Rental Homeowner Insurance

[Kyle Johnson]

I just want to confirm something.

I have a rental property (SFH) that has hardwood floors throughout. I was told that insurance could cover the cost of any damage or replacement if needed? Is this correct? Is it the rental homeowner insurance or some other insurance?

Thanks!

[Adah N.]

@Kyle Johnson

Most homeowners and landlord policy will cover if floors are damaged due to a sudden covered incident.

For example a pipe bursts and causes damage to your hardwood floors, fixing or replacing floors would be covered by most policies.

Your tenant scratches it or pours paint on it will likely not be covered.