Does Renters Insurance Cover Carpet Damage? 
A renters policy pays for damages caused by named perils . This means that if the carpet is damaged by fire , windstorm , lightning of a long list of other potential perils , the company will repair or replace the carpet . Recovery under a renters policy is subject to a deductible . The deductible is stated in the policy declarations . If the damage to the carpet is caused by neglect or fair wear and tear , it is not covered . 