Will insurance cover tenant damages?

[Nathan Williams]

As I begin my real estate investing journey I am constantly looking for ways to mitigate risks associated with buying rental properties.

One thought that crossed my mind was, "Does insurance cover the costs of repairing a house after a tenant has destroyed it?". I'm sure the answer varies on state, city, zipcode, neighborhood, but I'm just wondering if anyone has a story of when a tenant destroyed their property and their insurance company paid some part of the bill to fix it.

I'm about to deliver a presentation to my beautiful Fiance' (my most valuable business partner) and I'd like to include this as a possibility for us to mitigate risks associated with placing a bad tenant (I hear that happens once in a while).

Any other mitigation techniques you use to protect yourself from the risk of destructive tenants?

Thanks,

Nate