Who is financially responsible for the burglary of a rental home?

Question

For what damages is the tenant responsible and for what damages is the landlord responsible for?

Who pays for the broken windows and other damages and who pays for the items stolen?

I have landlord's dwelling insurance but it might not cover things such as broken windows.

Answer 1

You're the owner of the home, it was your home that was burglarized, so YOU are responsible for the broken window and other damages. The only reason the tenant might be responsible for a broken window is if you could prove they were the ones who broke it.

If it was the tenants' property that was stolen, their renter's insurance should cover their losses. If they don't have renter's insurance, they have to pay for replacement of their own property.

Answer 2

The landlord will have coverage on their building so anything that is attached to the structure would be covered for the owner.

A tenant policy covers what you own....so your personal belonging would be covered by your policy however.... if you have a lot of jewelry, guns, antiques, etc you need to make sure that you have enough coverage ...most of these items have limits so check with your agent.. Also, if you have a home office some insurance companies may not cover those items considering them commercial. Check with your agent.

But lastly, the owner of the property may have a deductible of $500 or more..... you may want to read your lease to see if this is address....

Answer 3

You are the home owner and your insurance should cover any damages to the home including windows. The tenant better have renter's insurance to cover their loss because you are not responsible.