Does Homeowners Insurance Cover Damage Caused By Renters? 
By definition , a traditional `` Homeowners '' Insurance policy provides coverage to your dwelling and personal belongings provided that the dwelling is your PRIMARY RESIDENCE . This is important . If that house is not your primary residence , meaning that you live elsewhere and the house is occupied by renters to use your example , it would be entirely possible that a traditional homeowners policy would therefore provide no coverage in your example . Talk to your Insurance Professional to be sure you have the right policy coverage for your specific circumstances to make sure that there are no dangerous gaps in protection . A Dwelling Fire policy or commercial property package would provide protection for you . It is also a good idea to be sure that your tenants obtain their own Renters Insurance both for your protection and thiers . 