to neglect their hardwood floors and allow them to become damaged through wear and tear, the renter's insurance policy would not cover the cost of repairs. In order to be covered for damage to your hardwood floors, it is important to maintain your rental unit in good condition and to report any damages as soon as they occur.